2026 New Year Financial Goals: Setting Up Your Mortgage for Success with Bank Rate Comparison
Start your 2026 New Year financial goals by comparing Singapore bank mortgage rates now—lowest fixed rates from 1.30-1.55% p.a. across DBS, OCBC, and others for HDB and condos. Homejourney makes it safe and simple to compare real-time rates from all major banks like DBS, OCBC, UOB, HSBC, and more in one trusted platform, helping you lock in the best deal for your new year mortgage goals 2026.[1][2]
This cluster article on 2026 New Year Financial Goals Setting Up Your Mortgage for Success: Bank Rate Comparison Guide provides actionable steps to compare rates, choose the right loan, and build a financial resolution mortgage strategy. It links back to our pillar guide on comprehensive Singapore home financing for deeper insights. At Homejourney, user safety comes first—we verify rates daily and prioritize transparency so you decide confidently.[2]
Why Bank Rate Comparison is Your Top 2026 New Year Mortgage Goal
Singapore's mortgage rates hit 3-year lows in early 2026, with SORA forecasted at 1-1.39% and fixed rates 1.4-1.8%.[2][7] For a $500,000 HDB loan, switching to a 1.45% rate from Standard Chartered could save $4,100 yearly versus higher options.[1] As rates may rise post-Q2, comparing now aligns with pay off mortgage faster goals.
Homejourney's bank rates page shows live comparisons from DBS (1.55% 2Y fixed), OCBC (1.477% promo), UOB, HSBC, and others—no sign-ups needed. Use our eligibility calculator at https://www.homejourney.sg/bank-rates#calculator to check borrowing power under TDSR rules.[2]
Current 2026 Singapore Bank Mortgage Rates: Fixed vs Floating
Fixed rates offer stability; floating (SORA-based) track market lows. Best rates as of Feb 2026:[1][4]
- HDB New Purchases (Fixed): OCBC 1.477% (2Y), DBS 1.528% (2Y), RHB 1.527% (2Y)
- Condo Resale (Floating): RHB 1.577% (no lock-in), Citi 1.828%
- Refinancing (Fixed): BOC/Maybank 2.30% (1+1Y), DBS/OCBC 2.38% (2Y)
SORA (Singapore Overnight Rate Average) is the MAS benchmark for 90% of floating loans—currently ~1.2%, expected to dip to 1% mid-2026.[2] Track it live on Homejourney.
The chart below shows recent interest rate trends in Singapore:
As seen, SORA fell sharply in late 2025, stabilizing low into 2026—ideal for new year home loan strategy.[2][7]
Top Banks Compared: DBS, OCBC, UOB & More for 2026
Here's a side-by-side for key partners—rates for $500k loans, assuming standard profiles.[1][2]
| Bank | Best Fixed Rate (Period) | Best Floating (Spread) | Lock-in | Best For |
|---|---|---|---|---|
| DBS | 1.55% (2Y) | SORA +0.5% | 2Y | HDB buyers |
| OCBC | 1.477% (2Y) | 3M SORA +0.2% | 2Y | Refinancers |
| UOB | 1.35-1.78% promo | SORA competitive | Flexible | Investors |
| HSBC | 1.5-1.8% | 1M SORA +0.3% | 2Y | Expats |
| Standard Chartered | 1.45% (2Y) | SORA low spread | 2Y | Condo owners |
| Maybank/CIMB/RHB | 1.878%/1.577% | 3M SORA +0.15% | None-2Y | Low deposit |
Pros of DBS: Reliable service, no early repayment fees post-lock-in. OCBC shines for HDB with Eco-Care options. Compare all instantly on https://www.homejourney.sg/bank-rates.[1][2]
Actionable Steps: Set Up Your Mortgage for 2026 Success
- Calculate Eligibility: Use Homejourney's calculator—input income, debts for TDSR-compliant max loan (e.g., $800k for $10k monthly household).[2]
- Compare Rates: Visit bank-rates; filter HDB/condo, fixed/floating.
- Apply Multi-Bank: One Singpass form gets offers from DBS, OCBC, etc.—banks compete for you.
- Time Refinance: Lock fixed pre-Q2 SORA bottom; aim to pay off mortgage faster with extra $500/month payments.[2]
- Search Properties: Match budget via https://www.homejourney.sg/search.
Insider tip: For HDB in mature estates like Toa Payoh, DBS/OCBC promos often beat averages by 0.1-0.2%.[1] Always check MAS rules on total debt under 55% income.
Disclaimer: Rates change; Homejourney verifies but consult advisors. Not financial advice.
Homejourney: Your Safe Partner for New Year Home Loan Strategy
Unlike others, Homejourney verifies data for trust, uses Singpass for secure apps, and listens to feedback for better tools. Connect with our mortgage brokers via bank-rates for personalized guidance. Read more in 2026 New Year Mortgage Goals: Set Up for Success with Homejourney ">2026 New Year Mortgage Goals: Set Up for Success.[2]
FAQ: 2026 New Year Mortgage Goals & Bank Rates
What are the best 2026 mortgage rates in Singapore?
Fixed from 1.30-1.55% (OCBC/DBS 2Y); floating SORA +0-0.5%. Compare on Homejourney.[1][4]
How do I compare DBS vs OCBC for my financial resolution mortgage?
Use Homejourney bank-rates for side-by-side, including promos and fees.[1][2]
Will rates rise in 2026? Best new year home loan strategy?
SORA to 1.39% end-year; lock fixed early Q2. Track via our chart.[2][7]
Can I pay off mortgage faster with these rates?
Yes—extra payments on low-SORA loans save most. Check penalties first.[2]
How to apply safely via Homejourney?
Singpass one-click to multiple banks; we prioritize your security.[2]
Ready for 2026 New Year Financial Goals Setting Up Your Mortgage for Success: Bank Rate Comparison Guide? Start at https://www.homejourney.sg/bank-rates today. Link back to our pillar on Singapore financing for full strategy.
