Mortgage Rates
New Launch (BUC) Condo Loan
Building-under-construction (BUC) condo home loan rates from Singapore banks. Updated weekly.
Coming soon
Rates coming soon
We're putting the finishing touches on this category. Register your interest below and we'll notify you the moment rates publish.
Refinance Enquiry
Could you save by refinancing?
If your home loan locks in above 3%, a quick refinance can shave hundreds off the monthly bill. Drop your details — we'll come back with a personalised comparison.
FAQ
Frequently Asked Questions
SORA (Singapore Overnight Rate Average) is the benchmark interest rate published daily by MAS. Most floating-rate packages peg against 3-month compounded SORA plus a bank margin, repricing quarterly. A fixed rate stays constant for the lock-in period (typically 1–3 years) before reverting to a floating spread.
A board rate is a bank-set internal rate that the bank can change at its discretion. Older packages used board rates, but most banks have shifted to SORA-pegged floating packages because they're more transparent. Board-rate packages are less common today and generally less attractive than SORA packages.
Fixed gives certainty during the lock-in period — useful if you expect rates to rise or want predictable cash flow. Floating tends to be cheaper when SORA falls or stays low, but you absorb the volatility. Many borrowers compromise with a 2-year fixed teaser then reprice to a floating spread when the lock-in ends.
Most home loans allow free repricing or refinancing after the lock-in period (usually 2–3 years). If your current rate is materially above the best available rate and you have at least 18 months left on the loan, refinancing typically pays off after factoring in legal subsidies and valuation fees. Drop us your details below for a quick analysis.