Top 10 Best Home Loans in Singapore 2026

With property prices remaining elevated and interest rates gradually easing in 2026, choosing the right home loan in Singapore has never been more critical for buyers and refinancers alike. Whether you’re purchasing an HDB flat, BTO, or private property, comparing mortgage packages from Singapore’s top banks and 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 loans in Singapore 2026, offering competitive fixed and floating rate packages tailored for both HDB and private property buyers. Backed by Singapore’s largest bank, DBS provides seamless digital application tools and a dedicated mortgage specialist team. Its FHR (Fixed Deposit Home Rate) packages give borrowers greater rate transparency, making it a top choice for savvy homeowners.

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

2. OCBC Home Loan

OCBC Home Loan is a standout option for Singapore homebuyers seeking flexibility and competitive pricing in 2026. With packages spanning fixed-rate, SORA-pegged, and board rate options, OCBC caters to a wide range of budgets and property types. Its suite of tools, including home loan calculators and personalised advisory services, makes navigating Singapore’s property financing landscape straightforward and stress-free.

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

3. UOB Home Loan

UOB Home Loan is a trusted favourite among Singapore property buyers, offering a comprehensive range of fixed and floating rate packages for HDB flats, condominiums, and landed homes. UOB’s SORA-linked mortgage packages provide excellent rate transparency, while its dedicated mortgage advisers guide buyers through every step. Competitive cashback promotions and refinancing options make UOB a compelling pick in 2026.

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

4. HDB Housing Loan (HDB Concessionary Loan)

The HDB Concessionary Loan remains the most accessible home financing option for eligible Singapore public housing buyers in 2026. Offered directly by the Housing & Development Board, it features a stable interest rate pegged at 0.1% above the CPF Ordinary Account rate, providing long-term repayment predictability. With higher Loan-to-Value limits and flexible CPF usage, it is ideal for first-time flat buyers prioritising security over rate fluctuations.

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

5. Standard Chartered MortgageOne

Standard Chartered MortgageOne is an innovative home loan product that allows Singapore homeowners to offset their mortgage interest using savings deposited in a linked account. This unique structure can significantly reduce the total interest paid over the loan tenure, accelerating your path to full homeownership. Fast approvals, flexible financing terms, and competitive rates make Standard Chartered a smart choice for financially savvy borrowers in 2026.

• 🌐 Website: https://www.sc.com

6. Maybank Home Loan Singapore

Maybank Home Loan Singapore offers attractive mortgage packages designed to meet the diverse needs of HDB and private property buyers across the island. Known for competitive SORA-pegged and fixed-rate options, Maybank also provides personalised mortgage advisory to help borrowers secure the most suitable package. Its straightforward application process and strong customer service record make it a reliable contender among the best home loans in Singapore 2026.

• 🌐 Website: https://www.maybank2u.com.sg/en/loans/home-loans/home-loan.page

7. HSBC Home Loan Singapore

HSBC Home Loan Singapore delivers a premium mortgage experience with a range of packages including fixed-rate, SORA-linked, and the popular SmartMortgage offset plan. The SmartMortgage feature allows borrowers to link their savings and current accounts to reduce effective interest on their home loan, delivering meaningful long-term savings. HSBC’s promotional rates and dedicated mortgage support team consistently earn strong reviews from Singapore homeowners.

• 🌐 Website: https://www.hsbc.com.sg

8. Citibank Home Loan Singapore

Citibank Home Loan Singapore is well-regarded for its competitive interest rates and flexible mortgage solutions catering to both HDB upgraders and private property investors. Citi’s streamlined digital application process and responsive mortgage specialist team make securing a home loan in Singapore efficient and transparent. With attractive fixed and floating rate options, Citibank remains a strong contender for borrowers seeking value and reliability in 2026.

• 🌐 Website: https://www.citibank.com.sg/en/personal-banking/loans/home-loans/

9. RHB Home Loan Singapore

RHB Home Loan Singapore is an underrated gem offering competitive mortgage rates and flexible loan structures for residential property purchases across Singapore. RHB caters to both HDB and private property buyers, with SORA-pegged packages that align with market rate movements for greater transparency. Its personalised service approach and occasional promotional rate offers make it worth serious consideration when shopping for the best home loans in Singapore 2026.

• 🌐 Website: https://rhb.com.sg/personal-banking/loans/home-loan

10. SingSaver Home Loan Comparison

SingSaver Home Loan Comparison is Singapore’s go-to platform for side-by-side comparison of the latest home loan packages from leading banks and financial institutions. Whether you’re financing an HDB flat, private condominium, or a building-under-construction property, SingSaver simplifies the research process with up-to-date rates, expert guides, and easy online applications. It’s the perfect starting point for any homebuyer looking to identify the best home loans in Singapore 2026.

• 🕐 Opening Hours: monthly instalments that cover both the principal (loan am
• 🌐 Website: https://www.singsaver.com.sg

Use this guide as your starting point and always compare the latest rates directly with each lender or through a licensed mortgage broker before committing to your home loan.