{"id":235,"date":"2025-07-29T13:54:35","date_gmt":"2025-07-29T05:54:35","guid":{"rendered":"http:\/\/52.74.153.109\/?page_id=235"},"modified":"2026-05-05T10:05:18","modified_gmt":"2026-05-05T02:05:18","slug":"private-property-loan","status":"publish","type":"page","link":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/private-property-loan\/","title":{"rendered":"Private Property Loan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"235\" class=\"elementor elementor-235\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a112a9 e-flex e-con-boxed e-con e-parent\" data-id=\"5a112a9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bb5f01d e-con-full e-flex e-con e-child\" data-id=\"bb5f01d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bdbe9cb elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"bdbe9cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Our Services<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15fd482 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"15fd482\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Best Housing Loan for Your Condo or Landed Private Property in Singapore<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b9ddd8 e-flex e-con-boxed e-con e-parent\" data-id=\"7b9ddd8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b02ed4e e-con-full e-flex e-con e-child\" data-id=\"b02ed4e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53d75b3 e-con-full e-flex e-con e-child\" data-id=\"53d75b3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7600bf2 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"7600bf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Understanding How Private Property Bank Loans Work in Singapore<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53baece elementor-widget elementor-widget-text-editor\" data-id=\"53baece\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Buying a private property in Singapore is a significant investment, and securing the right housing loan is crucial. Here&#8217;s a breakdown of the key elements involved in private property home loans:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d19443 elementor-widget elementor-widget-n-accordion\" data-id=\"3d19443\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6400\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-6400\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Option Fee <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6400\" class=\"elementor-element elementor-element-119548f e-con-full e-flex e-con e-child\" data-id=\"119548f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cd1428 elementor-widget elementor-widget-text-editor\" data-id=\"6cd1428\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>When you decide on a property, you&#8217;ll typically pay an option fee to the seller to reserve it. This fee is usually around 1% of the purchase price and is non-refundable. It gives you exclusive rights to purchase the property within a specified option period, usually around 14 days. During this time, you can conduct due diligence, secure financing, and finalise your decision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6401\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6401\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Down Payment <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6401\" class=\"elementor-element elementor-element-71d6221 e-con-full e-flex e-con e-child\" data-id=\"71d6221\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9dabe50 elementor-widget elementor-widget-text-editor\" data-id=\"9dabe50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The down payment is the portion of the purchase price you pay upfront. For a private property in Singapore, the minimum down payment is typically 25% of the purchase price. At least 5% of the purchase price must be paid in cash, while the remaining 20% can be paid using a combination of cash and your CPF Ordinary Account (OA) savings. The balance amount for the property will be financed through a bank loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6402\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6402\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Bridging Loan <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6402\" class=\"elementor-element elementor-element-e98bd00 e-con-full e-flex e-con e-child\" data-id=\"e98bd00\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f873d71 elementor-widget elementor-widget-text-editor\" data-id=\"f873d71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A bridging loan is a short-term loan that helps you bridge the financial gap between buying a new property and selling your existing one. It provides funds to cover the down payment and initial costs of your new property before you receive proceeds from the sale of your current property. This can be helpful if you need to move into your new home before your old one is sold.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6403\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6403\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Lock-in Period <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6403\" class=\"elementor-element elementor-element-3bfdf85 e-con-full e-flex e-con e-child\" data-id=\"3bfdf85\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-746eff6 elementor-widget elementor-widget-text-editor\" data-id=\"746eff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A lock-in period is a specific duration during which you cannot <a href=\"#\">refinance or reprice<\/a> your housing loan with another lender without incurring a penalty. Lock-in periods typically range from one to three years. It&#8217;s essential to consider the lock-in period when choosing a home loan package for your private property, as it can affect your <a href=\"#\">flexibility to switch to a more favourable loan<\/a> in the future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6404\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6404\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Interest Rate <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6404\" class=\"elementor-element elementor-element-111042b e-con-full e-flex e-con e-child\" data-id=\"111042b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6404\" class=\"elementor-element elementor-element-3aafb78 e-con-full e-flex e-con e-child\" data-id=\"3aafb78\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a24920f elementor-widget elementor-widget-text-editor\" data-id=\"a24920f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Private property home loan interest rates can be fixed or variable (floating).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b982e84 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b982e84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Fixed Interest Rates:<\/b> These provide stability and predictability as your monthly repayments remain the same throughout the fixed rate period.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Variable Interest Rates:<\/b>  These fluctuate based on market benchmarks like the Singapore Interbank Offered Rate (SIBOR) or the Singapore Overnight Rate Average (SORA). While variable rates can be lower than fixed rates initially, they can also rise, increasing your monthly repayments.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6405\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6405\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Legal Fees, BSD and ABSD <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6405\" class=\"elementor-element elementor-element-60410ce e-con-full e-flex e-con e-child\" data-id=\"60410ce\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e5a9c66 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e5a9c66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Legal Fees:<\/b> You'll need to engage a lawyer to handle the legal aspects of the property purchase. Legal fees typically range from 0.8% to 1.5% of the purchase price.