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Simplify Your Mortgage Journey With IQrate

The All-in-One AI-Powered Mortgage Loan & Finance App

Experience home purchasing or refinancing like never before

Best Rates Guaranteed

Access real-time mortgage loan rates

Get instant access to the most competitive and up-to-date mortgage loan rates tailored just for you.

Lowest Mortgage Loan Rates

Updated at: 16/12/2025

Refinance
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New Purchase
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New Purchase(BUC)
0.00%

Stay Notified to Maximize Your Savings

Never miss your refinance opportunity

Get timely notifications for your refinance eligibility to ensure you never miss out on potential savings.

Earn Cash Rewards

Be rewarded for every successful application

Enjoy exclusive mortgage rates with IQrate and earn extra cash rewards for every successful loan application accepted through our platform. Save more and get rewarded!

Designed for everyone, with simplicity and convenience at its core

Real-time mortgage rates

Stay ahead with the most accurate and up-to-date information! Our real-time mortgage loan rates feature ensures that you always get the latest and best interest rates.

iTrack

Stay on top of your mortgage loan with iTrack! This smart feature helps you monitor your refinance eligibility and calculates potential interest savings based on the current lowest interest rates available for you.

iCalculate

Make smarter financial decisions with ease! Our iCalculate feature gives you access to a suite of smart calculators designed to simplify your mortgage loan journey.

Leads generation*

Easily share your lead gen link with clients and receive their submissions directly in your account for quick follow-ups and streamlined management.

Real-time mortgage rates

Stay ahead with the most accurate and up-to-date information! Our real-time mortgage loan rates feature ensures that you always access the latest loan rates as they are updated.

iTrack

Stay on top of your mortgage loan with iTrack! This smart feature helps you monitor your refinance eligibility date and calculates potential interest savings based on the current lowest interest rates available for your property.

iCalculate

Make smarter financial decisions with ease! Our iCalculate feature gives you access to a suite of smart calculators designed to simplify your loan journey.

Leads Generation*

Easily share your lead gen link with clients and receive their submissions directly in your account for quick follow-ups and streamlined management.

For IQrate Mobile App Submission

Apply mortgage loan with ease (3 Steps)

Step 1

Start your application: do it yourself (iApply) or engage IQrate specialists (iRefer)

Step 2

SmartMatch AI finds you the best and lowest mortgage rate offers

Step 3

Submit and complete your application and stay updated for the next refinancing

For Online Submission

Your Dream Home Financing Journey Begins Here

Buying A New Property

Your Path To Homeownership Starts Here

Own your dream home with an exclusive financing package tailored to you.

Benefits

Instant access to In-Principle Approval (IPA) check.
Access exclusive and competitive mortgage loan rates tailored to your needs.
Dedicated and personalized support from IQrate specialist.
Free home content insurance*
100% No obligation and no hidden fees!

Refinancing A Home Loan

Refinance For Better Savings

Reduce your monthly repayments by refinancing your current mortgage loan and enjoy savings.

Benefits

Access exclusive and competitive mortgage loan rates tailored to your needs.
Lower monthly home loan instalments.
Refinance reminder notification
Dedicated and personalized support from IQrate specialist.
Free home content insurance*
100% No obligation and no hidden fees!

Unlocking Funds From Your Property

Access Your Property’s Equity

Unlock equity from your property and withdraw funds for your liquidity needs, without having to sell your home.

Benefits

Latest Articles

Your Guide to Smarter Property Moves

Mortgage Loan

The Smarter Way to Secure the Best Home Loan Offer with IQrate

December 9, 2025

Finding the best home loan offer in Singapore can feel like a full-time job simply because it can be taxing and time-consuming. Many homeowners compare...

Mortgage Loan

Understanding Mortgage Servicing Ratio (MSR) and Total Debt Servicing Ratio (TDSR): The IQrate Way

December 4, 2025

When you apply for a home loan in Singapore, two important terms will come up. These are the Mortgage Servicing Ratio (MSR) and Total Debt...

Mortgage Loan

Why IQrate Is Changing How Singaporeans Compare and Apply for Home Loans

November 20, 2025

“Mortgage brokers exist because people today are busier than ever,” shares the team at IQrate, a next-generation digital mortgage platform in Singapore. “Most homeowners are...

What our users say ⭐⭐⭐⭐⭐

Such a user friendly tool for anyone who wants to get the best deal for mortgages. 10/10 recommend!

IQ Rate provides a wide range of advanced tools and loan options that are sure to impress. The calculators are comprehensive and easy to use. The platform offers competitive special loan packages and referral programs, it's an all-around great choice.

The iQrate app has been a game changer, making mortgage advisory significantly easier for me. The platform is user-friendly, offers a variety of helpful tools, and is always up-to-date. It has streamlined the process of helping my clients refinance and secure new loans. The team is also very helpful whenever I have quries and they always reply very quickly.

Application is very informative and up to date. Articles and videos help users to make a more informed decision.

The iQrate App made my mortgage journey a breeze! It’s user-friendly, and it provided me the best rates tailored to my needs with expert guidance from the team. Smooth, seamless experience. Highly recommended!

the modern way of getting ur mortgage settled and making some money

Love the service. Love the app. You guys simplified mortgage issues and my heartfelt thanks.

Very efficient & swift with processes. Highly recommended.

It is a seamless application process! I have referred a few of my friends to use the IQrate app for their refinancing. It was a great experience and you can engage an advisor if you wish to save time 🙂

Good APP to help find the best home loan interest rate and allow me to save on home loan interest rate. IQrate also help me to save on car insurance renewal.

Am surprise to find the only app that could provide live home loan interest rate in the market as others require to complete a form and wait for a call back. At times, interest rate shown is not updated and is usually higher when I receives the call. Fortunately, i did not experience this with IQrate app as all the requirements are stated clearly and it is accessible 24/7. Navigating the app is so easy with lots of useful information for someone like me with minimal mortgage knowledge. Will definitely share with my friends and family!!!

10/10 would recommend. Extremely fuss free and transparent. No hidden charges at all. At first I was skeptical of their service but turns out they over delivered on their promise. I would surely recommend them to anyone look for fuss free mortgage advisory.

Great experience, good staff support, and user friendly app!

Thanks for the service! Didn’t know I can save so much for my housing loan monthly repayment. Will continue to look for you guys after my lock in period!! 👍

High recommend using iQrate when it comes to financing of home loan. The app is extremely user friendly. It is an unbiased platform that allows users to compare exclusive banks’ rates & helpful broker to provide mortgage advises. I’m also impressed that i’m able to view a comprehensive monthly repayment schedule in just a-few steps!

Who knew mortgage advisory would be this easy and it feels like a breeze! It makes my experience super efficient and special thanks to the IQrate amazing people.

IQrate has truly exceeded my expectations in every way! The platform is incredibly intuitive and user-friendly, making it easy to navigate and utilize all its features. The insights and analytics provided are top-notch and have significantly improved my decision-making process. Customer support is also outstanding; they are always quick to respond and extremely helpful. I highly recommend Iqrate to anyone looking for a reliable and efficient solution. Five stars well deserved!

Used them for the first time and was pleasantly surprised at the results they were able to achieve! Alva provided answers to my queries promptly and correctly and handheld me throughout the whole loan application process and made mortgage loan so EASY!

Awesome app. Able to check for exclusive home loan rates from all the banks in sg and apply direct to the bank.