Best Private Home Loan Promotions (Purchase / Refinancing):

Residential - Private Sibor-Pegged FD-Pegged / Board Rates Fixed Rates 1st yr >1.25%

>1.15% >1.30% 2nd yr >1.25% >1.15% >1.30% 3rd yr - - - Property Type Completed / Under-Construction (BUC) Completed / Under-Construction (BUC) Completed Only Lock in period 0 - 3 years 0 - 3 years 2 - 3 years Prepayment allowed Yes / No Yes / No No Legal Subsidy Yes, for refinancing Yes, for refinancing Yes, for refinancing Interest Offset Yes / No Yes No

*Based on prevailing Sibor rates, minimum loan amount may apply. Contact us for full list of home loan offers & details.

Best HDB Home Loan Promotions (Purchase / Refinancing):

Residential - HDB Sibor-Pegged FD-Pegged / Board Rates Fixed Rates 1st yr >1.30% >1.45% >1.40% 2nd yr >1.30% >1.55% >1.40% 3rd yr - - - Property Type Completed / Under-Construction (BTO) Completed / Under-Construction (BTO) Completed Only Lock in period 0 - 3 years

0 - 3 years 2 - 3 years Prepayment allowed Yes / No Yes / No Yes / No Legal Subsidy Yes, for refinancing Yes, for refinancing Yes, for refinancing Interest Offset Yes No No

*Based on prevailing Sibor rates, minimum loan amount may apply. Contact us for full list of home loan offers & details.

Types of Home Loan Packages:

+ Fixed Rates (1-5 years)

+ Fixed Deposit Pegged

+ Sibor Pegged

+ SOR Pegged

+ Variable Board Rates

+ Sibor / SOR Pegged throughout

+ Hybrid Combination of Sibor and SOR Pegged

+ Hybrid Combination of Fixed and Variable Rates

+ Deposit Matching Interest Offset

+ Constant Principal Repayments

+ Free Conversion

+ Legal subsidy (For Refinancing Only)

Features of residential home loans include but are not limited to lock in period, prepayment penalties, legal subsidy, valuation subsidy, quantum of financing, loan tenure and bank valuation. Other lending characteristics may also vary between different banks and lenders.

Property Types (Completed/BUC/BTO):

+ HDB flats (3 Rm / 4 Rm / 5 Rm / 3Gen / Executive / DBSS)

+ Executive Condominiums

+ Condominiums

+ Apartments

+ Walk Up Apartments

+ HDB Shop Houses

+ Conservation Houses

+ Landed Properties (Town Houses / Cluster / Terrace / Semi-Detached / Bunglows)

Applicable for:

+ Individual Names (Max 75% Loan-To-Value)

+ Investment Holding Companies (Max 20% Loan-To-Value)

+ Operating companies (Max 20% Loan-To-Value)

Our Brokerage Services:

> New Purchase (Completed / Under-Construction)



Compare and select best mortgages from over 18 banks and finance houses for the finest and widest range of home loan options.



> Refinancing / Remortgaging

Refinancing your residential home loan after your lock in period may provide you with thousands of dollars in savings. Legal and valuation subsidy plans available.

> Property Cash Out Loan / Equity Term Loan (*Not applicable for HDB flats)

If your residential property has appreciated in value over the years, an additional cash out property term loan will allow you to cash out the excess equity of your property.



> Fractional Part Purchase Mortgages

Due to a change in situation and needs, a couple or borrowers may need to decouple their housing loans. Example. A couple undergoing a divorce matter. Borrower A will purchase over borrower B part share of the house. Other scenarios or situations may apply for part purchase mortgages.

> TDSR Exemptions

Having your home loan application rejected with your existing lender when you tried to reprice your mortgage with them due to TDSR (Total Debt Servicing Ratio)? As different banks have different TDSR exemption policies in excess of MAS guidelines, we can help you find the right banks to refinance your mortgage and enjoy lower interest repayments.

> Debt Consolidation and Restructuring (Not applicable for HDB flats)



We work with alternative non-bank private financial lenders to provide bespoke customised secured lending solutions to help borrowers raise capital, consolidate and restructure their debt.

> Indicative Property Valuation Check

If you have would like to conduct an indicative valuation check, kindly text us details of the property like the address, build in area and asking price. Further information like land area, age, types of property, types of tenure, number of storey are required for indicative for landed properties.

> Application In-Principal Review

Assessing your eligibility and max borrowing limits can help you to plan your finances and budget more effectively in advance.

Application Process - Step by Step Guide:

> Step 1

Contact us via phone/sms/web contact form.

Fact finding/Phone discussion.

Email rates/proposal for consideration.

> Step 2

Appointment/Discussion.

Application submission.

Lender's credit underwriting & approval.

> Step 3

Approval & issuance of lender's offer letter.

Acceptance of offer letter.

Completion/Settlement.

Contact us for a discussion today!