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Buyer's Stamp Duty (BSD):<\/b> This is a tax payable on the purchase of any property in Singapore. The BSD amount varies based on the purchase price of the property.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Additional Buyer's Stamp Duty (ABSD):<\/b> Singapore citizens may be liable for ABSD if they are purchasing their second or subsequent property. Foreigners and entities are also subject to ABSD.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c54c882 e-flex e-con-boxed e-con e-parent\" data-id=\"c54c882\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-cda63c3 e-flex e-con-boxed e-con e-child\" data-id=\"cda63c3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b123037 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"b123037\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Eligibility for a Private Property Housing Loan in Singapore<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-983ae3a elementor-widget elementor-widget-text-editor\" data-id=\"983ae3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Before you start your property search, it&#8217;s important to understand the eligibility criteria for a private property home loan. Lenders assess various factors to determine your loan eligibility and the amount you can borrow. Here&#8217;s an overview of the key requirements:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63d73a4 e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"63d73a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"104690596\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-1046905961\" data-tab-title-id=\"e-n-tab-title-1046905961\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-1046905961\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tMinimum Age\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1046905962\" data-tab-title-id=\"e-n-tab-title-1046905962\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1046905962\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tLoan-to-Value (LTV) Limits\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1046905963\" data-tab-title-id=\"e-n-tab-title-1046905963\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1046905963\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tCredit Score\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1046905964\" data-tab-title-id=\"e-n-tab-title-1046905964\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1046905964\" style=\"--n-tabs-title-order: 4;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tIncome Requirement\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1046905965\" data-tab-title-id=\"e-n-tab-title-1046905965\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1046905965\" style=\"--n-tabs-title-order: 5;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tTotal Debt Servicing Ratio (TDSR)\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-1046905961\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1046905961\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-53a2136 e-con-full e-flex e-con e-child\" data-id=\"53a2136\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-efedfbb e-flex e-con-boxed e-con e-child\" data-id=\"efedfbb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4bb8f3e e-con-full e-flex e-con e-child\" data-id=\"4bb8f3e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23cc3c9 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"23cc3c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_520282750-scaled.jpg\" class=\"attachment-full size-full wp-image-4797\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_520282750-scaled.jpg 2560w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_520282750-300x200.jpg 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_520282750-1024x683.jpg 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_520282750-768x512.jpg 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_520282750-1536x1024.jpg 1536w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_520282750-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-479d143 e-con-full e-flex e-con e-child\" data-id=\"479d143\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a641316 elementor-widget elementor-widget-text-editor\" data-id=\"a641316\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You must be at least 21 years old to apply for a private property home loan in Singapore. This is because you need to be of legal age to enter into a legally binding loan agreement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1046905962\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1046905962\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-f5f70e1 e-con-full e-flex e-con e-child\" data-id=\"f5f70e1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-3cd2e31 e-flex e-con-boxed e-con e-child\" data-id=\"3cd2e31\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c3c86c1 e-con-full e-flex e-con e-child\" data-id=\"c3c86c1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7916f9a elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"7916f9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_1105112260-scaled.jpg\" class=\"attachment-full size-full wp-image-4802\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_1105112260-scaled.jpg 2560w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_1105112260-300x200.jpg 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_1105112260-1024x683.jpg 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_1105112260-768x512.jpg 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_1105112260-1536x1024.jpg 1536w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_1105112260-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f8e7a7 e-con-full e-flex e-con e-child\" data-id=\"4f8e7a7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7eb9ac9 elementor-widget elementor-widget-text-editor\" data-id=\"7eb9ac9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The LTV limit refers to the maximum percentage of the property value that you can borrow. This limit varies depending on whether it&#8217;s your first, second, or subsequent property purchase.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abc2abf elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"abc2abf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>1st Property:<\/b> The LTV limit for your first property is 75%. This means you need to make a down payment of at least 25% of the purchase price.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>2nd Property:<\/b> The LTV limit for your second property is 45%. This requires a larger down payment of at least 55%.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>3rd and Subsequent Properties:<\/b> The LTV limit for third and subsequent properties is further reduced to 35%, requiring a down payment of at least 65%.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b1d88d elementor-widget elementor-widget-text-editor\" data-id=\"5b1d88d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>These LTV limits are set by the Monetary Authority of Singapore (MAS) to promote financial prudence and ensure borrowers don&#8217;t overextend themselves.