Reliable Mortgage Loan in Singapore

It’s time to secure your dream home with ease and confidence.

Easy compare mortgage rates in Singapore with our mortgage loan calculator. Whether you’re securing a new mortgage loan in Singapore or exploring mortgage refinancing options, our tool helps you find the best rates and make informed decisions. Work with a trusted mortgage broker in Singapore at Dream Home Loan to secure the best deals.

Does this sound familiar?

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You’re struggling to balance work, family, and the time-consuming process of comparing loan offers.

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You’re worried about hidden fees or getting stuck with a bad interest rate because you don’t understand all the fine print.

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You’re uncertain about how much you can actually afford and fear making a financial mistake that could cost you your dream home.

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You’ve been turned down by multiple banks and feel like you’ll never find the right mortgage loan in Singapore.

Your Personalized Mortgage Solution

Dream Home Loan offers personalized mortgage solutions tailored to your unique financial needs, helping you secure the perfect loan for your dream home or commercial property loan in Singapore. We build strong client relationships by offering flexible and responsive service, ensuring that you receive the best mortgage rates in Singapore along with the best possible terms. With our broad range of offerings and a focus on your satisfaction, we make the mortgage process smooth and stress-free, so you can focus on what matters most—your future.

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Seamless Process

We handle all the paperwork, negotiations, and legwork, making the entire loan process smooth and stress-free. You can focus on your new home while we take care of the details.

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Personalized Guidance

From the moment you reach out, we take the time to understand your unique financial situation and goals. We tailor our mortgage solutions to fit your specific needs, ensuring you get the best possible deal. Our experienced mortgage advisor will guide you through the best home loan options in Singapore, ensuring a smooth and hassle-free financing process.

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Exclusive Rates and Offers

Thanks to our strong partnerships with banks and several private funding companies, you’ll have access to competitive rates and loan options.

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Zero Admin Fees

We believe in providing value without hidden costs. When you work with Dream Home Loan, you’ll benefit from our expert services with no admin fees, making the process even more cost-effective for you.

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Strong Client Relationship

We build lasting relationships with our clients, offering ongoing support even after your loan is secured. We’re here for you at every step, providing expert advice and ensuring your satisfaction.

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Seamless Process

We handle all the paperwork, negotiations, and legwork, making the entire loan process smooth and stress-free. You can focus on your new home while we take care of the details.

Frequently Asked Questions

What is the minimum down payment required for a mortgage loan in Singapore?

The minimum down payment depends on the type of property and loan to value ratio that you’re applying for. The amount for a minimum down payment is set to 25% for private properties. Should you purchase a HDB flat, the minimum down payment will be 20% for loan taken with the HDB board and the mandatory down payment is 25% for bank loan. We’ll help you understand what’s required based on your specific situation.

How do I know if I qualify for a mortgage loan?

Qualification depends on several factors, including your income, credit score, employment type (eg: Self Employed / Freelancer / Salaried etc), and existing financial obligations. We’ll assess your financial situation and guide you through the pre-approval process to determine your eligibility.

What’s the difference between a fixed-rate and a floating-rate mortgage?

A fixed-rate mortgage ensures your interest rate remains unchanged for the first 1 to 5 years depending on the package chosen, before moving into a floating rate. It therefore provides stability in your monthly payments regardless how the market condition is, during the fixed-rate periods. A floating-rate mortgage, on the other hand, has an interest rate that can fluctuate based on market conditions. We’ll help you decide which option best suits your financial goals.

How long does the mortgage approval process take?

The mortgage approval process typically takes 1-2 weeks, depending on the complexity of your case and the documentation required. We streamline the process by handling all the paperwork and liaising with the banks to ensure a smooth and timely approval.

Are there any hidden fees or charges I should be aware of?

At Dream Home Loan, transparency is key. We charge zero admin fees, and we’ll make sure you’re fully aware of any potential costs associated with your mortgage, such as legal fees, valuation fees, and stamp duties, so there are no surprises down the road.

Can I refinance my existing mortgage through Dream Home Loan?

Yes, we offer refinancing options to help you take advantage of better interest rates or to unlock equity from your property. We’ll analyze your current mortgage and financial situation to determine if refinancing is the right move for you.

What happens if my mortgage application is rejected?

If your mortgage application is rejected, don’t worry—we’re here to help. We’ll review the reasons for the rejection, explore alternative solutions, and guide you on the next steps to improve your chances of approval.

How can I get started with the mortgage application process?

Getting started is easy! Simply contact us at Dream Home Loan, and we’ll set up a consultation to discuss your needs and guide you through the entire mortgage application process from start to finish.

Do you know how to calculate loans for decoupling, part purchase and cash out?

Absolutely! At Dream Home Loan, we specialize in complex mortgage strategies like decoupling, part purchase, and cash-out. Our deep knowledge of these processes allows us to guide you through each step with ease, ensuring that you fully understand the implications and benefits.