First home
Understand monthly cashflow, CPF use, grants, and bank-loan readiness before viewing.
Singapore mortgage comparison
Compare home loans with the property context beside you.
Search homes, understand SORA movement, compare bank paths, and move into one guided application when the numbers make sense.
100+ packages
12-16 lenders
SORA context
HDB and private
100+
home loan packages compared
12-16
lender paths in review
0
separate spreadsheets needed
One loan workspace
See the loan decision in the same flow as the home.
Bring the property, move-in timing, monthly comfort, and application handoff into one place before speaking to a bank.
Monthly comfort
$4.2k
Loan paths
3
Rate context
SORA
Next action
Apply
Match the loan path to the move you are making.
Keep the mortgage conversation practical: affordability, lock-ins, fees, refinancing, and application timing focused on the numbers that change your decision.
Upgrade plan
Compare sale timing, bridging needs, ABSD exposure, and realistic loan comfort.
Refinance
Review lock-in dates, repricing options, and SORA movement before accepting a renewal.
Mortgage intelligence
Compare rates after the property facts are visible.
A lower headline rate only matters if the lock-in, cashflow, CPF use, fees, and timing fit the home you are buying.
Loan-to-value
Cash and CPF
Lock-in timing
Refinance window
From shortlist to application without losing the thread.
Search context
Start from a property, budget, or district shortlist.
Loan comparison
See the viable loan paths and the tradeoffs that matter.
Application handoff
Move into a guided application when the numbers are clear.
Mortgage questions, answered plainly.
Can Homejourney compare loans for HDB and private homes?
Yes. The flow supports HDB resale, private condos, landed homes, upgrading, and refinancing paths.
Do I need to know which bank I want first?
No. Start with the property and budget context; Homejourney helps narrow the relevant packages.
What happens after I choose a path?
You can continue into the Homejourney app for the application workflow and consultant handoff.
Start with the home. Bring the loan decision into focus.