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1046905963\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1046905963\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-da6d660 e-con-full e-flex e-con e-child\" data-id=\"da6d660\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-5d3617b e-flex e-con-boxed e-con e-child\" data-id=\"5d3617b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d36242a e-con-full e-flex e-con e-child\" data-id=\"d36242a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9250e4 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"a9250e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_608720546-scaled.jpg\" class=\"attachment-full size-full wp-image-2412\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_608720546-scaled.jpg 2560w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_608720546-300x200.jpg 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_608720546-1024x683.jpg 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_608720546-768x512.jpg 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_608720546-1536x1024.jpg 1536w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_608720546-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f59dc71 e-con-full e-flex e-con e-child\" data-id=\"f59dc71\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e7c6397 elementor-widget elementor-widget-text-editor\" data-id=\"e7c6397\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your credit score plays a crucial role in your bank loan application for your private property. Lenders use your credit score to assess your creditworthiness and determine the interest rate you&#8217;ll be offered. A higher credit score generally leads to more favourable loan terms and lower interest rates. You can obtain a free copy of your credit report from the Credit Bureau Singapore to check your score and review your credit history.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1046905964\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1046905964\" data-tab-index=\"4\" style=\"--n-tabs-title-order: 4;\" class=\" elementor-element elementor-element-de015f3 e-con-full e-flex e-con e-child\" data-id=\"de015f3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-389a46e e-flex e-con-boxed e-con e-child\" data-id=\"389a46e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f2eaf22 e-con-full e-flex e-con e-child\" data-id=\"f2eaf22\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7421237 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"7421237\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_393854751-scaled.jpg\" class=\"attachment-full size-full wp-image-4793\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_393854751-scaled.jpg 2560w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_393854751-300x200.jpg 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_393854751-1024x683.jpg 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_393854751-768x512.jpg 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_393854751-1536x1024.jpg 1536w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_393854751-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-316ad76 e-con-full e-flex e-con e-child\" data-id=\"316ad76\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc7c153 elementor-widget elementor-widget-text-editor\" data-id=\"dc7c153\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Lenders assess your income to ensure you have the financial capacity to repay the bank loan for your private property. They will typically consider your gross monthly income, including your base salary, bonuses, commissions, and other regular income sources.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1046905965\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1046905965\" data-tab-index=\"5\" style=\"--n-tabs-title-order: 5;\" class=\" elementor-element elementor-element-1384003 e-con-full e-flex e-con e-child\" data-id=\"1384003\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-6fd619e e-flex e-con-boxed e-con e-child\" data-id=\"6fd619e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0a2110e e-con-full e-flex e-con e-child\" data-id=\"0a2110e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7cf414 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"c7cf414\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2304\" height=\"1536\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_287424310.jpg\" class=\"attachment-full size-full wp-image-2371\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_287424310.jpg 2304w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_287424310-300x200.jpg 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_287424310-1024x683.jpg 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_287424310-768x512.jpg 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_287424310-1536x1024.jpg 1536w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_287424310-2048x1365.jpg 2048w\" sizes=\"(max-width: 2304px) 100vw, 2304px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f65496 e-con-full e-flex e-con e-child\" data-id=\"7f65496\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30baa31 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"30baa31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The TDSR is a framework implemented by MAS to ensure borrowers do not take on excessive debt. It limits the amount you can spend on monthly debt repayments to 60% of your gross monthly income. This includes your mortgage repayments, car loans, personal loans, and credit card bills. Lenders use the TDSR to assess your overall debt obligations and ensure you can comfortably manage your loan repayments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d3c5f48 e-flex e-con-boxed e-con e-parent\" data-id=\"d3c5f48\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-cb6d8d2 e-flex e-con-boxed e-con e-child\" data-id=\"cb6d8d2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eeca06c elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"eeca06c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fixed Rate vs. Floating Rate Home Loans: Which is Right for You?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2869b21 elementor-widget elementor-widget-text-editor\" data-id=\"2869b21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Choosing between a <a href=\"#\">fixed rate and a floating rate home loan is a crucial decision<\/a>. Both options have their own advantages and disadvantages, and the best choice for you will depend on your individual circumstances, risk tolerance, and financial goals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-96ff545 e-flex e-con-boxed e-con e-child\" data-id=\"96ff545\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8600ccf e-con-full e-flex e-con e-child\" data-id=\"8600ccf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-712eaec elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"712eaec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1709\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_292644322-scaled.jpg\" class=\"attachment-full size-full wp-image-2390\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_292644322-scaled.jpg 2560w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_292644322-300x200.jpg 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_292644322-1024x683.jpg 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_292644322-768x513.jpg 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_292644322-1536x1025.jpg 1536w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_292644322-2048x1367.