Home Purchase Mortgages
Whether you're buying your first home or your fifth, we'll help you find the right home loan. We compare options from banks and lenders to help you get a competitive rate and terms for your situation.
Benefits
Why choose this option?
Our Process
How it works
Initial Consultation
We discuss your goals, budget, and timeline. We'll assess your income, credit, and available funds to understand your situation.
In-Principle Approval
We submit your information to banks and lenders to secure an In-Principle Approval, giving you a clear budget for house hunting.
Rate Comparison
Once you find a property, we compare your application across banks and lenders to find the best rate and terms for your purchase.
Application & Documentation
We coordinate the collection of all required documents and submit your full application to the chosen bank or lender.
Approval & Disbursement
We help clear any conditions and guide you through to loan disbursement and key collection.
FAQ
Common Questions
How much down payment do I need?
For a private property with a bank loan, you'll generally need at least 25% down (a minimum of 5% in cash, with the rest in CPF or cash) for your first home. HDB flats financed with an HDB loan require a smaller down payment. The exact figure depends on your existing loans and how many properties you own.
What documents do I need to apply?
Typically, you'll need your NRIC (or passport for foreigners), recent payslips, CPF contribution history, your latest Notice of Assessment, and a few months of bank statements. Self-employed applicants may need additional income documents.
How long does the home loan process take?
From application to disbursement, the process typically takes a few weeks once you have secured the property. An In-Principle Approval can often be arranged within 24-48 hours.
Should I choose a fixed or floating rate?
It depends on your risk tolerance and financial situation. Fixed rates offer repayment stability during the lock-in period, while floating rates (usually pegged to SORA) may offer savings when interest rates are declining. We'll help you understand the pros and cons of each.
Ready to get started?
Our team is here to help you every step of the way. Apply online or contact us for a free consultation.