When people think about property loans in Singapore, they think of banks. But smart financing isn’t just about which rate is lowest today. The focus...

For years, homeowners were taught to fear one thing above all else when choosing a home loan: the lock-in period. Break the loan too early,...

At IQrate, we often hear this from homeowners: “I’ll refinance once rates drop a bit more.” It’s a good idea, but in reality, waiting for...

With property prices going up and interest rates changing, choosing the right home loan in Singapore is now harder than it used to be. Borrowers...

Singapore’s mortgage landscape is heating up again, and for good reason. Home loan rates have dropped from their 2023 highs. New buyers and current homeowners...

A smarter approach to lowering your home loan cost. At IQrate, we believe refinancing should be simple, transparent, and financially optimised for every homeowner. With...

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...

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 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...

The digital revolution is changing daily life in Singapore. It affects how we shop, invest, and manage our money. The mortgage industry, once dominated by...

In Singapore, property ownership can change in two main ways. These are through a Sale & Purchase Agreement (S&P) or Deed of Gift. Both achieve...

Here are some common mistakes people make when applying for a home loan in Singapore. This includes both HDB loans and bank loans. ⚠️ Common...

Using a mortgage broker in Singapore offers several advantages, especially if you’re navigating the often complex world of home loans. Here’s a breakdown of the...

For many homeowners in Singapore, the HDB concessionary loan provides stability and familiarity. However, as interest rates change, refinancing to a bank loan can lead...

Buying a home with a partner or family member means sharing ownership and the home loan responsibility. But what happens if one co-owner dies before...

What is TDSR? The Total Debt Servicing Ratio (TDSR) is a rule from the Monetary Authority of Singapore (MAS). It helps make sure borrowers do...

Many parents in Singapore want to support their children in purchasing a property. Parents can help with a home loan in different ways. This depends...

A property equity loan, also known as a term loan or cash-out refinancing, can be a strong financial tool if used wisely. Here’s what you...

1. Housing Loan Eligibility Criteria Basic Requirements To qualify for a home loan, you must: Depending on whether you apply for a bank loan or...

SORA has been drifting lower lately, even though the U.S. Fed hasn’t cut rates. The move is largely about Singapore-specific liquidity and foreign exchange dynamics,...

In Singapore, a Divorce Property Settlement can be complex, especially when a home loan and property ownership are involved. The outcome often depends on whether...

Selling a Property in Singapore (HDB or Private Property): Timeline & Process Guide Whether you are upgrading, right-sizing, or cashing out, selling your home in...

Singapore’s public housing is managed by the Housing & Development Board (HDB). It is an important part of the country’s housing policy. HDB flats are...

With rising property prices and fluctuating interest rates, securing a home loan in Singapore requires careful financial planning. Floating-rate packages provide flexibility and possible savings....