HOME LOANS. REAL DATA & HUMAN ADVICE.

A better home loan.
A clearer way home.

Buying or refinancing? Compare your options
with an IQRate specialist by your side.

Every home has a story.
Where are you in yours?

I’m buying a home

A fresh start, with the right financing.

I’m refinancing

A fresh look at your existing loan.

01 / THE RATE WATCH

Small numbers.
Big possibilities.

Updated 04/11/2026

A clearer view of current home loan rates.

Compare our lowest published packages, then let’s talk about what suits your plans.

Bank	Rate Type	Year 1 Rate	Year 2 Rate	Lock-in Period
CITI HOT 🔥	3M SORA	1.50%	1.50%	2 Years
IQrate Promo 4	1M SORA	1.50%	1.50%	2 Years
IQrate Promo 6	3M SORA	1.50%	1.50%	2 Years
IQrate Promo 2	3M SORA	1.50%	1.50%	2 Years
IQrate Promo 5	3M SORA	1.50%	1.50%	2 Years

02 / PEOPLE, NOT PAPERWORK

A big decision.
A simpler process.

From the first question to the next step,
we’ll help you make sense of your options.

Start with your situation.

Tell us whether you’re buying or refinancing, and what you have in mind.

See the whole picture.

Your specialist compares suitable packages and explains rates, fees, and the important terms.

Take your next step.

Choose in your own time. We’ll guide you through the bank’s next steps when you’re ready.

03 / YOUR NEXT MOVE

Let’s find
your way to
a better home.

A few details. A real conversation.
Tell us about your plans and explore your options with an IQrate mortgage specialist.

✓

Advice that puts you first

Understand your choices, at your pace.

✓

Free for homeowners

IQrate is paid a referral fee by the bank.

Prefer a call?

+65 9157 0157

✳

A good place to start.

Your home loan enquiry

YOUR SELECTED PACKAGE

Selected package

Package details appear here.

No fees. No obligation. Just a clearer next step.

✓

YOUR NEXT CHAPTER STARTS HERE

Your enquiry
is ready to review.

This is a design preview. Your details have not been sent or saved.

You’ll need to enter your details on IQrate’s official form.

04 / GOOD TO KNOW

Less jargon.
More understanding.

A little certainty.
Or room to move.

A fixed rate stays the same for an agreed period. A floating rate can change with its reference rate, such as SORA, and the package terms.

Fixed rate

More predictable repayments during the fixed-rate period.

Floating rate

Repayments may rise or fall when the interest rate changes.

Your specialist can help you weigh predictability, flexibility, and the package terms.

A rate is one thing.
A commitment is another.

A lock-in period is the time during which redeeming your loan or moving it to another bank may trigger a penalty. It can differ from the fixed-rate period.

Buying a home?

Think about whether you may sell, repay early, or change your loan during the lock-in.

Refinancing?

Check your current lock-in end date and any notice period before making a switch.

The letter of offer sets out your actual lock-in, redemption, and repayment terms.

Lower interest.
What about the rest?

When comparing refinancing options, weigh any potential interest savings against the costs and terms of changing your loan.

Costs to check

Legal and valuation fees, early-redemption penalties, and subsidy clawbacks may apply.

Compare fairly

Look at the same outstanding amount and remaining tenure, along with the full package terms.

A lower advertised rate does not always mean a lower overall cost.

05 / THE SHORT ANSWERS

A little more
clarity.

Still have something on your mind?
Let’s talk it through

Certified by

Is IQrate’s mortgage advisory service free?

Yes. Homeowners do not pay IQrate a fee for mortgage advisory services. IQrate receives a referral fee from the bank when a home loan is successfully disbursed. Your specialist can explain any bank, legal, or other third-party costs that may apply.

Can you help if I haven’t found a property yet?

Yes. You can start a conversation before choosing a property. A specialist can help you understand financing options and the information a bank may need for an in-principle approval. Final approval remains subject to the lender’s assessment.

How do I know whether to refinance?

Start with your current rate, outstanding loan, remaining tenure, and lock-in end date. Compare potential interest savings against legal and valuation fees, penalties, and any subsidy clawbacks. Your specialist can help you review the overall picture.

Does enquiring mean I have to take a loan?

No. An enquiry is a starting point for a conversation. You can explore the options and decide whether you want to proceed. Submitting an enquiry is not a loan application or a commitment to a bank package.

A better home loan.A clearer way home.