Resources
Expert guides, market insights, and tools for every stage of your home financing journey.

Over the last two decades, HDB’s 2.6% home loan rate has stayed rock solid, while SORA-based bank loans have floated up and down with the market. But when you crunch 20 years of data, a clear pattern emerges: despite a few short spikes, bank loans have been cheaper almost 80% of the time. A borrower with a $500,000 loan over 20 years would have saved roughly $70,000 by going with a typical SORA + 0.5% bank package instead of sticking with HDB’s fixed rate. The takeaway? Start safe with an HDB loan when buying your BTO, but once you’ve collected your keys, refinance to a bank loan and let the data work in your favour.
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HDB checks your credit report during the HFE letter application, where it retrieves your CBS credit report in the background using your consent. The loan amount is then reassessed again before key collection, so changes in income or debt during the BTO waiting period can reduce the loan you qualify for. A Debt Management Programme does not automatically disqualify you but reduces your borrowing capacity through its impact on your MSR and TDSR.

With 19,600 new BTO flats and ~13,500 MOP units flooding the market in 2026, first-time buyers face a genuine choice—and the right pick could save S$78,000+ over the life of a loan.

Fixed mortgage rates in Singapore have risen since January 2026, but the floating-rate benchmark they eventually revert to, 3-month SORA, remains below its five-year average, meaning today's floating rate is not historically high even though fixed quotes are climbing. Because no fixed package covers the full loan term, what matters most is the average rate paid over the life of the mortgage, which is best managed through regular monitoring and timely refinancing rather than reacting to short-term rate headlines.

Singapore's property markets diverged in Q3 2026, with private home prices rising 1.4% while HDB resale prices fell 0.2% for a third straight quarterly decline. Despite the overall HDB dip, a record 209 million-dollar resale flats sold in September alone, partly driven by private property owners right-sizing into HDB flats after the 15-month wait-out period was scrapped in July 2026 and bringing larger budgets to the resale market. All figures are flash estimates subject to revision when final Q3 data are released in October 2026.

The seized Sentosa Cove bungalows' S$15.68 million guide price acts as a rare public price floor for the ultra-prime segment because the state, as a forced seller of forfeited assets, has no incentive to post an unrealistic asking price. Singapore's stamp duty regime, 60% ABSD for foreigners versus zero for citizens, has narrowed the realistic buyer pool mostly to citizens and PRs, since a foreign buyer would pay roughly 65.6% in upfront tax versus 5.6% for a citizen. Whether the bungalows clear at or above guide, and who ultimately buys them, will reveal whether citizen and PR demand alone can sustain Sentosa Cove's ultra-prime landed market.
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Make smarter decisions before you buy. Learn how much you can really afford, how to optimise your CPF and cash savings, and how to plan your finances to stay within MSR, TDSR, and LTV limits. · 32 articles

Home Buying 101 is a comprehensive resource covering every stage of the Singapore home purchase journey, from choosing between BTO, resale HDB, and private condo to understanding mortgage rates, grants, stamp duties, and eligibility rules. It includes practical guides on affordability checks, common first-timer mistakes, and how to navigate the 2026 BTO launch pipeline and refinancing environment. · 29 articles

Rate Updates is your always-on feed for Singapore home-loan interest rates. Each update delivers fresh rate tables, concise market commentary, and data-driven insights—so buyers and refinancers can spot opportunities, time their decisions, and lock in the best deals with confidence. · 15 articles

This section covers the essentials of Singapore home loans, including current condo mortgage rates, fixed vs floating rate comparisons, HDB loan refinancing, how to choose the best home loan step by step, and answers to common questions on topics like CPF usage, TDSR, MSR, lock-in periods, and loan eligibility. Whether you are a first-time buyer or looking to refinance, these guides help you understand your options and make informed mortgage decisions. Cashew simplifies the process by comparing 500+ live packages across all major banks, with a Best Rate Guarantee and fully digital application. · 15 articles

Refinancing your home loan in Singapore can lead to significant savings, especially as bank loan rates have dropped well below the HDB concessionary rate of 2.6%. Whether you are considering switching from an HDB loan to a bank loan, comparing refinancing versus repricing, or timing your move around lock-in periods and property market shifts, understanding the costs, trade-offs, and process is essential to making the right decision. Historical data shows bank loans have been cheaper than HDB loans roughly 76% of the time over the past 20 years, making refinancing one of the most impactful financial moves a homeowner can make. · 17 articles

This section covers regulations and policies relevant to Singapore mortgage advisory, including rules governing home loans, lending limits, and borrower eligibility. · 30 articles

The Advisor Hub is a resource centre for mortgage advisors using ACCESS by Cashew. It covers how to read standardised mortgage factsheets, create and share custom client proposals, submit bank applications, and use the built-in mortgage calculator to estimate payments and compare packages. · 5 articles

Explore how Cashew’s tech makes home financing easier. From AI-powered tools to smart calculators, learn how to get personalised advice, instant insights, and better decisions — all without picking up the phone. · 3 articles

