Best Bank Loans for Property Investors | Homejourney Guide

The best bank loans for property investors in Singapore in 2025 come from DBS, OCBC, and UOB, offering competitive rates starting from 1.30% fixed or 1M SORA + 0.25% (around 1.42%) for loans over S$500k, with LTV up to 75% for first private properties. These rates suit property investment financing needs like condos in prime areas such as Orchard or Sentosa Cove. Homejourney verifies real-time rates from all major banks, ensuring you get transparent, safe options for your investment property loan.[2][1]

This cluster article dives into top banks for investors, building on our Property Investment Financing Complete Guide. As Singapore's trusted platform, Homejourney prioritizes your safety with verified data and multi-bank comparisons at https://www.homejourney.sg/bank-rates.

Why Property Investors Need Specialized Loans

Property investors in Singapore face unique rules like Additional Buyer's Stamp Duty (ABSD) at 17% for third properties and LTV caps dropping to 45% for second homes. Banks like DBS and UOB offer buy to let mortgages with flexible SORA-based floating rates, ideal for rental property financing in high-yield areas like District 10 (average gross yields 3.5-4%).[1][6]

Fixed rates provide stability for cash flow-positive investments, while floating tracks 3M SORA (currently ~2.8% as of Dec 2025). Homejourney's eligibility calculator at https://www.homejourney.sg/bank-rates#calculator helps assess your borrowing power instantly, using Singpass for accuracy.

Top Banks for Property Investors: Key Comparisons

Here's a breakdown of leading banks partnered with Homejourney, focusing on investor-friendly features. Rates are for private properties ≥S$500k; always verify via Homejourney bank rates as they fluctuate.[2]

Bank	Best Rate (Dec 2025)	LTV (1st Private)	Lock-in	Investor Perk
DBS	1.35% fixed (2Y)	75%	2 years	Green loan discounts[4]
OCBC	1M SORA +0.25% (~1.42%)	75%	2 years	Overseas property up to 60% LTV[5]
UOB	1.30% fixed (min S$450k)	75%	2-3 years	Vouchers up to S$1k[3]
HSBC	SORA +0.5%	75%	2 years	Referral cashback S$1k[10]
Standard Chartered	2.49% fixed (min S$700k)	75%	2 years	High loan rebates

Maybank, CIMB, RHB, Public Bank, Hong Leong, and Citibank offer similar packages with rates from 1.4-2.5%, often with S$2k+ cashback for refinancing.[2][8]

Current Interest Rate Trends for Investors

SORA is the key benchmark for investor mortgages, replacing FIXPEG in 2024 per MAS guidelines. Fixed rates suit short-term holds (2-3 years), while floating benefits long-term rental property financing as SORA has stabilized post-2023 hikes.

The chart below shows recent interest rate trends in Singapore:

As seen, 3M SORA hovered at 2.7-2.9% over 6 months, making floating loans attractive for investors eyeing yields above 4% in areas like Toa Payoh or Geylang.[2]

Pros, Cons & Who Each Bank Suits

DBS: Pros: Lowest fixed rates, vast branch network; Cons: Stricter for multiple properties. Best for HDB upgraders to condos.[2][4]
OCBC: Pros: Overseas expansion loans; Cons: Higher min loan for promos. Ideal for diversified portfolios.[5]
UOB: Pros: Flexible LTV for foreigners (75%), vouchers; Cons: Processing 2-4 weeks. Great for expat investors.[3]
HSBC/StanChart: Pros: Competitive for high-net-worth; Cons: Premium spreads. For investors with S$1M+ loans.[10]

Smaller banks like CIMB offer up to S$1,200 vouchers but higher effective rates long-term.[8] Compare all on Homejourney to let banks compete for your business.

Actionable Steps to Secure the Best Loan

Check Eligibility: Use Homejourney's calculator for LTV (75% max first private, per MAS) and TDSR (60% debt cap).[1][6]
Compare Rates: Visit https://www.homejourney.sg/bank-rates for live DBS vs UOB updates.
Apply Multi-Bank: Submit once via Homejourney with Singpass – auto-fills docs, gets offers from 10+ banks.
Documents Needed: NRIC, income slips (3 months), property option fee receipt, CPF statements. Processing: 1-3 weeks.[1]
Refinance Tip: After lock-in, reprice if SORA drops – save S$5k+ yearly on S$1M loan. See our Financing Multiple Investment Properties Guide.

For properties, search budget-matched options at https://www.homejourney.sg/search. Insider tip: Target ECR condos in D19 for 4%+ yields with easy MRT access.

Homejourney: Your Safe Path to Property Investment Financing

Homejourney builds trust with verified rates, Singpass integration, and WhatsApp support – no hidden fees. Unlike others, we prioritize your security, listening to feedback for seamless experiences. Track SORA live and apply to DBS, OCBC, UOB simultaneously.

Disclaimer: Rates as of Dec 2025; consult professionals. Homejourney provides info, not advice. LTV/ABSD per MAS/HDB rules.[1][6]

FAQ: Best Bank Loans for Property Investors

What’s the lowest rate for investment property loans in 2025?
1.30% fixed from UOB/DBS for S$500k+ private properties, or SORA+0.25%. Verify on Homejourney.[2][3]

Can investors get 75% LTV on second properties?
No, drops to 45% per MAS. First private: 75%; use our LTV & ABSD Guide.[1][6]

How to compare DBS vs OCBC for buy to let?
Use Homejourney's tool at https://www.homejourney.sg/bank-rates – real-time, no bias.

What's better: fixed or floating for rental yields?
Floating for long holds if yields > SORA+spread. Analyze cash flow in our Rental Yield Guide.[2]

How long to approve an investor mortgage?
1-3 weeks with complete docs via Homejourney Singpass app.

Ready for the best bank loans for property investors? Start comparing securely on Homejourney bank rates today. Link back to our pillar for full property investment financing strategies.