Compare Home Loan Rates
View the best available rates across different loan amounts and rate types. All rates shown are the lowest available from major Singapore banks.
| Loan Amount | Floating Rate | 2-Year Fixed | 3-Year Fixed |
|---|---|---|---|
| $500K | 1.69% | 1.80% | 1.80% |
| $1M | 1.56% | 1.68% | 1.68% |
| $2M | 1.56% | 1.65% | 1.65% |
Rates last updated: Wednesday, 10 September 2025 • Updated every 5 minutes
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Choosing the right home loan is about more than just picking the lowest percentage. Each rate type—floating, 2-year fixed, and 3-year fixed—comes with its own trade-offs. Here's what you should know before making a decision.
Floating Rate Mortgages
Floating (or variable) rates are usually pegged to benchmarks like SORA in Singapore. Your monthly repayments will rise or fall depending on market conditions. These packages often start with the lowest initial rates, making them attractive for homeowners who expect interest rates to fall or plan to refinance soon.
2-Year Fixed Rate Mortgages
A 2-year fixed rate gives you short-term certainty. Your interest payments won't change during the lock-in period, even if market rates rise. This option is popular with homeowners who value stability, but still want flexibility to refinance after two years if better offers become available.
3-Year Fixed Rate Mortgages
A 3-year fixed rate locks in your repayments for a longer period. This is a good choice if you want peace of mind against rising interest rates. While the initial rates may be slightly higher than 2-year packages, you gain extra protection and budgeting certainty.
How to Compare Floating vs Fixed Rates
- If you expect rates to fall, a floating package may save you money.
- If you want predictability, fixed packages are safer.
- If you plan to sell or refinance in 2–3 years, look at the lock-in conditions before committing.
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