AI Mortgage Agent
Singapore
MAS-aligned calculations
Know your true borrowing power in minutes.
Five professional-grade mortgage tools built on Singapore's TDSR, MSR, and LTV framework — the same math your banker runs, minus the wait.
- Loans advised
- $0M+
- Families helped
- 0+
- Partner banks
- 0
3M SORA2.31%
2Y Fixed from2.35%
3Y Fixed from2.40%
Floating fromSORA + 0.50%
HDB Concessionary2.60%
Stress Test Rate4.00%
3M SORA2.31%
2Y Fixed from2.35%
3Y Fixed from2.40%
Floating fromSORA + 0.50%
HDB Concessionary2.60%
Stress Test Rate4.00%
The toolkit
Five tools. Every mortgage decision.
Professional-grade calculators built on MAS lending rules. Free, instant, and no sign-up required.
How much can I borrow?
TDSR / MSR affordability with IWAA for joint applicants, stamp duties, and pledge/show fund options.
Loading calculator…
Fixed rates have fallen. Your loan should too.
Packages that were signed at 4%+ during the peak can now be refinanced far lower. Run the refinancing tool above to see your exact monthly savings.
Best fixed from
4.60%
Why work with us
A specialist in your corner, not a bank on commission.
MAS-framework precision
TDSR 55%, MSR 30%, IWAA joint-age weighting, stress-test rates — every figure follows the regulations, floor-rounded the way banks compute it.
16 banks, one conversation
We compare fixed and floating packages across every major lender in Singapore and negotiate on your behalf. Our service is free — banks pay us.
From OTP to keys
Timeline planning, stamp duty budgeting, pledge/show fund structuring, and repricing reviews — guidance at every milestone, not just at signing.
Client stories
Real numbers, real families.
We thought our max was $900k. Proper IWAA structuring with my wife's income got us to $1.15M — and the flat we actually wanted.
Daryl & Mei
First condo, Tampines · $1.15M loan
Refinanced our landed property in three weeks. Saving $412 a month and the lock-in timing was handled entirely for us.
The Rahmans
Refinance · saved $412/mo
As a self-employed director, every bank quoted me differently. Here the NOA math was right the first time — no surprises at approval.
Marcus T.
Self-employed · EC purchase
Common questions
Singapore home loans, explained
How much can I borrow for a home loan in Singapore?
Your maximum loan is set by two MAS rules: the Total Debt Servicing Ratio (TDSR) caps all monthly debt repayments at 55% of gross income, and for HDB flats and new ECs the Mortgage Servicing Ratio (MSR) caps the mortgage payment at 30%. Banks also stress-test affordability at a floor rate of 4% p.a. Our max loan calculator applies all of these rules automatically.
What is the Loan-to-Value (LTV) limit in Singapore?
For a first housing loan from a bank, the LTV limit is 75% of the property price or valuation (whichever is lower), with a minimum 5% cash down payment. If the loan tenure extends past age 65 or exceeds 30 years (25 for HDB), the LTV drops to 55%. Second and subsequent property loans have lower limits of 45% and 35% respectively.
How much can I save by refinancing my mortgage in Singapore?
Savings depend on your outstanding loan, remaining tenure, and the gap between your current rate and today's packages. As a rule of thumb, a 0.5% rate reduction on a $500,000 loan over 20 years saves roughly $25,000 in interest. Use our refinancing calculator to compare your current package against prevailing rates.
What is a cash-out equity term loan?
An equity term loan lets private property owners borrow against the paid-up value of their home, up to 75% of valuation minus the outstanding loan and CPF used. HDB flats are not eligible. Rates are typically close to home loan rates, making it one of the cheapest ways to unlock cash from property.
What stamp duties do I pay when buying property in Singapore?
All buyers pay Buyer's Stamp Duty (BSD) on a tiered scale up to 6% for residential property above $3 million. Additional Buyer's Stamp Duty (ABSD) applies on top: 0% for Singapore Citizens' first property, 20% for their second, 5% for PRs' first, and 60% for foreigners. Our affordability calculator includes both automatically.
Your numbers are ready. Let's talk strategy.
Bring your calculator results to a free 15-minute consult. We'll pressure-test the numbers and shortlist the sharpest packages for your situation.
- Independent — we work for you, not the banks
- Save up to $50,000+ over your loan tenure
- Response within 24 hours, no obligation