Top 10 Best Home Loan Packages in Singapore 2026

With Singapore’s property market remaining competitive in mid-2026 and interest rates evolving, choosing the right home loan package has never been more critical for buyers and refinancers alike. Whether you’re purchasing an HDB flat or a private condominium, comparing rates and features across banks and licensed lenders can save you tens of thousands of dollars over your loan tenure.

1. DBS Home Loan

DBS Home Loan consistently ranks among the best home loan options in Singapore 2026, offering competitive fixed and floating mortgage rates for new purchases, refinancing, and repricing. Borrowers benefit from a seamless digital application process and a suite of flexible packages tailored to HDB flats and private properties alike. DBS’s FHR-linked rates and loyalty repricing perks make it a top choice for savvy Singapore homeowners.

• 📞 Phone: 96800306
• 🌐 Website: https://www.dbs.com.sg

2. OCBC Home Loan

OCBC Home Loan is a strong contender for the best home loan in Singapore 2026, delivering a diverse range of mortgage packages that cater to first-time buyers, upgraders, and investors. Its popular SORA-pegged loan options provide greater transparency in rate movements, while the OCBC One Account allows homeowners to offset interest with their savings. Flexible tenure options and dedicated mortgage specialists make the home-buying journey straightforward.

• 📞 Phone: 93200032
• 🌐 Website: https://www.ocbc.com

3. UOB Home Loan

UOB Home Loan stands out in Singapore’s 2026 mortgage landscape with its attractive fixed-rate packages and SORA-based floating-rate options, giving borrowers clarity and flexibility throughout their loan tenure. The bank’s SmartOwner Programme rewards loyal customers with preferential rates and fee waivers, making it especially appealing for those purchasing or refinancing private properties. UOB’s extensive network of mortgage advisors ensures personalised guidance at every step.

• 🌐 Website: https://www.uob.com.sg/personal/borrow/property-loan/home-loan.page

4. HDB Housing Loan

The HDB Housing Loan remains the go-to financing option for eligible Singapore citizens purchasing HDB resale or Build-to-Order flats, offering a stable concessionary interest rate pegged at 0.1% above the CPF Ordinary Account rate. It allows up to 80% loan-to-value financing and provides greater repayment flexibility, including the option to use CPF savings. For buyers seeking security over market-rate fluctuations, the HDB loan is an unmatched safeguard.

• 🌐 Website: https://www.hdb.gov.sg/cs/infoweb/residential/financing-a-flat-purchase/housing-loan-from-hdb

5. Standard Chartered MortgageOne

Standard Chartered MortgageOne is an innovative home loan product in Singapore that links your mortgage to your deposit accounts, effectively using your savings to offset interest charges and helping you repay your loan faster. This unique offset mortgage structure is ideal for high-income earners or those with substantial liquid savings who want to minimise interest costs without locking funds away. SC’s fast approval process and promotional rates further cement its appeal in 2026.

• 🌐 Website: https://www.sc.com

6. Maybank Home Loan

Maybank Home Loan offers Singapore borrowers competitive mortgage rates with a focus on flexibility, featuring both fixed-rate and SORA-linked floating-rate packages suited for HDB and private property purchases. The bank is particularly well-regarded for its personalised service and willingness to structure loans for a variety of buyer profiles, including those with variable income. Attractive refinancing packages make Maybank a compelling option for homeowners looking to lower their monthly repayments.

• 🌐 Website: https://www.maybank.com.sg/en/loans/home-loans.page

7. Citibank Home Loan Singapore

Citibank Home Loan Singapore delivers competitive mortgage solutions backed by Citibank’s global financial expertise, offering both fixed and variable rate packages for private property purchases and refinancing. Its streamlined online application and dedicated mortgage team make the process efficient for busy professionals navigating Singapore’s dynamic property market. Citibank’s relationship banking model often unlocks preferential rates and cashback offers for qualifying borrowers.

• 🌐 Website: https://www.citibank.com.sg/mortgages/

8. HSBC Home Loan Singapore

HSBC Home Loan Singapore is a premium mortgage offering that appeals to both locals and expatriates seeking competitive rates and flexible repayment structures in Singapore’s 2026 property market. The bank’s SmartMortgage plan intelligently combines your home loan and current account, allowing excess funds to reduce interest on a daily basis. HSBC’s promotional packages and dedicated mortgage advisors provide borrowers with a refined and comprehensive financing experience.

• 🌐 Website: https://www.hsbc.com.sg

9. Bank of China Home Loan Singapore

Bank of China Home Loan Singapore is an increasingly popular choice among Singapore property buyers, known for offering some of the most competitive interest rates in the market, particularly for private residential properties. With both fixed-rate and floating-rate packages on offer, BOC caters to a wide range of borrower needs and risk appetites. Its strong ties to the local property financing ecosystem and straightforward application process make it worth serious consideration in 2026.

• 🌐 Website: https://www.bankofchina.com

10. PropertyGuru Finance (Mortgage Broker)

PropertyGuru Finance is Singapore’s leading independent mortgage broker, empowering homebuyers to compare over 100 home loan packages from multiple banks on a single platform in 2026. Its team of licensed mortgage advisors provides unbiased, personalised recommendations at no cost to the borrower, saving both time and money during the loan selection process. For Singaporeans overwhelmed by the sheer variety of mortgage options, PropertyGuru Finance is the smart starting point.

• 🌐 Website: https://www.propertyguru.com.sg/mortgage

Bookmark this guide and use it alongside official bank calculators to shortlist the best home loan package that fits your financial goals before your next property purchase or refinancing window.