Bristol Lodge Home Loan and Financing Guide | Homejourney
Securing a home loan for Bristol Lodge, a prime freehold condo on Bristol Road in District 08, starts with understanding current rates around 1.35%-1.48% p.a. and Singapore's LTV rules.
Homejourney verifies all financing data to ensure you make safe, informed decisions on these Bristol Lodge for sale units.
Bristol Lodge Overview: Why Finance Here?
Bristol Lodge at 53 Bristol Road, Singapore 219855, is a boutique freehold condominium built in 1992 with just 7 units, offering 2-bedroom layouts from 958-969 sqft.
Recent sales show prices around S$1,513 psf, making it attractive for D08 properties buyers in Farrer Park and Little India.
As a family-friendly development with swimming pool, BBQ pits, mini-mart, car park, and 24-hour security, it's ideal for first-time buyers or investors.
Link to our main pillar: Bristol Lodge project analysis for full transaction history.
Available Units for Sale at Bristol Lodge
Current listings feature 2-3 bedroom units priced from S$1.45M to S$1.5M at approximately S$1,513 psf.
Most popular are the 958 sqft 3-bedroom configurations, perfect for small families or property investment in Singapore condo for sale market.
Action: View all units for sale at Bristol Lodge on Homejourney's verified listings.
- Unit size: 958-969 sqft
- Bedrooms: 2-3
- Price range: S$1.45M - S$1.53M (2026 estimates)
- Tenure: Freehold
Read more in Bristol Lodge For Sale: District 08 Properties & Units Guide.
Current Home Loan Rates for Bristol Lodge Buyers
In January 2026, top fixed rates start at 1.35% for loans over S$500K (2-year lock-in), with floating options at 1M SORA + 0.25% (around 1.36%).
HSBC offers preferential rates as low as 1.48% p.a. for Premier customers with S$1M+ loans.
These rates apply to buy condo purchases like Bristol Lodge, factoring in freehold premium and D08 location.
Homejourney prioritizes transparency—always check latest via our bank rates page.
Financing Breakdown: Monthly Payments & Down Payments
For a S$1.5M Bristol Lodge unit at 75% LTV:
- Loan amount: S$1.125M (75%)
- Down payment: S$375K (25%), with min 5% cash (S$75K) + CPF/balance
- Monthly repayment (1.4% fixed, 25 years): ~S$5,500
Estimates based on 2026 rates; use Homejourney mortgage calculator for personalized figures.
Freehold status boosts CPF usage up to Ordinary Account limits, enhancing affordability for Singaporeans.
| Unit Price | Loan (75% LTV) | Est. Monthly (1.4%) |
|---|---|---|
| S$1.45M | S$1.087M | S$5,300 |
| S$1.5M | S$1.125M | S$5,500 |
Disclaimer: Rates fluctuate; consult professionals. Homejourney verifies data for trust.
ABSD and Eligibility for Bristol Lodge Buyers
First-time Singaporean buyers: 0% ABSD up to S$1.8M (as of 2026).
Second property: 20% ABSD; foreigners 60%—key for Farrer Park or Little India investors.
Down payment: 25% total (5% cash min). Use CPF OA for balance.
Pro tip: Factor ABSD into budgets early via Homejourney tools.
Location Perks Enhancing Investment Value
Near Farrer Park MRT (NE8, 5-min walk), Little India MRT (DT12/NE7, 8-min), and Novena (NS20).
Amenities: Mustafa Centre, United Square, Farrer Park Swimming Complex, NTUC Fairprice.
Available units benefit from high tenant demand, historical rentals S$2,800-S$3,650.
D08's vibrancy supports strong appreciation.
Step-by-Step Buying Process with Financing
- Search & Shortlist: Use Homejourney property search.
- Financing Check: Calculate via mortgage rates.
- Offer & Option Fee: 1% of price (S$15K for S$1.5M unit).
- Loan Approval: Submit docs (income proof, CPF statements); 21-day cooling-off.
- Completion: Pay stamp duties, lawyer fees; 8-12 weeks total.
Need support? Schedule a viewing with a property agent through Homejourney.
Investment Potential & Rental Yields
Historical sales: High S$1.1M (2017), low S$410K (2005)—strong growth.
Rental yields ~3-4% in D08; high demand from expats near MRTs.
Future upside from nearby developments like City Square Residences.
Check trends: Bristol Lodge Price Trends & Market Analysis.
FAQ: Bristol Lodge Home Loan and Financing Guide
What is the down payment for a S$1.5M Bristol Lodge unit?
25% (S$375K), with 5% cash minimum (S$75K); rest via CPF. First-timers enjoy 0% ABSD.
Best home loan rates for Bristol Lodge in 2026?
Fixed from 1.35% (2Y lock-in) for S$500K+ loans. Use Homejourney's calculator.
Can I use CPF for Bristol Lodge purchase?
Yes, up to OA limits after 5% cash downpayment. Freehold qualifies fully.
ABSD for foreigners buying Bristol Lodge?
60% on value above S$1.5M threshold; seek advice for exemptions.
How to view available Bristol Lodge units?
Browse on Homejourney and book via agents.
Ready for your Bristol Lodge Home Loan and Financing Guide journey? Start with available units on Homejourney—your trusted partner for safe, verified property decisions in Singapore.
