Home About Services Listings New Launches Districts Buyers Guide Sellers Guide InsightsFAQ Track Record Testimonials Contact Book a call

All tools

Singapore Mortgage Rates, Live 2026

Quick answer: This page lists current fixed and floating mortgage packages from major Singapore banks, refreshed daily, alongside the latest SORA 3M benchmark, so you can compare standard walk in rates for a typical private property loan in one view.

Current fixed + floating packages from the major SG banks. Updated daily at 06:00 SGT via scrape. Not a promo aggregator, these reflect standard walk-in rates for typical private-property loans with ~S$500k+ quantum.

Loading...

Loading rates...

How to read this

Book a rate consultation Read the fixed vs floating article

Frequently asked questions

How often are these Singapore mortgage rates updated?

The table refreshes daily, with a scrape running around 06:00 Singapore time. Each load shows the last updated timestamp and the current SORA 3M reading. Rates still move between updates and bank desks can quote differently by quantum and profile, so always confirm the live figure with the bank before you commit.

What is the difference between a fixed and a floating package?

A fixed package locks your rate for a set period, often two years, then reverts to a floating rate, usually SORA plus a spread. A floating package moves with its benchmark from day one. Fixed buys payment certainty during the lock in, while floating can be cheaper when rates ease but exposes you to increases.

What does SORA 3M mean on this page?

SORA is the Singapore Overnight Rate Average, the benchmark that replaced SIBOR for home loans. SORA 3M is the compounded three month average that most floating packages price off, shown as benchmark plus a bank spread. When SORA 3M moves, floating instalments follow at the next reset, so it is the number to watch for floating loans.

Why do these rates differ from the promo rates on aggregator sites?

Aggregator headline rates often apply to new launches, specific quantum bands or limited promotions. This table reflects standard walk in packages for a typical private property loan of roughly 500,000 dollars or more. Treat any quoted rate as indicative and verify the exact package and conditions directly with the bank before deciding.

How do I choose the right package for my situation?

It depends on your cashflow, how long you plan to hold, your view on the rate cycle and your appetite for payment swings. The lowest headline rate is not always the best fit once lock in terms and reversion spreads are weighed. Winfred Quek can map the package to your profile in a rate consultation.