Get a Home Loan Quote in 60 Seconds
As of 30 Sept 2026, the lowest home loan quote for a $500,000 HDB purchase over 25 years is 1.45% (DBS FHR6 + 0.65%), about $1,988 a month. Change the details below for your own mortgage quote.
Your home loan quote
HDB · New purchase · $500,000 over 25 years
Monthly repayment and total interest assume the package's average rate for the whole tenure. Your consultant confirms the final rate with the bank.
Lock in this quote
Get the full comparison on WhatsApp and a consultant to confirm it with the bank. Free, no obligation.
Mortgage quotes from every major bank, side by side
A mortgage quote from a single bank tells you what that bank will offer. Cashew prices 500+ live packages across all major lenders in Singapore, so the quote above is the best package in each category for your loan, not the best one a single bank happens to have. For the full rate tables, see home loan rates in Singapore.
What is in a home loan quote
- Interest rate and rate type. Fixed packages hold the rate for 2 to 5 years. Floating packages move with a benchmark, usually SORA, plus a spread such as 3M SORA + 0.25%.
- Rates after the first years. Most packages step up after the fixed or promotional period, which is why the quote uses the average rate rather than the year-one rate alone.
- Lock-in period. Repaying or refinancing during the lock-in usually costs a penalty on the amount redeemed.
- Subsidies and clawbacks. Many packages pay for legal and valuation fees, and take that subsidy back if you redeem the loan within a set period.
- Monthly repayment and total interest. What the rate means in dollars over your chosen tenure.
Quote first, then approval
A home loan quote is the price. Before a bank lends, it checks that your repayments fit the Total Debt Servicing Ratio (TDSR) and, for HDB flats and ECs, the Mortgage Servicing Ratio (MSR). Our eligibility checker works out both, and the mortgage calculator shows the full repayment schedule.
Refinancing quotes
Switch the loan purpose to Refinance for a quote on moving your existing loan. HDB loan borrowers can also see what they would save by refinancing an HDB loan to a bank loan.
Questions, answered
How do I get a home loan quote in Singapore?
Enter your loan purpose, property type, loan amount and tenure on this page. Cashew prices the best package in each category from all major Singapore banks instantly, with the monthly repayment and total interest. If you want it confirmed, ask for the quote and a Cashew consultant checks it with the banks.
Is a mortgage quote free?
Yes. Getting a quote from Cashew costs nothing and carries no obligation. Banks pay Cashew a referral fee after your loan is disbursed, and every bank pays the same, so the fee never changes which package we recommend.
Does getting a home loan quote affect my credit score?
No. A quote is based on the details you enter and needs no credit check. The bank only pulls your Credit Bureau Singapore report when you apply for an Approval in Principle or a loan.
What is the difference between a quote, an Approval in Principle and a Letter of Offer?
A quote shows the rate and repayment a package would cost you. An Approval in Principle (AIP) is the bank’s conditional go-ahead after it checks your income, debts and credit report against TDSR and MSR limits. The Letter of Offer is the binding loan offer; the rate is only secured once you accept it.
How long is a home loan quote valid?
Bank packages change often and can be withdrawn without notice, so a quote reflects the rates on the day you get it. This page reprices every hour. To hold a rate you need the bank’s Letter of Offer.
Should I get a quote from a bank or a mortgage broker?
A bank quotes only its own packages. A broker such as Cashew compares packages across all major lenders at once, including ones a bank will not mention, and handles the application with whichever bank wins.