Find the perfect
mortgage for your home

Your maximum loan is capped by the Total Debt Servicing Ratio (TDSR). This regulation states that your monthly loan repayments, along with your existing loans, cannot exceed 55% of your monthly income.

Find out how much you can borrow with our affordability calculator.

Approval-in-Principle (AIP) is a document from the bank specifying the home loan amount the bank is willing to lend you, and is valid for a period of 14 to 30 days.

You can obtain an AIP for free from any bank by providing your income documents. Ensure that you have AIP before you pay a deposit/option fee on any property.

A fixed rate home loan means your interest rate stays the same from month to month. Most fixed rate packages are valid from 3 to 5 years before reverting to a floating rate.

A floating rate home loan is revised every month or once every three months according to market indexes. Your interest rates and monthly repayments may be higher or lower upon revision.

Note that homeowners whose loans were automatically switched to the SORA Conversion Package on June 1 can still switch to any other package offered by their bank for free until December 31, 2024.

At any given time, different banks might offer comparatively more attractive home loan interest rates and packages. Do note that these packages will change with time as banks reach their loan uptake targets, resulting in a less attractive interest rate offer.

Research and compare between banks to find one that suits you best.