Singapore Services & Moving Here Mortgage Brokers

The 5 Best Mortgage Brokers in Singapore (2026)

Updated October 2026 · 5 picks

The best mortgage brokers in Singapore in 2026 are Redbrick, the largest independent mortgage advisory; Mortgage Master, for HDB, private and BUC loans from 12 banks; and iCompareLoan, a long-running comparison service with mortgage consultants. MortgageWise and DollarBack Mortgage add cash rewards. Brokers are paid by the banks, so advice is free to you.

In Singapore, a mortgage broker compares home loan packages across banks, helps you apply, and is paid a referral fee by the bank you choose, so the service is normally free to the borrower. Brokers are not licensed by the Monetary Authority of Singapore for home loan advice, so the broker's independence and the number of banks they actually work with matter. HDB flat buyers can also borrow from HDB itself, which no broker arranges.

1. Redbrick Mortgage Advisory — City Hall

Describes itself as Singapore's largest independent mortgage advisory, watching 100+ packages.

Specialty Home loans, refinancing, commercial and industrial property, bridging and equity loansBest for HDB and private home buyers, refinancers and property investors

Redbrick calls itself the largest independent mortgage advisory in Singapore and tracks more than 100 loan packages from a panel that includes DBS, OCBC, Standard Chartered, Maybank, HSBC, Citibank and others. It handles new purchase and refinancing loans, plus commercial, construction, bridging, equity and overseas property loans.

Its blog and rate-comparison pages are among the most detailed in Singapore, and it powers the home loans section of personal-finance site SingSaver. The office is on Coleman Street, near City Hall MRT.

Good to know: Ask for a side-by-side comparison of the total interest over the lock-in period, not just the first-year rate.

1 Coleman Street, #08-11, Singapore 179803

Google Maps Website

2. Mortgage Master — Toa Payoh

A free broker with 12 bank partners, covering HDB, private and BUC loans.

Specialty HDB and private home loans, BUC (new launch) loans, refinancing, bridging and equity loansBest for HDB upgraders, new-launch buyers and refinancers

Mortgage Master compares packages from 12 banking partners and states plainly that it charges no broker fee because the banks pay it. It covers HDB and private property loans, loans for buildings under construction (BUC), refinancing and repricing, bridging and home equity loans.

BUC loans for new launches work differently from completed-property loans — they are drawn down in stages — so a broker who handles them often is useful for new condo buyers. The office is in Toa Payoh North.

Good to know: Buying a new launch? Ask how the progressive drawdown will affect your monthly payments year by year.

1008 Toa Payoh North, #05-17, Singapore 318996

Google Maps Website

3. iCompareLoan — Queenstown / Commonwealth

A long-running Singapore home loan comparison service with mortgage consultants.

Specialty Home loan comparison, new purchase and refinancing, loan calculatorsBest for Home owners refinancing, buyers and property agents

iCompareLoan, run by CoreConcept Systems, is one of the longer-running home loan comparison services in Singapore. You compare packages online, and its mortgage consultants then liaise with the partner banks on your behalf; the site also has calculators for home, commercial, equity and renovation loans.

It suits borrowers who like to research rates themselves before talking to anyone. The office is at One Commonwealth, near Commonwealth MRT.

Good to know: Use the refinancing calculator to check whether the savings beat the legal fees and any clawback before you switch.

1 Commonwealth Lane, #06-01/02 One Commonwealth, Singapore 149544

Google Maps Website

4. MortgageWise — Singapore

A broker operating since 2014 that discloses its referral-fee model up front.

Specialty Home loan comparison, refinancing and repricing, HDB, commercial and industrial loansBest for Home owners and investors refinancing or buying

MortgageWise has been advising on Singapore home loans since 2014. It compares bank packages, helps with in-principle approval and the full application, coordinates repricing and refinancing, and refers clients to partner law firms for conveyancing.

It states clearly that banks pay it a standard referral fee and that the rate is the same whether you go direct or through a broker. It also runs a rewards scheme for clients.

Good to know: Ask which banks are on its panel for your loan size — panels and minimum loan amounts vary.

Website

5. DollarBack Mortgage — Singapore

An independent broker working with over 11 banks that pays borrowers cash rewards.

Specialty HDB and private home loans, refinancing, home equity loans, SORA trackingBest for Refinancers and buyers who want a rebate on top of the bank deal

DollarBack Mortgage is an independent broker working with more than 11 Singapore banks, including DBS, OCBC, UOB, Standard Chartered, HSBC and Maybank. It covers new HDB and private property loans, refinancing and home equity loans, and publishes a SORA rate tracker and calculators.

Its distinguishing feature is cash rewards for borrowers who take a loan through it; check the conditions before you count on them.

Good to know: Read the terms of the cash reward — when it is paid and what disqualifies you — before choosing a package because of it.

Website

Frequently asked questions

Do mortgage brokers in Singapore charge a fee?

Usually not. Most Singapore mortgage brokers are paid a referral fee by the bank, and the package you get is normally the same rate the bank offers directly. Ask the broker to confirm in writing that there is no fee to you and which banks they work with.

How much can I borrow for a home in Singapore?

Bank loans are capped by MAS rules: the Total Debt Servicing Ratio (TDSR) limits all your monthly debt repayments to 55% of income, HDB flats and executive condos bought with a bank loan also face a 30% Mortgage Servicing Ratio, and for a first housing loan the loan-to-value limit is generally 75% of the price, lower if the tenure runs past age 65 or the set maximum. Check current limits on the MAS and HDB websites.

Should I choose a fixed or floating rate?

Fixed packages give certainty for two or three years; floating packages are mostly pegged to the three-month compounded SORA plus a spread and move with market rates. Most packages carry a lock-in period with a penalty of around 1.5% for early repayment or refinancing, so compare the total cost over the lock-in, not just the headline rate.

What is the difference between repricing and refinancing?

Repricing means switching to a new package with your existing bank, usually for a small admin fee and with no legal work. Refinancing means moving the loan to another bank, which involves conveyancing; banks often offer a legal subsidy, but may claw it back if you refinance again within a few years. A broker can compare both.

Can foreigners get a home loan in Singapore?

Yes, foreigners can borrow from Singapore banks to buy private property, subject to the same TDSR and LTV rules, though some banks set higher income requirements or lower loan limits for non-residents. Remember the Additional Buyer's Stamp Duty must be paid in cash. See our guide to the best property agencies in Singapore and law firms for the rest of the purchase.

1. Redbrick Mortgage Advisory — City Hall

2. Mortgage Master — Toa Payoh

3. iCompareLoan — Queenstown / Commonwealth

4. MortgageWise — Singapore

5. DollarBack Mortgage — Singapore

Frequently asked questions

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