Best Bank Loans for Property Investors in Singapore | Homejourney
The best bank loans for property investors in Singapore right now offer fixed rates from 1.30% p.a. and floating rates pegged to 3M SORA + 0% (effective ~1.15% as of Jan 2026), with DBS, OCBC, and UOB leading for competitive packages and investor-friendly terms.[1][3]
At Homejourney, we prioritize your safety and trust by verifying real-time rates from all major banks, helping you secure property investment financing without the hassle. This cluster article dives into top options for investment property loans, buy to let mortgages, and rental property financing, linking back to our comprehensive Property Investment Financing Complete Guide.
Why Bank Loans Beat HDB for Investors in 2026
Singapore's home loan rates have hit 3-year lows, with fixed packages at 1.4-1.8% p.a. compared to HDB's 2.6% concessionary rate.[1] For property investors eyeing investor mortgages, bank loans offer lower costs, flexible LTV up to 55-60% (subject to ABSD and TDSR), and perks like cash rebates.
Investors switching from HDB saw savings up to S$4,100 annually on S$500k loans at OCBC.[1] However, note ABSD rules: additional 17% for second properties for Singaporeans.LTV & ABSD for Investment Properties: Singapore Guide | Homejourney Homejourney's bank rates page lets you compare instantly while factoring in LTV limits.
Top Banks for Property Investors: Key Comparisons
We've analyzed Homejourney partner banks based on 2026 rates, investor features, and ease of use. Focus on SORA-pegged floating rates for volatility and fixed for stability in buy to let mortgages.
| Bank | Best Rate (Jan 2026) | Lock-in | Investor Perk | Min Loan |
|---|---|---|---|---|
| DBS | 1.55% fixed (3Y); 3M SORA +0% | 2-3Y | Cash rebate S$2,500+ on >S$1M; no early repayment penalty on sale[1][3] | S$500k |
| OCBC | 1.30% fixed (2Y); SORA floating | 2Y | 7x HDB switchers in 2025; overseas property up to 60% LTV[1][2] | S$400k |
| UOB | 1.48% (HSBC ref); SORA competitive | 2-5Y | Intl property up to 70% LTV in AUS; flexible for investors[8] | S$500k |
| HSBC | 1.48% p.a. preferential | 2Y | Up to S$3,500 cash on refinance >S$1M; referral bonuses[4] | S$200k |
| Standard Chartered | SORA +0.5% est. | 2Y | Strong for high-net-worth investors | S$500k |
Rates effective Jan 2026; conditions apply (e.g., relationship balance).[1][3][4] For full list including Maybank, CIMB, RHB, Public Bank, Hong Leong, Citibank, visit Homejourney bank-rates.
Understanding SORA and Rate Trends for Investors
SORA (Singapore Overnight Rate Average) is the key benchmark for rental property financing, down to 1.2% from 3% early 2025.[1] Floating rates like 3M SORA +0% suit investors with steady rental income from properties in areas like Johor Bahru-linked investments or KL.
The chart below shows recent interest rate trends in Singapore:
As seen, SORA stabilized post-Fed cuts, with modest 2026 easing expected.[1] Fixed rates halved to 1.4-1.8%, ideal for cash flow predictability in investment property loans.[1]
Pros, Cons, and Who Each Bank Suits
- DBS: Pros: Market leader, competitive fixed 1.55%[3], 13x HDB switch uptake.[1] Cons: Higher min loan. Best for HDB upgraders to private investment properties.
- OCBC: Pros: Overseas loans (55-60% LTV Malaysia/AUS/UK/JP/US)[2], low fixed 1.30%.[3] Cons: PTE min S$400k. Ideal for regional property investors.
- UOB/HSBC: Pros: Intl focus (70% LTV AUS)[8], cash incentives up to S$3,500[4]. Cons: Balance requirements. Great for high-value portfolios.
- Others (Maybank/CIMB etc.): Competitive for niche investors; compare on Homejourney for real-time spreads.
Disclaimer: Rates fluctuate; not financial advice. Consult professionals. Homejourney verifies data for trust.
Actionable Steps: Secure Your Investor Mortgage
- Check Eligibility: Use Homejourney's mortgage calculator factoring TDSR (60% debt cap) and ABSD.
- Compare Rates: See all banks at bank-rates; track live SORA.
- Apply Smartly: Submit one app via Singpass on Homejourney – get offers from DBS, OCBC, UOB simultaneously. Auto-fill reduces paperwork.
- Refinance if Locking: Switch post-lock-in; save S$500/month like Ms. Chan's DBS reprice.[1]
- Match to Portfolio: For multiple properties, review LTV/ABSD via Financing Multiple Investments guide.
Link budget to properties on Homejourney property search. Post-purchase, maintain with aircon services.
Homejourney: Your Trusted Partner for Investor Financing
Homejourney builds trust through transparency – real-time rates, multi-bank apps, and verified data. Let banks compete for you; receive best best bank loans for property investors offers. Unlike others, we prioritize safety with Singpass integration for faster, secure approvals.
Calculate cash flow vs yields in our Rental Yield guide.
FAQ: Best Bank Loans for Property Investors
What are the lowest rates for investment property loans in 2026?
Fixed from 1.30% (OCBC/DBS 2-3Y); floating 3M SORA +0% (~1.15%). Min S$400-500k.[1][3]
Can investors get overseas property financing from SG banks?
Yes, OCBC/UOB offer up to 60-70% LTV for AUS/UK/MY/JP/US (min S$200-300k).[2][8]
Should investors choose fixed or floating for buy-to-let?
Floating (SORA) for low rates now; fixed for rental stability. Weigh via Homejourney calculator.[1]
How to apply to multiple banks safely?
Use Homejourney's one-click Singpass app at bank-rates – secure, no endless forms.
What's the impact of ABSD on investor mortgages?
17% extra on second homes; max LTV 55%. Full details in our LTV & ABSD guide.
Ready for the best property investment financing? Start comparing on Homejourney bank-rates today. For full strategies, read our Property Investment Financing Pillar Guide.
