IQrate: Simplifying Your Home Loan Journey

About Us

IQrate is Singapore’s first mortgage fintech platform, dedicated to improving the home loan experience through smart technology

We are a team of home loan specialists who recognise the problem, and are committed to transform challenges faced by users in the mortgage space, and turn it into an opportunity.

We all face issues of varying degrees when we purchase our own homes: the home loan application process is often tedious, confusing, and requires several hours of research.

We thought: If only this could all be automated.

Buying a property is one of the biggest investments in anyone’s life. With purchasing a property, we would have to consider a home loan.

We set out wanting to empower users to be at the heart of the home financing journey. To help homeowners take control of the home loan process, save time and effort, with an all-in-one mortgage app at their fingertips.

With IQrate, users can do so much more:

  • Save and get the best interest rates for in real-time
  • Customise requirements though the app
  • Calculate Total Debt Servicing Ratio (TDSR) and find out ways to increase loan eligibility
  • Simplify the process of comparing rates and packages across banks
  • Use iApply to apply a home loan easily through a step-by-step process through the app
  • Earn cash rewards on top of bank rebates upon successful acceptance of the loan
  • Track when home loan(s) is due for refinancing;
  • 24/7 resource via the app
  • Appoint IQrate team via iRefer to handle the application, at any point in time.


This is how and why IQrate was built. The foundation of making home loans in Singapore an enjoyable and simplified process. Whether you’re a first-time home buyer or a seasoned property owner looking to refinance, IQrate offers a wide range of home loan rates to suit your needs.

What IQrate Does

We simplify your mortgage journey

We believe that purchasing your own home is a joyous occasion. And that you shouldn’t be frowning and fumbling over tons of research and paperwork.

This milestone of your life should be as enjoyable as possible, so IQrate does the legwork, and takes the guesswork out so you can focus on the things that truly matter.

Our proprietary app curates a list of home loan packaging and interest rates offered by major banks in Singapore. All you have to do is to choose a package that fits your financial needs.

With an easy-to-view gallery filtered based on your budget and loan repayment term, you can easily apply for a bank home loan of your choice.

Whether you’re looking to refinance your current mortgage or secure financing for a new home, we’ve got you covered.

IQrate’s comprehensive resources, together with our helpful tools and calculators, can provide you with the information and support you need to make the best decision for your financial situation.

Download our app here

© IQrate 2024

© IQrate 2024