Property financing, made clearer
Compare property loans Apply with confidence
Review home, refinancing and commercial property loan options across multiple banks in Singapore. Start with one simple request and receive practical guidance on the next step.
- New purchases
- Home loan refinancing
- Commercial property financing
Find the right starting point
One property decision
Three clear paths
Whether you are buying, refinancing or financing a business property, start with the route that matches your goal. We will help you review suitable packages across multiple banks.
Home Loans
Explore financing for an HDB flat, condominium or landed property. Compare the package structure, rate type, lock-in period and conditions before deciding.
Explore home loansHome Loan Refinancing
Review your current package against available options before your lock-in period ends or your rate changes.
Review refinancing optionsCommercial Property Loans
Discuss financing for office, retail, industrial or other commercial property purchases and refinancing needs.
Explore commercial loansBeyond the headline rate
The details shape the real loan decision.
A rate is only one part of a property loan. Compare the complete package so you can understand how it fits your purchase, refinancing plans and future flexibility.
Rate structure
Understand whether the package uses a fixed or floating rate, what the rate is linked to and when it may change.
Lock-in conditions
Check the lock-in period and the conditions that may apply if you sell, refinance or redeem the loan early.
Fees and conditions
Review applicable fees, subsidies, clawback terms and bundled requirements instead of looking at the advertised rate alone.
Future flexibility
Consider the package terms for repricing, partial repayment and refinancing as your circumstances change.
Package availability and terms vary by bank and applicant profile. Eligibility, pricing and approval remain subject to the selected bank's assessment.
A straightforward process
From your first request to the selected bank.
Start with a few basic details. We will clarify your needs, help you review suitable packages and explain the next step.
Tell us what you need
Choose a new home loan, refinancing or commercial property loan. Share only the basic details needed to begin.
We review your situation
We check the information provided and contact you if more context is needed before comparing available options.
Review suitable packages
Compare relevant package structures, conditions and practical considerations across multiple banks.
Continue with your choice
Once you select an option, continue the application process with the chosen bank and provide its required documents.
The bank makes the final lending decision. Eligibility, package availability, pricing and approval depend on the bank's assessment and your circumstances.
Mortgage repayment calculator
Estimate your monthly property loan repayment.
Enter the loan amount, annual interest rate and tenure you want to test. The calculator uses a standard monthly amortisation formula.
Estimated monthly repayment
S$—
Based on equal monthly repayments
This estimate assumes the entered rate remains unchanged for the full tenure. It excludes fees, insurance, subsidies, CPF considerations and other costs. It is not a loan offer or approval.
Commercial property loans
A clearer route to commercial property finance.
Commercial property financing depends on the property, borrower and purpose of the loan. Start with the key details so we can understand what you are planning and help you review suitable bank options.
- 01Purchasing office, retail, industrial or other commercial premises
- 02Financing property for business use or investment purposes
- 03Reviewing or refinancing an existing commercial property loan
Mortgage guides
Understand the decision before you apply.
Start with practical explanations of new home loans, refinancing and bank-package comparisons. Use the guides to prepare better questions before discussing your options.
Explore mortgage informationUnderstanding New Home Loans in Singapore
Learn what to compare when financing an HDB flat, condominium or landed property purchase.
02 Existing homeownersWhen Should You Review Home Loan Refinancing?
Understand lock-in timing, package conditions and the practical differences between refinancing and staying with your current bank.
03 Package comparisonHow to Compare Bank Home Loan Packages
Look beyond the advertised rate and review the rate structure, lock-in period, fees and future flexibility.
Mortgage rules, rates and bank-package terms can change. Confirm current information before making a financing decision.
Frequently asked questions
Straight answers before you start a request.
Understand what SHS can help with, what information is needed and where the bank's role begins.
SHS helps with new home loans, home loan refinancing and commercial property loan enquiries. This includes financing enquiries for HDB flats, private homes and commercial properties.
Yes. SHS helps you review suitable packages across multiple banks. Actual package availability depends on the property, loan requirement and applicant profile.
No. Submitting a request starts the discussion and comparison process. The selected bank decides eligibility, pricing and approval after completing its assessment.
Start with your loan requirement, property type, estimated loan amount and contact details. Refinancing enquiries may also include the current bank and lock-in expiry date if known.
No documents, NRIC details or Singpass credentials are needed for the initial request. The selected bank may request supporting documents during its formal application process.
Yes. Salaried and self-employed applicants can start an enquiry. The bank will assess income, documents and other requirements according to its lending criteria.
Yes. Commercial property financing enquiries can be made for an individual or company. Available options and requirements depend on the property, borrower and bank assessment.
SHS reviews the details and contacts you if more context is needed. You can then review suitable options and continue the formal application with your selected bank.
Start your loan request
Tell us what you need. Take the next step.
Start with a few basic details. We will use them to understand your property financing needs before discussing suitable options.
- No NRIC or Singpass credentials needed
- Home, refinancing and commercial loan enquiries
- Final eligibility and approval remain with the bank