About Singapore Home Services
Built from search experience. Refocused on better mortgage decisions.
Singapore Home Services began as a local business-listing portal in 2014. Today, we use what we learnt about real consumer decisions to help property buyers and owners understand and compare mortgage options.
- Established in Singapore in 2014
- Mortgage-focused since 2026
- Compare options across multiple banks
Why we changed direction
From finding a service to making a major financial decision.
When Singapore Home Services launched, people were increasingly turning to Google to find air-conditioning companies, cleaners, contractors and other businesses serving their homes.
Our original job was simple: connect those searches with relevant Singapore service providers. We built hundreds of pages around genuine consumer needs and grew substantial organic visibility.
That experience showed us the difference between attracting traffic and helping someone move forward. A long list of choices is not useful when the person still cannot tell which option fits.
This matters even more in property financing. Mortgage packages can involve long commitments, changing rate structures, lock-in conditions and costs that are easy to overlook.
Rather than remain a broad directory, we gave SHS a clearer purpose: helping property buyers and owners understand and compare mortgage loan options across multiple banks.
Start with the property and borrower
The useful comparison begins with what you are financing, your timing and what flexibility you may need later.
Look beyond the headline rate
Rate structure, lock-in conditions, fees and future options can matter as much as the advertised number.
Make the trade-offs clearer
Our role is to help you understand the differences before you proceed with your chosen lender.
Our story
More than a decade of learning, changing and rebuilding.
We are not pretending SHS has been a mortgage business since 2014. Its history is useful because it explains why the business changed.
Founded in 2014
SHS began as a Singapore business and home-services listing portal built around local search behaviour.
Organic visibility grew
The site ranked for more than 1,000 high-intent keywords, based on our historical search records.
The market changed
Search evolved, comparison platforms improved and a broad directory was no longer a strong enough purpose.
Rebuilt in 2026
SHS refocused on mortgage comparison and clearer property-financing decisions.
What SHS does today
Property financing, made easier to understand.
Start with what you are trying to do, not whichever rate happens to appear in an advertisement.
New home loans
Understand financing routes for an HDB flat, condominium or landed property.
Explore new home loans 02 / RefinancingHome loan refinancing
Review an existing mortgage as its lock-in period or promotional pricing approaches an end.
Review refinancing options 03 / ComparingBank home loan comparison
Compare rate structure, lock-in conditions, applicable fees and flexibility.
Compare bank home loans 04 / CommercialCommercial property loans
Review financing considerations for offices, retail units, industrial property and other commercial purchases.
Explore commercial property loansHow we approach comparison
There is no single “best loan” for every borrower.
The useful question is whether a package fits your property, finances, timing and plans.
We would rather make the trade-offs visible than tell every visitor that one bank or package is automatically the cheapest.
How pricing works
Understand whether the package is fixed or floating, for how long, and how pricing may change.
What limits flexibility
Consider what may happen if you sell, redeem, reprice or refinance during the stated period.
What comes with the package
Look at applicable fees, subsidies, clawbacks and other relevant conditions.
What may matter later
Think about your holding period, partial repayment needs and possible refinancing plans.
The person behind SHS
Founded by Edmund Tan.
Edmund founded Singapore Home Services in 2014. His background spans digital marketing, search strategy, website development and online lead generation.
That experience shaped the original platform. SHS was developed around what people were actively searching for, rather than what businesses simply wanted to promote.
More than a decade later, the same principle remains relevant. The question has changed from “Which service provider should I engage?” to “Which property financing option makes sense for me?”
The objective is not to bury visitors in financial jargon. It is to make the important differences easier to understand before choosing a lender.
Clear about our role
Trust starts with what we will—and will not—promise.
Singapore Home Services is not a bank or lender. We do not make lending decisions.
Submitting an enquiry does not guarantee that a mortgage will be approved.
Pricing and suitability depend on the lender's offering and the applicant's circumstances.
Mortgage packages can change. An indicative rate is not a binding loan offer.
Loan quantum, terms and eligibility may differ between applicants and properties.
The selected bank or lender performs its own assessment and issues the binding loan terms. Eligibility, package availability, pricing, loan quantum and approval remain subject to that assessment.
Ready when you are
Start with your property, not a bank.
Buying a home, refinancing an existing mortgage or considering a commercial property? Share the basics and start a practical comparison.
No NRIC image, Singpass credentials or financial documents are required to begin.