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, available through Homejourney's secure comparison platform.
Homejourney prioritizes your safety by verifying all bank offers and enabling one-click multi-bank applications via Singpass, saving you time and ensuring transparency in a trusted environment.
Why January 2026 is Ideal for Home Loan Applications
Home loan rates have hit 3-year lows in early 2026, with fixed rates dropping to 1.35%-1.75% p.a. for the first two years across major banks like DBS, OCBC, UOB, and Maybank[1][2][4].
Floating rates pegged to SORA are even lower at 1M SORA + 0.25% (around 1.36%), making now perfect for HDB upgraders or condo buyers[1][2].
Applying via Homejourney's bank rates page lets you compare these best mortgage rates January 2026 side-by-side without visiting multiple banks, all while our platform verifies offers for your peace of mind.
Top Home Loan Rates Comparison: January 2026
Here's a snapshot of the lowest mortgage rate Singapore options for different property types, based on current promotions[1][2]. Homejourney aggregates these from partner banks including DBS, OCBC, UOB, HSBC, Standard Chartered, Maybank, CIMB, RHB, Public Bank, Hong Leong, and Citibank.
| Property Type | Bank/Promo | Year 1 Rate | Year 2 Rate | Min Loan |
|---|---|---|---|---|
| Resale Condo/Landed | Promo (via Homejourney) | 1.35% Fixed | 1.35% Fixed | $500k |
| Resale Condo/Landed | Maybank 2Yr Fixed | 1.65% | 1.65% | $400k |
| New Condo/HDB | Promo 1M SORA | +0.25% | +0.25% | $500k |
| Refinance (Private) | Promo 3M SORA | +0.40% | +0.40% | $1M |
| HDB Refinance | Maybank 3M SORA | +0.40% | +0.40% | $500k |
Cash rebates up to $2,800 apply for loans over $1M, with 2-3 year lock-ins common[1][2].
Compare home loan rates comparison 2026 instantly on Homejourney's mortgage calculator to see personalized rates based on your income and CPF.
Understanding SORA and Rate Trends
SORA (Singapore Overnight Rate Average) is the key benchmark for floating home loans in Singapore, published daily by ABS and used by MAS-regulated banks[4].
Most bank rate comparison January 2026 packages reference 1M or 3M SORA plus a margin.
The chart below shows recent interest rate trends in Singapore:
Rates have stabilized at lows, with fixed packages from 1.35%-1.75% offering stability amid volatility[1][4]. Track live SORA on Homejourney for timing your lock-in.
Benefits of Applying via Homejourney: Safety and Efficiency
Homejourney stands out by creating a safe and trusted environment for property financing, with verified bank partnerships and Singpass integration for secure applications.
Key Benefits:
- Multi-Bank Submission: One application reaches DBS, OCBC, UOB, HSBC, and 8+ others – no need to apply bank-by-bank.
- Singpass Auto-Fill: Income, CPF, and employment data populates instantly, speeding approvals by days.
- Real-Time Comparison: View best home loan rates Singapore January 2026 comparison side-by-side, including rebates and terms.
- Status Tracking: Monitor offers in one dashboard, with alerts for the lowest rates.
- Expert Brokers: Connect with Homejourney Mortgage Brokers for personalized advice, free of charge.
Users report 30% faster approvals via our platform, thanks to pre-verified data[Internal data]. Unlike HDB's fixed 2.6% rate (no lock-in but stricter eligibility), bank loans via Homejourney offer flexibility for all buyers[1][3].
Step-by-Step: How to Get the Best Rate via Homejourney
Follow these actionable steps for lowest mortgage rate Singapore in January 2026:
- Check Eligibility: Use Homejourney's calculator – input income, debts, and age to compute TDSR (max 55% of gross income) and borrowing power[3].
- Compare Rates: Visit bank-rates for live home loan rates comparison 2026 from all partners.
- Prepare Documents: Singpass-ready: NRIC, payslips (last 3), CPF statements, tax assessments. For HDB: HFE letter from HDB portal.
- Apply via Singpass: Submit once – get offers from multiple banks within 1-3 days.
- Select & Lock: Choose the best (e.g., 1.35% fixed), sign digitally. Expect full approval in 7-21 days.
Pro Tip: Apply mid-week for faster bank responses; time before SORA hikes. Avoid pitfalls like unverified agents – Homejourney verifies everything for your safety.
Link to our pillar: For full details, see Best Home Loan Rates Singapore Jan 2026: Bank Comparison Guide | Homejourney ">Best Home Loan Rates Singapore Jan 2026: Bank Comparison Guide.
HDB vs Bank Loans: Quick Decision Framework
| Factor | HDB Loan | Bank Loan via Homejourney |
|---|---|---|
| Rate | 2.6% Fixed | 1.35%-1.75% (better now) |
| LTV | Up to 75% | Up to 75% (first property) |
| Downpayment | 25% CPF OK | 25% (5% cash min) |
| Lock-in | None | 2-3 years (flexible) |
| Best For | Low-income, first-timers | All, esp. refinancers |
Bank loans beat HDB rates currently, but check eligibility (Singaporean/PR, income limits for HDB)[1][3].
FAQ: Best Home Loan Rates Singapore January 2026
What are the best mortgage rates in January 2026?
Lowest fixed at 1.35% (2yr), floating 1M SORA +0.25%. Compare on Homejourney[1][2].
How does Homejourney make applying safer?
Singpass secures data, multi-bank verification prevents mis-selling, and real-time tracking builds trust.
Can I refinance my HDB loan?
Yes, to banks at lower rates like 3M SORA +0.40%, but no HDB revert. Use our calculator[1].
What's the processing time?
Offers in 1-3 days, full approval 7-21 days via Homejourney's streamlined process.
Are rebates real?
Yes, up to $2,800 for $1M+ loans from partners like DBS/OCBC[2].
Disclaimer: Rates fluctuate; Homejourney provides guidance, not financial advice. Consult professionals. Data as of Feb 2026[1][4].
Ready for the best home loan rates Singapore January 2026 comparison? Start securely at Homejourney bank-rates, then search properties at property search. Improve chances with our guide: Improve Home Loan Approval Chances: Homejourney's 2026 Guide ">Improve Home Loan Approval Chances 2026.
