Banks

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6
Onwards

P.R./B.R./F.M.R
/H.S.B./S.B.R

DBS (I)
>$300K loan (Fixed Rate)

1.85% (Fxd)

(SMR-2.15%)

2.50%

(SMR-1.5%)

3.00%
(SMR-1.0%)

3.00%
(SMR-1.0%)

3.00%
(SMR-1.0%)

SMR-1.0%

4.0%(SMR)

DBS (II)
>$300K  (Floating Rate)

1.30%

(SMR-2.7%) 

2.50%

(SMR-1.5%) 

2.75%
(SMR-1.25%)

3.00%
(SMR-1.0%)

3.00%
(SMR-1.0%)

SMR-1.0%

4.0%(SMR)

OCBC (I)
Fixed Rate

2.00%(Fxd)

3.00%(Fxd)

3.00%
(VHR. - 2.5%)

3.00%
(VHR. - 2.5%)

3.00%
(VHR. - 2.5%)

5.5% (VHR)

5.5%(VHR)

OCBC (II)
Floating Rate

1.30%
(VHR - 4.20%)

2.50%
(VHR - 3.00%)

2.75%
(VHR - 2.75%)

3.00%
(VHR - 2.5%)

3.00%
(VHR - 2.5%)

5.5% (VHR)

5.5%(VHR)

UOB (I)
Fixed Rate

2.00% (Fxd)

3.00% (Fxd)

3.00%

(BR-2.5%)

3.00%

(BR-2.5%)

3.00%

(BR-2.5%)

3.00%

(BR-2.5%)

5.5% (BR)

UOB (II)
Floating Rate

1.30%

(BR-4.7%)

2.50%

(BR-3.5%)

2.75%

(BR-3.25%)

3.00%

(BR-3.0%)

3.00%

(BR-3.0%)

3.00%

(BR-3.0%)

6.00% (BR)

HSBC (l)
>= $300K

1.30%
(SHR - 2.20%)

2.20%
(SHR - 1.30%)

2.75%
(SHR - 0.75%)

3.00%
(SHR - 0.50%)

3.00%
(SHR - 0.50%)

3.00%
(SHR - 0.50%)

3.5%(SHR)

ABN AMRO (I)
Special Floating Rate

1.18%

1.88%

2.28%

3.00% 

3.00% 

3.00%(PBR)

3.00%(PBR)

ABN AMRO (I)
Floating Rate

1.55%

2.33%

2.33%

3.33% 

3.33% 

4.00%(PBR)

4.00%(PBR)

SCB
Mortgage One Housing/Equity Loan

1.20%
(MOER-2.30%)

>500k

1.35%

(MOER-2.15%)

<500k

2.35%
(MOER-1.15%)

>500k

2.60%

(MOER-0.90%)

<500k

2.75%
(MOER-0.75%)

>500k

2.75%

(MOER-0.75%)

<500k

3.50% 
(MOER)

3.50% 
(MOER)

3.50% 
(MOER)

3.50%(MOER)

SCB
Value Mortgage Rate Housing/Equity Loan

1.00%
(VMR-2.00%)

(0.3% rebate =>250k)

2.00%
(VMR-1.00%)

2.50%
(VMR-0.50%)

3.00% 
(VMR)

3.00% 
(VMR)

3.00% 
(VMR)

3.00%(VMR) 

Banks

Full Redemption

Partial Redemption

Legal Subsidy

Freebies

DBS

No penalty.

All upfront costs (legal+ fire insurance + valuation +cash incentive, if any) refundable if loan is fully redeemed within 3 years from 1st disbursement.

No penalty

0.4% of loan amt subject to max $3,000/-

1st year Free fire insurance.
Free valuation.

Free processing

OCBC

No penalty.

All upfront costs (legal+ fire insurance + valuation +cash incentive, if any) refundable if loan is fully redeemed within 3 years from 1st disbursement.

No penalty.

0.4% of loan amt above $400K.

1st year Free fire insurance.
Lowest Bridging loan rate at Prime.
Free $10k worth of Home Contents Plan coverage throughout the loan tenor.
Free Valuation and Processing Fee.

UOB

1% on amount redeemed within 2 years from date of first loan disbursement- waived if due to sale of property

No penalty.

0.4% of loan amt subject to max $3,000/- .

1st year Free fire insurance.

HSBC

Floating Rates - None

Legal subsidy + cash incentive, if any, subject to full refund if loan is fully redeemed within the 1st 3 years.

Floating Rates - None

0.4% of HL amt or $3500/-, whichever is lower.

Free Fire Insurance for first year.

24-hour Home assistance for emergency repairs at no extra cost
Free valuation

First year waiver for credit card and personal line of credit

ABN AMRO

No penalty.

All upfront costs (legal+ fire insurance + valuation +cash incentive, if any) refundable if loan is fully redeemed within 3 years from 1st disbursement.

No penalty.

0.3% of loan amt subject to max $3,000/- .

Free Processing

Free Valuation

1st year Free fire insurance

SCB

1% on outstanding loan amount (plus any undisbursed amount) for 1st year. (not applicable  VMR package)

All upfront costs (legal+ fire insurance + valuation +cash incentive, if any) refundable if loan is fully redeemed within 3 years from 1st disbursement.

1% on amount prepaid within the 1st year. (not applicable to VMR package)

0.4% of loan amt subject to max $3,000/- .

Free fire insurance for 1 yr.

Free valuation
Current account pegged to HL will earn the same interest rate as HL rate to offset HL interest.
Loan Size: > $300K

* The above rates, and terms and conditions are subject to changes without notification.
* Loan Matters Pte Ltd disclaims any liability for any loss as a result of any error or omission excepted.