Best Home Loan Rates Singapore Jan 2026: Homejourney Benefits

The best home loan rates Singapore January 2026 start from 1.35% fixed for private properties and 1M SORA + 0.25% floating, with Homejourney offering multi-bank comparison and one-click applications for maximum savings.[1][2]

Applying via Homejourney ensures you access these lowest mortgage rates Singapore securely through Singpass integration, comparing offers from DBS, OCBC, UOB, HSBC, and more in one platform built for user safety and trust.

Why January 2026 Rates Are Falling – Key Trends

Home loan rates have dropped to 3-year lows, with fixed packages now at 1.35%-1.75% for the first two years, compared to 3% earlier in the cycle.[3][5]

SORA, the Singapore Overnight Rate Average benchmark used by most banks, stood at around 1.14% for 1-month compounded as of early February 2026, enabling floating rates as low as 1M SORA + 0.25% (approx. 1.39%).[8]

Bank loans now beat HDB's fixed 2.6% rate (0.1% above CPF OA), prompting more switches – DBS POSB HDB loans saw 13x uptake with 1.55% 3-year fixed.[3][4]

The chart below shows recent interest rate trends in Singapore:

Rates have stabilized low, but experts advise acting before lock-ins end to capture promos while mindful of fees.[3]

Best Home Loan Rates Singapore January 2026 Comparison

For resale condos/landed, top fixed rates include 1.48% 2-year promo, Maybank 1.65%, SCB 1.68%, DBS 1.75%.[1]

Bank	Loan Type	Year 1	Year 2
Promo	2 Yr Fixed	1.48%	1.48%
Maybank	2 Yr Fixed	1.65%	1.65%
DBS	2 Yr Fixed	1.75%	1.75%

For HDB refinancing, promos hit 1.55% 1+1 fixed, Maybank 1.60% 2-year, DBS 1.65%.[1]

Floating options shine at 1M SORA +0.25% promos across new purchases and refis.[1][2]

Disclaimer: Rates are indicative for loans >$500k-$2M with conditions; actual offers vary by profile. Homejourney verifies real-time rates from partners.

Home Loan Rates Comparison 2026: Bank Rate Comparison January 2026

Compare via Homejourney's bank rates page for side-by-side views of DBS (competitive fixed via SGD pool), OCBC, UOB, HSBC, Standard Chartered, Maybank, CIMB, RHB, and more.[2]

Key differences: Fixed offers payment certainty (ideal first-timers), floating tracks SORA for potential savings if rates fall further.[9]

Feature	Bank Loan	HDB Loan
Interest Rate	1.35%-1.75% promo	2.6% fixed
LTV Ratio	75%	80%

Homejourney's tool shows rebates ($2,000-$2,800) and min loan sizes, helping HDB upgraders or investors pick optimally.[1][2]

Link to our pillar: For full 2026 guide, see Homejourney's Best Home Loan Rates Singapore Jan 2026 Bank Comparison .

Benefits of Applying via Homejourney for Best Mortgage Rate January 2026

Homejourney prioritizes your safety with verified partner banks, transparent comparisons, and Singpass auto-fill – no manual data entry risks.

Multi-bank submission: One form sends to DBS, OCBC, UOB, HSBC, etc. – skip branch queues.
Eligibility calculator: Instant borrowing power via mortgage calculator.
Real-time tracking: Monitor SORA, status, and offers in-app.
Trust-first: User feedback drives improvements; connect to our mortgage brokers for personalized advice.

Users save months vs. individual applications, securing lowest mortgage rate Singapore tailored to HDB/private needs.

Step-by-Step: How to Get the Best Rate via Homejourney

Check eligibility: Use Homejourney calculator – input income, CPF for TDSR-compliant max loan.
Compare rates: Visit bank-rates; filter HDB/condo, fixed/floating.
Apply via Singpass: Auto-fills docs; submits to 10+ banks instantly.
Review offers: Side-by-side comparison; pick best (e.g., DBS 1.55% HDB if suits).
Track & close: Real-time updates; legal fees ~$2-3k, processing 1-3 weeks.

Pro tip: Apply end-lock-in; time for Feb promos via Best Home Loan Rates Singapore February 2026: Boost Approval Chances . Docs: NRIC, payslips 3m, CPF statement, property option fee.[3]

Actionable Tips to Secure Lowest Rates

Boost approval: Stable job, low debt; aim <55% TDSR.
Avoid pitfalls: Don't refinance mid-lock-in (penalties 1.5% loan amt).
HDB switchers: Note no HDB loan return; banks offer flexibility.[3]
Pair with property search: Find budgets via Homejourney search.

Post-purchase, maintain with Aircon Services ">aircon services.

FAQ: Best Home Loan Rates Singapore January 2026

What are the lowest rates in Jan 2026?
Fixed from 1.35%-1.48% promos, floating 1M SORA +0.25%; check Homejourney for your quote.[1][2]

Bank vs HDB loan?
Banks cheaper now (1.4% vs 2.6%), but HDB safer for some; compare LTV 75% vs 80%.[3][4]

How does Homejourney help?
One app to multiple banks, Singpass speed, verified rates – safe, fast lowest mortgage.[Homejourney]

Refinancing costs?
Legal $2-3k, valuation $200-500; savings offset if drop >0.3% (e.g., $500/mth).[3]

2026 outlook?
Rates likely steady-low; see Business Times Property for updates.

Secure best home loan rates Singapore January 2026 comparison today via Homejourney bank-rates. Trusted, transparent – start your safe journey now. For more, read our pillar Homejourney's Best Home Loan Rates Singapore Jan 2026 Bank Comparison .