GET THE BEST LOAN FOR YOUR NEW HDB HOME

Secure the best HDB home loan interest rate in Singapore with exclusive mortgage packages. Complete your HDB purchase with reputable conveyancing law firms and enjoy discounted legal fees.

Be Rewarded

Discounted legal fees
Up to $300
Shopping Vouchers
Up to $450
full rates

Unlock maximum value from your home

New Property

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Refinance

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Let our professional mortgage consultants get the highest property valuation from across 16 Banks so that you maximise your eligible equity term loan amount.

Why us?

Best home loan deal

Our mortgage consultants perform home loan calculations based on your income, age and property purchase price to advise on how much HDB housing loan you are eligible for based on the Mortgage Servicing Ratio (MSR) across all major banks in Singapore. In this way, you can know which bank can offer the highest loan amount with the best package possible.

mortgage flexibility

HDB properties have a minimum occupancy period (MOP) of 5 years, but there are exceptions to this rule with HDB’s approval. Our mortgage consultants ensure flexibility in your mortgage by having special conditions such as waiver of penalties for early sale of HDB, making partial repayment during lock in period and free switch to a different interest rate package.

Lower Upfront Fees

For a new HDB home loan, upfront costs include legal fees which are within the range of $1,600 to $1,800. Through our partner conveyancing law firms, you get to enjoy lower legal fees through DollarBack Mortgage rewards. Lower upfront fees allow you to reduce the effective net interest being paid for mortgage, allowing you to save on your monthly instalments

Why us?

Feature One

Our mortgage consultants can provide a comprehensive breakdown on your equity loan eligibility over a quick phone consultation all within a few hours.

Feature two

Different banks have varying internal approval processes for an equity loan. Our mortgage consultants will be able to select a specific bank with the highest approval probability as well as the best mortgage package available for your needs.

Feature three

All equity loans through DollarBack Mortgage enjoy cash rewards above the rebates / subsidies provided by banks. With the bank provided rebates, your upfront costs are fully covered which then leaves the additional cash rewards as a bonus which can be thought of increasing your equity loan amoun

