Unlock Singapore's Lowest
Mortgage Rates
Expert mortgage advisory for HDB, private condominiums, and commercial properties. We compare all major Singapore banks to secure your optimal financing package.
Live SORA Index
MAS Published · 2026-03-12
SORA is published daily by the Monetary Authority of Singapore (MAS). Home loans are typically priced at 3M SORA + spread.
Clients Served
Homeowners & investors
Loans Facilitated
Total loan volume
Avg. Rate Savings
vs. walk-in bank rates
Client Satisfaction
Based on post-service survey
Today's Best Rates
As of 18 March 2026 • All rates based on 3M SORA + spread
DBS Bank
DBSHDB Housing Loans • Lock-in 2 years
Fixed Rate
2.75%
After Lock-in
3.50%
DBS Bank
DBSHDB Housing Loans • Lock-in 2 years
Fixed Rate
2.75%
After Lock-in
3.50%
DBS Bank
DBSHDB Housing Loans • Lock-in 2 years
Fixed Rate
2.75%
After Lock-in
3.50%
DBS Bank
DBSHDB Housing Loans • Lock-in 2 years
Fixed Rate
2.75%
After Lock-in
3.50%
DBS Bank
DBSHDB Housing Loans • Lock-in 2 years
Fixed Rate
2.75%
After Lock-in
3.50%
Singapore SORA Index
The Singapore Overnight Rate Average (SORA) is the benchmark rate for floating-rate home loans. Published daily by MAS, it directly impacts your mortgage repayments.
Daily Rate
Overnight SORA
Base overnight rate published by MAS each business day at 9am.
1M Compounded
1-Month SORA
30-day compounded SORA, used for short-term floating rate products.
3M Compounded
3-Month SORA
The most widely used benchmark for Singapore home loans and mortgages.
6M Compounded
6-Month SORA
6-month compounded rate, used for medium-term financial instruments.
Data as of 2026-03-12 · Published by Monetary Authority of Singapore (MAS)
Your actual mortgage rate = SORA + Bank Spread (typically 0.60% – 1.20%)
3M SORA Trend
Jan 2025 – Mar 2026 · Rates declining
Real Results,
Real Savings
Our clients save an average of S$450/month on their mortgage repayments. Here are some of their stories.
"Utopia Mortgage saved me over S$3,700 in the first year alone. Their advisor compared 6 banks within 24 hours and secured a rate I never thought possible. The entire process was seamless."
Before
3.05%
After
2.60%
David Tan
4-Room HDB, Tampines
"As a first-time private property buyer, I was overwhelmed by the options. Utopia Mortgage's team guided me through every step and negotiated a package that included legal fee subsidies. Highly recommend."
Before
3.40%
After
2.75%
Sarah Lim
Condo, Orchard Road
"Refinancing my commercial property was complex, but Utopia handled everything professionally. They structured a package that improved my cash flow significantly. My business banking relationship has never been better."
Before
4.05%
After
3.20%
Michael Chen
Shophouse, Tanjong Pagar
End-to-End
Mortgage Advisory
From your first property enquiry to loan disbursement, Utopia Mortgage provides comprehensive advisory services tailored to Singapore's unique property market.
Access to all major Singapore banks and licensed financial institutions
MAS-compliant advisory with full transparency on fees and commissions
Average turnaround of 24–48 hours for loan comparisons
Dedicated advisor throughout your entire mortgage journey
No hidden fees — our service is fully funded by bank referral fees
Rate Comparison
We compare mortgage packages from all major Singapore banks and financial institutions to find your optimal rate.
Affordability Analysis
Our advisors calculate your TDSR, MSR, and maximum loan quantum to ensure you borrow within your means.
Application Management
We handle all paperwork, bank submissions, and follow-ups so you can focus on your property purchase.
Ongoing Advisory
We monitor rate movements and proactively advise you when to refinance for maximum savings.
Banks Partnered
All major Singapore banks
Years of Experience
In Singapore mortgage market
Average Processing
From enquiry to approval
Speak to a
Mortgage Expert
Get a personalised mortgage analysis within 24 hours. Our advisors will compare all available packages and present you with the best options — at no cost to you.
+65 93672284
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+86 15507082987
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