Best Bank Loans for Property Investors in Singapore
The best bank loans for property investors in Singapore for 2025 come from DBS, UOB, OCBC, and HSBC, offering competitive SORA-based floating rates from 1.35% p.a. (for loans above S$500k) and fixed rates around 2.49% for resale properties, with investor LTV limits at 50-55% for second properties.
Homejourney prioritizes your safety by verifying real-time rates from all major banks, helping you compare LTV investment property options securely without sharing sensitive data unnecessarily. This cluster focuses on tactical advice for investors, linking back to our pillar guide on Singapore Property Financing Essentials for full coverage.
Understanding LTV Limits for Property Investors
Investor LTV limit in Singapore is regulated by MAS: 55% for first investment property (second overall), dropping to 45% for third and beyond, plus ABSD implications. For second property LTV, expect 50-55% max loan to value investment, meaning a S$1.5M condo requires at least 45-50% down payment investor (S$675k-S$750k, min 5% cash).
URA data confirms private resale properties have stricter LTV for investment property Singapore rules than HDB. Use Homejourney's mortgage eligibility calculator to check your borrowing power instantly, factoring TDSR at 55% of income.
Key LTV Rules for Investors
- First-timer investor (second property): Up to 55% LTV, min 25% downpayment (5% cash).
- Subsequent properties: 45% LTV max, higher down payments required.
- Foreign investors: 75% LTV for first loan, but 90% of market value on refinance.
These limits promote prudent investing, as per MAS guidelines. Always cross-check with LTV for Investment Property Singapore: Homejourney Guide for detailed ABSD interactions.
Top Banks: Rates, Features & Investor Perks (Dec 2025)
Compare best bank loans for property investors via Homejourney's bank rates page, tracking live 3M SORA (~3.0%) + spreads from 0.25%.
DBS Bank: Market Leader for Large Loans
DBS offers fixed rates from 1.35% (2-year lock-in, min S$500k) and SORA +0.5% floating. Premium rebates: S$2,500 cash for S$1M+ refinances, up to S$2,800 for S$1.5M+. Ideal for investors in high-value condos like those in Orchard (e.g., S$2M units).
Pros: Competitive fixed rates from SGD pool; sale penalty waivers.
Cons: Stricter for sub-500k loans.
Best for: High-net-worth investors. Apply via Homejourney's multi-bank system with Singpass for one-click submission.
UOB: Private Property Specialist
UOB's Private Home Loan: Min S$450k, up to 35-year tenure (freehold) or 75-age cap. Promotions (to Dec 2025): S$2,500 cash + vouchers for S$1M+ completed properties. Rates: ~1.43% floating (1M SORA +0.25%). Foreigners get 75% LTV new purchase.
Pros: Flexible for under-construction; high rebates.
Cons: Leasehold needs 30-year remaining lease.
Track UOB vs others on Homejourney for real-time second property LTV eligibility.
OCBC, HSBC & Others: Competitive Alternatives
OCBC: Fixed 1.35%+ (min S$400k PTE), FC24 feature. HSBC/Standard Chartered: SORA +0.3-0.5%, strong for expats. Maybank/CIMB: Vouchers up to S$1,200 (to Dec 2025), min S$500k. RHB/Public Bank/Hong Leong: Niche for S$1M+ with 2-3% rebates.
Citibank suits quick refinances. All align with loan to value investment caps; compare full packages on Homejourney bank rates.
| Bank | Min Loan | Best Rate (2025) | Investor Rebate |
|---|---|---|---|
| DBS | S$500k | 1.35% fixed | S$2,800 (S$1.5M+) |
| UOB | S$450k | SORA+0.25% | S$2,500 + vouchers |
| OCBC | S$400k | 1.35% fixed | S$2,000+ |
| CIMB | S$500k | Competitive | S$1,200 vouchers |
Actionable Steps: Secure the Best Investor Loan
- Calculate LTV/downpayment: For S$1.2M second condo, 55% LTV = S$660k loan, S$540k down (5% cash min). Use Homejourney calculator.
- Compare rates: Visit Homejourney bank rates for live SORA + spreads across 11 banks.
- Apply multi-bank: Submit once via Singpass on Homejourney; get competing offers (e.g., DBS rebate + UOB flexibility).
- Check eligibility: Income >S$50k pa, age <65-75. Factor TDSR.
- Refinance smartly: Post-lock-in (2 years), reprice if SORA drops. See Financing Multiple Investment Properties: Singapore LTV Guide | Homejourney .
Disclaimer: Rates fluctuate; Homejourney verifies data but consult advisors. Not financial advice.
Why Homejourney for Investor Loans?
Homejourney builds trust with transparent comparisons, Singpass integration, and real-time tracking—prioritizing your security. Let banks compete: receive top offers from DBS to Citibank. Pair with property search for budget-matched investments, or explore yields via Rental Yield vs Mortgage: Cash Flow Analysis | Homejourney .
FAQ: Best Bank Loans for Property Investors
What is the investor LTV limit for a second property in Singapore?
55% max LTV for second property (first investment), per MAS—e.g., S$825k loan on S$1.5M condo.
Which bank has the lowest rates for investment property loans over S$1M?
DBS and UOB lead at ~1.35-1.43% (fixed/floating), with S$2,500+ rebates. Compare on Homejourney.
What's the minimum down payment for investors?
Down payment investor min 25-55% total, with 5% cash; higher for subsequent properties.
Can foreigners get property investment loans?
Yes, up to 75% LTV first loan via UOB/HSBC; use Homejourney for seamless apps.
How to apply for multiple bank loans safely?
Via Homejourney's multi-bank tool: one Singpass submission, verified offers, zero risk.
Ready to invest confidently? Start comparing on Homejourney bank rates today and link back to our pillar for full financing mastery. Your trusted partner in safe property journeys.
