Home Financing
New Purchase Loan · Refinancing
Compare home loans with ease.
Decide with confidence.
ANJIA ADVISORY provides independent mortgage guidance and application support for home buyers and homeowners in Singapore.
Current lowest fixed rate
1.38%
2-year fixed package
1M SORA
1.241%
3M SORA
1.159%
Data as of Explore rate history
Clear Guidance, Trusted Support
Less stress, less legwork and better-informed decisions
Compare Bank Packages
Compare rates, terms and package structures
Decide With Confidence
Choose a package that better fits your situation
How We Can Help
We compare relevant bank packages side by side, looking beyond headline rates to the terms, flexibility and costs that matter.
New Purchase Loan
We help you prepare the documents and arrange an In-Principle Approval (IPA), so you know your budget before applying for a bank loan on your new home.
Discuss this needRefinancing
Before your current package expires, we review your loan and compare the available options, including moving an HDB loan to a bank.
Discuss this needEquity Term Loan
Use an existing private residential property as security to unlock part of its equity through a cash loan repaid in instalments.
Discuss this needBuilding Under Construction (BUC) Financing
Progressive disbursement means interest and instalments build in stages. We help you plan the rate structure and cash flow for each stage.
Discuss this needShared Resources
Resource NetworkAccess to a reliable network of property agents for buying or selling, property lawyers and mortgage insurance specialists.
Discuss this needA Clearer Path From Question to Decision
We stay with you from the first conversation through package comparison and bank application.
01
Start With a Short Conversation
Whether you are buying, refinancing or simply exploring your options, reach us by WhatsApp, WeChat, phone, email or the enquiry form.
02
We Get the Full Picture
We look at your property type, loan amount, current package and priorities before narrowing down the relevant options.
03
We Compare and Explain the Trade-offs
We compare rates, terms, flexibility, legal fees and other less obvious costs, then explain the trade-offs clearly.
04
You Decide, We Handle the Next Steps
Once you select a package, we coordinate with the bank and follow the application through to completion.
Current Lowest Rates
These are the lowest rates recently verified by ANJIA for initial comparison. Rates can change without notice, and the package available to you remains subject to the bank’s assessment and final terms.
01
Completed Projects
Fixed and floating packages
Fixed Packages
| Loan amount | Fixed · 2 years |
|---|---|
| S$300K–499K | 1.65% |
| S$500K–799K | 1.55% |
| S$800K–1M | 1.38% |
Floating Packages
| Loan amount | Floating · Years 1–2 |
|---|---|
| S$500K–1M | 3M SORA + 0.30% |
| S$1M–1.5M | 3M SORA + 0.25% |
Rate data as of
02
Projects Under Construction
Floating packages only
| Loan amount | Floating · Years 1–2 |
|---|---|
| S$1M–1.5M | 3M SORA + 0.25% |
| S$1.5M+ | 3M SORA + 0.20% |
Rate data as of
What Our Clients Say
Different situations, the same peace of mind.
We asked three banks ourselves and got three different answers. ANJIA laid the packages side by side—rates, lock-in, fees—and the trade-offs were finally obvious.
As first-time buyers, we were unsure how to begin with the IPA. ANJIA helped us prepare and submit it at no charge, so we could confirm our budget before viewing homes.
The drawdown schedule for our new launch looked complicated. They mapped out the cash flow for every stage in advance, so nothing came as a surprise.
Start a Conversation
Chat with us directly, or leave your details and ask an advisor to follow up.
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What People Usually Ask First
Do clients pay ANJIA an advisory fee?
Clients do not pay any additional service fees. Our fee source is transparent: ANJIA receives a standard referral fee from the bank after a successful referral, and the fee structure is consistent across our partner banks. This allows us to compare applicable packages without favouring one bank over another.
When should I start preparing for refinancing?
Start about six months before your current package expires by locating the Letter of Offer and confirming the key dates and follow-on rate. Around three to four months before expiry, review your current bank’s repricing offer and compare other bank packages. Before switching, check the notice period, penalties, subsidy clawbacks and all fees. Refinancing an HDB loan with a bank usually takes about six to eight weeks, depending on the bank, law firm and the terms in your Letter of Offer.
What should I compare besides the advertised rate?
Review the lock-in period, rate structure after the promotional period, legal and valuation fees, early-repayment penalties, subsidy clawbacks and any bundled conditions. The lowest advertised rate may not produce the lowest overall cost.
What happens after I get in touch?
We first clarify your property type, loan amount, current package and priorities. We then compare applicable bank packages and explain the rates, terms, legal fees and other potential costs. You decide whether to proceed, and we coordinate the next steps with the bank.