The 12 Best Mortgage Brokers in Singapore

Redbrick suits buyers whose financing goes beyond a standard home loan. Besides new purchase loans and refinancing, it arranges home construction loans, bridging loans, equity loans and loans for commercial, industrial and overseas property. Its panel mixes local and foreign banks with a finance company, which widens the choice for unusual properties. Owners building or rebuilding a house can keep the construction loan and the later refinancing with the same adviser.

Mortgage Master is a practical choice for HDB and condo owners who mainly want to refinance at the right moment. Clients can sign up to be told when interest rates drop, and the website shows indicative rates for completed, under-construction and refinanced properties with the date they were updated. It works with 12 banking partners and is paid by the banks, so borrowers pay no broker fee. Partner law firms handle the conveyancing once a package is chosen.

DollarBack is aimed at owners refinancing a sizeable loan who want to collect the bank incentives on offer. It tracks one-, three- and six-month SORA on its website and works with 16 Singapore banks. For refinancing, it points clients to cash rewards and legal fee subsidies paid by participating banks, which depend on a minimum loan amount. New purchase loans for HDB flats, condos and projects under construction are also covered, starting with an in-principle approval.

KeyQuest suits buyers who want the paperwork handled as well as the rate comparison. After an eligibility check, it compares packages from 18 banks and narrows them down to three for each client. The team also arranges the valuation, the conveyancing lawyer and the submission of documents to the bank. Loans cover HDB flats, executive condominiums, condos and landed homes, as well as commercial and industrial property, construction, bridging and equity loans.

Aussie Expat Home Loans serves a narrow but sizeable group in Singapore: Australians who want to buy or refinance property back home. It arranges pre-approval, purchase loans and health checks of existing loans, and helps with currency exchange for the deposit. The firm holds Australian Credit Licence 509125 and is a member of the Australian Financial Complaints Authority. A free 30-minute first call lets expats understand their borrowing position before they start house-hunting.

Unbeatable Mortgage suits owners thinking about the whole cycle, from buying to eventually selling. Besides new home loans with in-principle approval and refinancing, it offers exit planning for owners preparing to sell. The website keeps fixed, floating and under-construction rate tables with recent SORA figures, and a short video explains how the process works. Consultations are free and carry no obligation, and the adviser is paid a referral fee by the receiving bank.

Ace Mortgage is convenient for buyers in the west who prefer to meet an adviser in person. Its office in Bukit Batok receives clients by appointment, and the team covers HDB loans for BTO and resale flats, condo and landed home loans, refinancing and commercial loans for shophouses and offices. Rate tables for fixed and floating packages are published on its website, and the service is free to borrowers. Contact is by enquiry form or WhatsApp on weekdays.

The Loan Connection suits couples and families restructuring ownership as well as financing a purchase. Alongside new loans, refinancing and bridging loans, it advises on decoupling and offers a calculator to work out the numbers. It explains that every bank pays it the same fee per loan, so its recommendation does not depend on which lender you choose. Buyers of projects under construction can use its progressive payment calculator to see how instalments rise during the build.

IQrate suits owners who would rather follow their loan in an app than wait for a broker's call. Its app, on iOS and Android, shows current rates and sends refinancing reminders as the lock-in end approaches. Advisers arrange private, HDB and under-construction home loans, refinancing and equity loans across 16 banks. Banks pay IQrate a referral fee once the loan is disbursed, so the borrower pays nothing for the service.

MortgageWise suits owners who want to plan a refinance or repricing well before their lock-in ends. Its alert system contacts clients about four months before the lock-in expires, and the website publishes rate tables with SORA data from MAS. It arranges loans for completed and under-construction homes, compares HDB loans with bank packages, and handles commercial and industrial loans in a personal or company name. The service is free because banks pay it a referral fee, which it explains openly.

Home Loan Whiz suits borrowers who want one adviser for the mortgage and the costs around it. Since 2012 it has arranged new home loans, refinancing, HDB loans and equity loans, along with no-TDSR loans, commercial property financing and loans for property abroad. The firm also offers mortgage insurance and renovation loans and connects clients with conveyancing lawyers. Its panel includes finance companies, which can matter when a borrower does not fit standard bank criteria.

Dream Home Singapore is useful for upgraders who need to buy before their current home is sold. It arranges bridging loans of up to six months to cover part of the down payment, along with purchase and refinancing loans for HDB and private homes. Restructuring options such as part purchase, cash-out and decoupling are also on offer. Its panel combines 16 banks with private funding companies, and most of the team are former bankers.