Feature four

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Basic

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$10

/ per month

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Advanced

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$20

/ per month

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Plus

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$30

/ per month

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BANK
LOAN TYPE
YEAR 1
YEAR 2
YEAR 3
3 YEARS AVG
YEAR 4
YEAR 5
YEAR 6
3M SIBOR
xx%
fixed
xx%
fixed
xx%
xx%
3M SIBOR
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
Board Rate
xx%
fixed
xx%
fixed
xx%
3M SIBOR
xx%
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
1M SIBOR
xx%
fixed
xx%
fixed
xx%
3M SIBOR
xx%
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
36M FIXED DEPOSIT
xx%
fixed
xx%
fixed
xx%
3M SIBOR
xx%
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
X Year Fixed
xx%
fixed
xx%
fixed
xx%
3M SIBOR
xx%
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
3 Year Fixed
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
floating
xx%
floating
xx%
floating
Get rewards
4 Year Fixed
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
fixed
xx%
floating
xx%
floating
Get rewards
5 Year Fixed
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
fixed
xx%
fixed
xx%
floating
Get rewards
X Year Fixed
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
fixed
xx%
fixed
xx%
floating
Get rewards
X Year Fixed
Special Promo
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
fixed
xx%
fixed
xx%
floating
Get rewards
BANK
LOAN TYPE
YEAR 1
YEAR 2
YEAR 3
3 YEARS AVG
YEAR 4
YEAR 5
YEAR 6
3M SIBOR
xx%
fixed
xx%
fixed
xx%
xx%
3M SIBOR
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
Board Rate
xx%
fixed
xx%
fixed
xx%
3M SIBOR
xx%
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
1M SIBOR
xx%
fixed
xx%
fixed
xx%
3M SIBOR
xx%
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
36M FIXED DEPOSIT
xx%
fixed
xx%
fixed
xx%
3M SIBOR
xx%
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
X Year Fixed
xx%
fixed
xx%
fixed
xx%
3M SIBOR
xx%
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
3 Year Fixed
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
floating
xx%
floating
xx%
floating
Get rewards
4 Year Fixed
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
fixed
xx%
floating
xx%
floating
Get rewards
5 Year Fixed
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
fixed
xx%
fixed
xx%
floating
Get rewards
X Year Fixed
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
fixed
xx%
fixed
xx%
floating
Get rewards
X Year Fixed
Special Promo
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
fixed
xx%
fixed
xx%
floating
Get rewards
BANK
BOARD RATE LOAN TYPE
YEAR 1
YEAR 2
YEAR 3
3 YEARS AVG
YEAR 4
YEAR 5
YEAR 6
3M SIBOR
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Special Promo
36M FIXED DEPOSIT
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Special Promo
1M SIBOR
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Special Promo
36M FIXED DEPOSIT
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Special Promo
36M FIXED DEPOSIT
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Special Promo
36M FIXED DEPOSIT
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Special Promo
36M FIXED DEPOSIT
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Special Promo
36M FIXED DEPOSIT
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Special Promo
36M FIXED DEPOSIT
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Special Promo
36M FIXED DEPOSIT
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Special Promo
BANK
BOARD RATE LOAN TYPE
YEAR 1
YEAR 2
YEAR 3
3 YEARS AVG
YEAR 4
YEAR 5
YEAR 6
Citibank
3M SIBOR
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Citibank
36M FIXED DEPOSIT
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Citibank
1M SIBOR
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Citibank
36M FIXED DEPOSIT
xx%
xx%
xx%
xx%
xx%
xx%
xx%
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Citibank
36M FIXED DEPOSIT
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Citibank
36M FIXED DEPOSIT
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Citibank
36M FIXED DEPOSIT
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Citibank
36M FIXED DEPOSIT
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Citibank
36M FIXED DEPOSIT
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more
Citibank
36M FIXED DEPOSIT
xx%
xx%
xx%
xx%
xx%
xx%
xx%
learn more

Still unsure how to get the best home loan deals?

Find the best home loan for your specific needs with us today.

Contact us

I want to maximise
my equity loan

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What our clients say…

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Frequently Asked Questions

Does DollarBack Mortgage charge any fees?

We do not charge any fees to our clients as we are remunerated directly from over 16 banks in Singapore for a successful mortgage application. Going with DollarBack Mortgage instead of directly to the bank ensures that you get unbiased professional advice as we earn standard fees from all banks in Singapore and do not favour one bank over the other.

Should I go for a bank loan instead of a HDB loan?

Yes and no. It really depends on your long term property goals and current financial health. If you are looking for a lower down payment and long term stability for your interest rates and can afford higher monthly instalments, a HDB loan is better suited for you. However, if having flexibility in your home loan, saving on interest costs and having lower monthly instalments is your priority then a bank loan is the recommended choice.

How can I get a HDB home loan?

You can secure a HDB home loan from either HDB directly or any bank in Singapore. For a bank loan, we will advise on the best required documents the bank requires to determine your maximum loan amount. Once you have secured your OTP (Option To Purchase) for your desired flat, just submit the valuation report to the bank and an official letter of offer from the bank will be generated. With the letter of offer, you will then have secured your HDB home loan.

Who is eligible for a HDB loan?

Any Singapore citizen or permanent resident above the age of 21 years and with a minimum annual income of $30,000 is eligible for a HDB loan from a bank.

What is the current HDB home loan interest rate?

HDB loan rate directly from HDB is currently at 2.60%. Banks loan rates for HDB flats differ periodically and can go as low as 1.20% depending on special approval from different banks and the type of HDB flat you are purchasing

Can CPF funds pay for legal fees and property stamp duties?

Yes, most definitely. You can use the CPF funds available in your Ordinary Account (OA) to fully pay for legal and stamp duty fees.

Are your partner law firms on the bank’s panel and CPF board?

Yes. Our partner law firms will act for the bank, CPF board and yourself. There will be no need to engage any other law firms on your end.