Specialized Mortgage Broker
Providing the Best Loan Rates consultancy in Singapore
Show me the best loans
Our Featured Products
HSBC Bank
Fixed Rate From
Nil
Loan Tenor
Nil
Sora From
+0.20%
Loan Tenor
3 Years
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Maybank
Fixed Rate From
1.65%
Loan Tenor
2 Years
Sora From
+0.30%
Loan Tenor
2 Years
Find Out More
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UOB Bank
Fixed Rate From
1.50%
Loan Tenor From
2 Years
Sora From
+0.28%
Loan Tenor
2 Years
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DBS Bank
Fixed Rate From
1.65%
Loan Tenor
2 Years
Sora From
TBC
Loan Tenor
2 Years
Find Out More
Above rates are subjected to T&C and indicative, suitable for Refinance or new loans. Rates are higher for small loan amounts. Free Conversion, Capital Partial Prepayment (CPP) and Waiver due to sales (WDTS) options available.
Why choose our Mortgage Advisory?
Consultation
Consult with our legal team and mortage specialist for us to identify your current financial position and preferred loan terms.
Wide pool of Options
Our team works closely with a wide range of banks, understanding current key promotion and provide the best advice for your current situation.
No Fees
Our team do not charge you for any consultation fees. We earn based on commission which do not affect your loan interest.
Fast Approval
Our dedicated team ensures smooth and transparent transaction for your loan needs. The approval time will be much faster than you expect!
The Rate Smart Way of Mortgage Loans
Real-Time Rates, Real-Time Savings.
Stop relying on outdated bank brochures. RateSmart delivers the most current 1M and 3M SORA rates directly to your screen. Our platform instantly calculates the impact of current market shifts on your monthly installments, giving you the precision you need to make a move before the next hike.
Stability or Flexibility? You Decide.
Choosing between 1M and 3M SORA shouldn’t be a guessing game. Whether you value the predictability of a quarterly rate refresh or the immediate benefits of a downward market trend, we provide a side-by-side breakdown of how each package fits your long-term financial goals. We help you find the "sweet spot" between risk and reward.
From First Click to Final Approval.
Mortgage terminology can be complex, but your journey shouldn't be. RateSmart pairs our advanced comparison technology with dedicated mortgage experts who guide you through the "thereafter" rates and step-up spread risks. We don't just find you a loan; we manage the transition, ensuring you're always on the most efficient rate available.
What People Are Saying
Wei Lun T
Was quite lost with all the 1M and 3M SORA talk from different banks. RateSmart made it very simple to see the actual difference in my monthly installments. The team didn't just push the 'lowest' rate but explained the step-up spreads after Year 3. Very transparent and no hard selling. Highly recommend for first-time homeowners!"
Sarah L
"My current lock-in was ending and my bank's 'thereafter' rate was crazy high. Found RateSmart through a friend and managed to switch to a much better 3M SORA package.
The process was way smoother than I expected and they handled the coordination with the lawyers. Managed to save almost $400 a month. Honestly, just go for it."
Nizam B.
"Used a few other comparison sites before but RateSmart's data seems the most updated. I like that the breakdown is clear—no hidden 'surprises' in the fine print.
Their consultant was very responsive on WhatsApp and answered all my questions about the board rates versus SORA. Solid service."
Call Our Mortgage Specialists Now to Obtain
the Lowest Home Loan Rates in Singapore!
the Lowest Home Loan Rates in Singapore!
Call Us
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Frequently Asked Questions for Mortgage Brokers in Singapore
Why should I use Ratesmart instead of going directly to a bank?
While banks only show you their own products, Ratesmart provides an objective, bird’s-eye view of the entire market. We often have access to exclusive preferential rates and "green" loan packages that aren't always advertised to the general public. Plus, our mortgage specialists handle the paperwork and comparison math for you—at no extra cost—saving you hours of bank-hopping.
Is the lowest interest rate always the "best" loan for me?
Not necessarily. A "teaser" low rate might come with a long lock-in period, high legal subsidies you'd have to claw back if you refinance early, or steep penalties for partial capital repayments. We help you look at the Total Cost of Ownership, factoring in subsidies, flexibility, and processing fees to ensure the loan aligns with your 3-to-5-year financial plan.
My current loan is pegged to SIBOR. What happens now that SORA is the standard?
As of 2024, SIBOR has been officially discontinued. If you haven't switched yet, your bank will eventually transition you to a SORA-conversion package. Because SORA is a backward-looking rate based on actual transactions, it tends to be more transparent and less volatile than the old benchmarks. We can help you calculate if you should take the bank's default transition offer or proactively refinance into a more competitive market package.
When is the "sweet spot" to start looking into refinancing?
The best time to start is usually 4 to 6 months before your current lock-in period expires. This gives you enough time to compare rates, get your credit profile in order, and serve the standard 3-month notice period to your current bank. Waiting until the last minute often means falling into "thereafter" rates, which can be significantly higher than market averages.
What are the common "hidden" costs when refinancing my home loan?
While refinancing can save you thousands in interest, you should be aware of the upfront transition costs. These typically include legal fees (ranging from $2,000 to $3,000) and valuation fees (around $200 to $500).
The good news is that many banks offer legal subsidies or cash rebates to offset these expenses if your loan amount meets a certain threshold (usually $500,000 and above). We help you calculate the "break-even" point to ensure your interest savings actually outweigh these initial costs within the first year.
The good news is that many banks offer legal subsidies or cash rebates to offset these expenses if your loan amount meets a certain threshold (usually $500,000 and above). We help you calculate the "break-even" point to ensure your interest savings actually outweigh these initial costs within the first year.
Let me know when interest rates drop!
Contact Us
Whatsapp
(+65) 8847 1238
Email address
Wai@ratesmart.com.sg
Mobile
(+65) 9889 1298
address
77 High Street Plaza #10-12
Singapore 179433
Singapore 179433
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