Highland Condominium Home Loan and Financing Guide

Securing the right home loan for Highland Condominium units in District 19 requires understanding Singapore's financing rules, from ABSD to CPF usage and monthly repayments. This guide provides actionable steps tailored for buyers of this freehold condo at 91-105B Highland Road, helping you calculate affordability securely via Homejourney's verified tools.[1][4]

Homejourney prioritizes your safety with transparent financing insights, linking back to our comprehensive Highland Condominium project analysis for full market context.

Highland Condominium Overview for Buyers

Highland Condominium is a boutique freehold development built in 1993 by LKN Development Pte Ltd, featuring just 24 exclusive units across 91-105B Highland Road in Serangoon Gardens, District 19.[3][4][6] Buyers appreciate its low-density living, spacious layouts, and prime location near Kovan MRT (6-minute walk).[1][2]

This Singapore condo for sale in the Hougang-Serangoon area offers strong value for first-timers, upgraders, and investors eyeing D19 properties. Current listings show units typically ranging from 2-bedroom to larger family configurations, with Homejourney verifying all details for trust.[4]

Ready to explore? View all Highland Condominium for sale units on Homejourney today.

Available Units and Price Expectations (2026)

In 2026, Highland Road units for sale emphasize exclusivity, with popular 3-4 bedroom layouts drawing families. Expect price ranges of S$2.2M - S$3.8M (S$1,800 - S$2,400 psf), based on recent URA trends for similar D19 freeholds—always verify current transactions via Homejourney.[4]

Most sought-after: 3-bedroom units (around 1,500-2,000 sq ft) for their balance of space and location perks. Limited inventory means quick sales; check available units now.

2BR: S$1.8M-S$2.2M (ideal for young couples)
3BR: S$2.5M-S$3.2M (family favorite)
4BR+: S$3.2M+ (investor appeal)

Disclaimer: Prices fluctuate; use Homejourney's project page for real-time data from official sources.

Why Finance Highland Condominium Now?

Highland's freehold tenure ensures long-term value, with low maintenance fees suiting budget-conscious buyers. Lifestyle perks include quiet Serangoon Gardens vibes, yet proximity to amenities makes it investment-grade. Pair with smart financing for optimal returns.

Read our Highland Condo Price Trends 2026: D19 Market Analysis for deeper insights.

Location Advantages Boosting Value

Just 6 minutes' walk to Kovan MRT (NE13), Highland offers seamless access to Serangoon and Orchard.[1][5] Nearby schools like Rosyth School (primary, 10-min drive) and Zhonghua Secondary appeal to families. Amenities: Heartland Mall (8 mins walk), Punggol Park for recreation.

D19's growth, including nearby HDB upgrades, enhances tenant demand—perfect for financed buys.

Highland Condominium Home Loan and Financing Guide

Financing a Highland Condominium home loan starts with Singapore's Total Debt Servicing Ratio (TDSR) at 55% and Loan-to-Value (LTV) limits. First-time buyers enjoy 90% LTV up to S$1.5M tenure, dropping for higher loans. Use CPF Ordinary Account (OA) for down payments (20-25% minimum).

Estimated Monthly Payments (2026 Rates)

Assuming 3.5-4% interest (check Homejourney bank rates):

S$2.5M unit (90% loan): Down payment S$500K (CPF/eligible), monthly ~S$10,500 (25-yr tenure)
S$3M unit: Down payment S$750K, monthly ~S$12,600
Investor (60% LTV): Higher cash outlay, but rental offsets

Action step: Use Homejourney's mortgage calculator for personalized quotes from verified banks.

ABSD Breakdown

- Singaporean first-timer: 0%
- Second property: 17%
- Foreign buyer: 60% (on value above S$1.8M)

Plan ahead: For a S$2.8M unit, second-timer ABSD ~S$476K. Homejourney verifies eligibility transparently.

Step-by-Step Buying Process

Search & Shortlist: Browse Highland units for sale on Homejourney.
Financing Pre-approval: Calculate via bank rates page.
View & Offer: Contact an agent for safe viewings.
OTP & Exercise: Pay 1% option fee; secure loan within 2 weeks.
S&P Signing: 25% down, balance on completion (8-12 weeks).

Need unit details? See Highland Condominium Unit Types & Size Guide.

Investment Potential with Financing

Rental yields: 3-4% (S$6K-S$10K/month for 3BR), driven by expat demand near Kovan.[8] Capital growth: 5-7% annually in D19, per URA data. Finance strategically—leverage low rates for positive cash flow post-rental.

Future upside: Nearby Punggol Digital District boosts demand.

FAQ: Highland Condominium Financing

Q: What's the minimum down payment for Highland units?
A: 25% for bank loans (e.g., S$625K on S$2.5M), with up to 75% CPF usage for citizens/PRs.

Q: Can foreigners buy Highland Condominium?
A: Yes, but with 60% ABSD—budget extra S$1M+ for premium units. Use Homejourney for verified advice.

Q: How does Highland's PSF compare in D19?
A: Competitive at S$1,900-2,300 psf vs. nearby freeholds. Track via project analysis.

Q: Best loan tenure for investors?
A: 25-30 years to minimize payments; offset with rentals. Check rates.

Q: Post-purchase maintenance tips?
A: Budget for aircon servicing—explore Homejourney aircon services.

Take the next step securely with Homejourney. Browse Highland Condominium for sale, calculate loans, or schedule a viewing. Trust Homejourney for verified D19 properties and financing guidance.