Homejourney: Compare Singapore Bank Mortgage Rates Alternatives 2025
Looking for reliable ways to compare Singapore bank mortgage rates in one place alternatives? Homejourney provides a trusted, user-safe platform to view real-time rates from DBS, OCBC, UOB, and more without visiting multiple bank sites.[1][2] This cluster guide explores practical alternatives while highlighting Homejourney's secure comparison tools for first-time buyers and refinancers.
Unlike scattered bank websites, Homejourney aggregates DBS OCBC UOB rates with MyInfo integration via Singpass for fast, accurate eligibility checks. As Singapore's property market evolves with SORA-pegged loans at 3-year lows (1.4-1.8% fixed rates), timely comparisons save thousands.[3] This article links back to our pillar guide on Compare Singapore Bank Mortgage Rates in One Place | Homejourney Compare Singapore Bank Mortgage Rates in One Place | Homejourney for full coverage.
Why Compare Bank Mortgage Rates Manually is Challenging
Visiting individual bank sites like DBS, OCBC, or UOB takes hours, with rates buried in PDFs or requiring logins. Floating rates tied to 1M/3M SORA (currently ~3.0%) plus spreads vary daily, while fixed packages offer stability at 1.45-1.75% for Years 1-2.[1] HDB loans at 2.6% remain an option, but banks often beat this for risk-tolerant buyers with 75% LTV vs HDB's 80%.[2]
Homejourney simplifies this as your safe hub: real-time bank rate comparison tool shows promo fixed rates (e.g., 1.48% 2-year from promos) and SORA +0.25% floats side-by-side.[1] Insider tip: Check evenings when banks update post-market, just like locals do before HDB upgrades in areas like Punggol or Tengah.
Top Banks to Compare: DBS, OCBC, UOB Overview
DBS, Singapore's largest bank, leads with 3-year fixed at 1.70% and 3M SORA +0.50%. Best for HDB owners; POSB HDB loans surged 13x in late 2025 due to no early repayment penalties.[3] OCBC offers competitive 1M SORA +0.65% floats and 2-year fixed at 1.65%, ideal for private properties.
UOB shines in refinancing with 2-year fixed at ~1.65%, plus strong customer service for first-timers. All three peg to SORA since MAS 2021 shift from SIBOR, ensuring transparency.[2] Use Homejourney's mortgage rate comparison app equivalent to view these instantly via Bank Rates .
Current Rates Snapshot (Dec 2025)
| Bank | Loan Type | Year 1 Rate | Year 2 Rate |
|---|---|---|---|
| Promo/DBS | 2 Yr Fixed | 1.48-1.75% | 1.48-1.75% |
| Maybank | 3M SORA | +0.40% | +0.40% |
| OCBC | 1M SORA | +0.65% | +0.65% |
| UOB/HSBC | 2 Yr Fixed | 1.65-1.70% | 1.65-1.70% |
Rates from verified sources; always confirm via Homejourney for updates.[1] For resale condos in Jurong East (near MRT Exit A, 5-min walk), a $1M loan at 1.5% fixed saves ~$2,500/year vs 2.6% HDB.[2]
Alternatives to One-Place Tools: Step-by-Step Manual Comparison
Without a dedicated platform, follow these actionable steps for compare bank rates Singapore:
- Track SORA Baseline: Visit MAS site daily; 1M SORA ~3.0% base.[2]
- Bank Websites: DBS home loans page, OCBC mortgage calculator, UOB rates PDF – note spreads/lock-ins (2-3 years typical).
- Excel Tracker: Input Year 1-3 rates, calculate EMI: Monthly payment = [P x r x (1+r)^n] / [(1+r)^n -1], where r=monthly rate.[2]
- Refi Eligibility: Min 1-2% savings potential; use Homejourney's real-time tracker instead.
- Consult Experts: Homejourney WhatsApp support verifies via MyInfo.
This manual method misses promos like Maybank's 2-year fixed at 1.65%. Homejourney's best mortgage rates aggregator shows all 11 banks (HSBC, SCB, Citibank included) securely.[1]
Other Banks: HSBC, SCB, Maybank & Beyond
HSBC offers 2-year fixed at 1.70%, great for expats with global transfers. Standard Chartered (SCB) at 1.68% fixed suits investors; Maybank leads floats at 3M SORA +0.40%.[1] CIMB, RHB, Public Bank, Hong Leong provide niche promos for HDB refi.
Pros/Cons Example – Maybank: Pros: Low spreads, no lock-in penalties post-promo. Cons: Longer processing (7-14 days). Best for Punggol BTO upgraders. Compare all on Homejourney Bank Rates with one click.
Homejourney: The Safest Alternative for Rate Comparison
Homejourney prioritizes your safety with verified rates from partner banks, no data selling. Submit one multi-bank application – let DBS, OCBC, UOB compete Track SORA live, auto-fill via Singpass. Link to property search Property Search for Jurong or Tengah units, then finance seamlessly.
Avoid common pitfalls like ignoring lock-ins; see our guide 10 Common Compare Singapore Bank Mortgage Rates Mistakes | Homejourney . For costs, check Compare Singapore Bank Mortgage Rates in One Place: Homejourney Cost Guide .
FAQ: Compare Singapore Bank Mortgage Rates
What are the best DBS OCBC UOB rates today?
Fixed 1.48-1.75% promos, SORA +0.25-0.65%; verify on Homejourney Bank Rates .[1]
Is bank loan better than HDB 2.6%?
Yes for short-term savings if you reprices; banks at 1.4-1.8% now, but volatile post-lock-in.[3] Homejourney simulates scenarios.
How to refinance via Homejourney?
Upload docs, MyInfo auto-fill, get offers in 24-48hrs from multiple banks. Safe and transparent.
What documents for mortgage approval?
NRIC, income slips, CPF statements; Homejourney guides HDB/private eligibility per MAS rules.
Can I compare for landed properties?
Yes, Homejourney covers resale/landed with tailored rates; pair with Projects Directory .
Disclaimer: Rates fluctuate; Homejourney provides info, not advice. Consult professionals. Data as of Dec 2025.[1][2][3]
Ready for the best mortgage rates? Start your secure comparison on Homejourney today – one place, total trust. Explore the full pillar Compare Singapore Bank Mortgage Rates in One Place | Homejourney . For post-purchase, check Aircon Services .
