Top 10 Best Mortgage Loan Packages in Singapore 2026

With Singapore’s property market remaining active heading into Q4 2026, securing the right mortgage loan package has never been more important for homebuyers and investors alike. Whether you’re purchasing an HDB flat, executive condo, or private property, comparing the latest home loan rates and features can save you tens of thousands of dollars over your loan tenure.

1. DBS Home Loan

DBS Home Loan consistently ranks among the best mortgage loan packages in Singapore 2026, offering competitive fixed and floating rate options for new purchases, refinancing, and repricing. Borrowers benefit from a seamless digital application process, transparent rate comparisons, and flexible repayment structures tailored to diverse financial profiles. Backed by Singapore’s largest bank, DBS also provides in-branch mortgage specialists to guide you through every step of homeownership.

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

2. OCBC Home Loan

OCBC Home Loan is a top contender for Singaporeans seeking reliable and competitively priced mortgage financing in 2026. With a range of fixed-rate, floating-rate, and board-rate packages, OCBC caters to HDB flat buyers and private property purchasers alike. Their dedicated home loan advisors and user-friendly online tools make comparing and applying for the right package straightforward and stress-free.

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

3. UOB Home Loan

UOB Home Loan stands out in Singapore’s 2026 mortgage landscape with attractive interest rate packages and flexible loan tenure options suited to first-time buyers and seasoned property investors. UOB offers both fixed and SORA-pegged floating rate packages, giving borrowers greater certainty or flexibility depending on their financial goals. Their HomeAdvisory team provides personalised consultations to help Singaporeans make confident property financing decisions.

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

4. HDB Concessionary Loan

The HDB Concessionary Loan remains one of the most accessible and borrower-friendly mortgage options in Singapore, particularly for eligible first-time flat buyers purchasing directly from HDB. Offering a fixed concessionary interest rate pegged at 0.1% above the CPF Ordinary Account rate, it provides stability and predictability in monthly repayments. With a higher loan-to-value limit and no cash down payment requirement for CPF-eligible buyers, it is a cornerstone of Singapore’s public housing financing framework.

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

5. Standard Chartered MortgageOne

Standard Chartered MortgageOne is an innovative mortgage solution that sets itself apart in Singapore’s 2026 home loan market by allowing borrowers to offset their mortgage interest using funds in a linked deposit account. This unique structure can significantly reduce the effective interest paid over the loan tenure, making it especially attractive for cash-rich homeowners. Fast approvals and flexible financing options make Standard Chartered a smart choice for those looking to buy their dream home sooner.

• 🌐 Website: https://www.sc.com

6. Maybank Home Loan

Maybank Home Loan offers Singaporeans competitive mortgage packages in 2026, featuring both fixed and floating rate options pegged to SORA for greater transparency and alignment with market rates. Known for personalised service and flexible loan structures, Maybank caters to a wide range of buyers from HDB upgraders to private property investors. Their dedicated home loan consultants work closely with borrowers to tailor financing solutions that match individual needs and budgets.

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

7. CIMB Home Loan

CIMB Home Loan is gaining recognition as one of the best mortgage loan packages in Singapore 2026, offering attractively priced SORA-linked floating rate packages with low entry costs and no lock-in period options. Ideal for savvy borrowers who want flexibility and value, CIMB’s transparent fee structure and competitive rates make it a compelling alternative to the larger local banks. The straightforward online application process further enhances its appeal for digitally-savvy homebuyers.

• 🌐 Website: https://www.cimb.com.sg/en/personal/banking-with-us/loans/home-loans.html

8. Hong Leong Finance Home Loan

Hong Leong Finance Home Loan is a trusted mortgage option for Singapore HDB and private property buyers, with decades of experience in local property financing. Offering fixed and floating rate packages with competitive interest rates, Hong Leong Finance is particularly well-regarded among HDB loan seekers looking for bank loan alternatives. Their personalised service model and knowledgeable loan officers ensure borrowers receive guidance suited to their specific financial circumstances.

• 🌐 Website: https://www.hlf.com.sg/personal/loans/home-loans

9. PropertyGuru Finance

PropertyGuru Finance is Singapore’s leading mortgage broker platform, empowering homebuyers in 2026 to compare hundreds of loan packages from over 15 banks and financial institutions in one place. Their team of certified mortgage advisors provides unbiased, data-driven recommendations to help borrowers secure the most competitive rates for their property type and financial profile. With no broker fees charged to borrowers, PropertyGuru Finance makes finding the best mortgage deal in Singapore both effortless and cost-effective.

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

10. Redbrick Mortgage Advisory

Redbrick Mortgage Advisory is a highly regarded independent mortgage broker in Singapore, known for delivering personalised financing solutions that go beyond simply comparing interest rates. Their experienced team of advisors takes a holistic approach, analysing each client’s financial situation to recommend the most suitable loan package from a wide panel of lenders. Trusted by thousands of Singaporean homeowners, Redbrick is an excellent first call for anyone navigating the complexities of home financing in 2026.

• 📍 Address: 1 Coleman Street #08-11 Singapore 179803
• 📞 Phone: 8898 6868
• 🕐 Opening Hours: friends and fam
• 🌐 Website: https://www.redbrick.sg

Use this curated list as your starting point to compare rates, lock-in periods, and flexibility options — then consult a licensed mortgage broker or your preferred bank to find the mortgage loan package that best suits your financial goals.