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa537f elementor-widget elementor-widget-n-accordion\" data-id=\"3aa537f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6140\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-6140\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is a fixed rate home loan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6140\" class=\"elementor-element elementor-element-02eff54 e-con-full e-flex e-con e-child\" data-id=\"02eff54\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-354668d elementor-widget elementor-widget-text-editor\" data-id=\"354668d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A fixed rate home loan offers an interest rate that remains constant for a specific period, typically one to five years. This provides stability and predictability, as your monthly repayments will stay the same throughout the fixed rate period, regardless of market fluctuations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6141\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6141\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does a fixed rate home loan work? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6141\" class=\"elementor-element elementor-element-2a31ed0 e-con-full e-flex e-con e-child\" data-id=\"2a31ed0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef938a4 elementor-widget elementor-widget-text-editor\" data-id=\"ef938a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>When you opt for a fixed rate housing loan for your private property, you &#8220;lock in&#8221; an interest rate for the agreed-upon duration. This protects you from potential interest rate hikes during that period. However, if interest rates fall, you won&#8217;t benefit from lower repayments. After the fixed rate period ends, your loan will typically revert to a floating rate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6142\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6142\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> When to choose a fixed interest rate home loan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6142\" class=\"elementor-element elementor-element-97d31f4 e-con-full e-flex e-con e-child\" data-id=\"97d31f4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5afb89f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5afb89f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Peace of mind:<\/b> If you value stability and predictability in your monthly repayments, a fixed rate loan can provide peace of mind, knowing your repayments won't increase even if market interest rates rise.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Rising interest rate environment:<\/b> If you anticipate interest rates to increase in the future, a fixed rate loan allows you to lock in a lower rate and protect yourself from potential increases.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Tight budget:<\/b> If you have a tight budget and need certainty in your monthly expenses, a fixed rate loan can help you plan your finances effectively.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-283ac27 e-con-full e-flex e-con e-child\" data-id=\"283ac27\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5949b22 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"5949b22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_126712330-scaled.jpg\" class=\"attachment-full size-full wp-image-2366\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_126712330-scaled.jpg 2560w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_126712330-300x200.jpg 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_126712330-1024x683.jpg 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_126712330-768x512.jpg 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_126712330-1536x1024.jpg 1536w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_126712330-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c82afbc elementor-widget elementor-widget-n-accordion\" data-id=\"c82afbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2090\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2090\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is a floating rate home loan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2090\" class=\"elementor-element elementor-element-d41eaf9 e-con-full e-flex e-con e-child\" data-id=\"d41eaf9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc0172e elementor-widget elementor-widget-text-editor\" data-id=\"fc0172e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A floating rate home loan, also known as a variable rate loan, has an interest rate that fluctuates based on a benchmark interest rate, such as the Singapore Overnight Rate Average (SORA). This means your monthly repayments to the bank for your private property can go up or down over time.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2091\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2091\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does a floating rate home loan work? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2091\" class=\"elementor-element elementor-element-b70a24b e-con-full e-flex e-con e-child\" data-id=\"b70a24b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b6f1fa elementor-widget elementor-widget-text-editor\" data-id=\"4b6f1fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The interest rate on a floating rate loan is typically pegged to SORA plus a spread (a fixed percentage determined by the lender). As SORA fluctuates, your interest rate and monthly repayments will adjust accordingly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2092\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2092\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> When to choose a floating interest rate home loan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2092\" class=\"elementor-element elementor-element-04547e3 e-con-full e-flex e-con e-child\" data-id=\"04547e3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6af9de elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e6af9de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Potentially lower interest rates:<\/b> Floating rates can be lower than fixed rates, especially in a declining interest rate environment. This can lead to lower monthly repayments.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Flexibility:<\/b> Floating rate loans often offer more flexibility, such as allowing for partial prepayments without penalty.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Shorter loan tenure:<\/b> If you plan to repay your loan quickly, a floating rate loan might be a suitable option as you'll have less time to be affected by potential interest rate increases.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f72a3c e-flex e-con-boxed e-con e-parent\" data-id=\"6f72a3c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-919e4bb e-con-full e-flex e-con e-child\" data-id=\"919e4bb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-429ac77 e-con-full e-flex e-con e-child\" data-id=\"429ac77\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-b060a0c e-con-full e-flex e-con e-child\" data-id=\"b060a0c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d2164f elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"8d2164f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">2025 Best Private Condo \/ Landed-Property Loan Rate in Singapore\n<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b058271 e-con-full e-flex e-con e-child\" data-id=\"b058271\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-89c5836 e-con-full e-flex e-con e-child\" data-id=\"89c5836\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-6242ccb e-con-full e-flex e-con e-child\" data-id=\"6242ccb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-814bc8d elementor-widget elementor-widget-icon-box\" data-id=\"814bc8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLoan Amount\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSGD 1,200,000\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28d1bb9 elementor-widget elementor-widget-icon-box\" data-id=\"28d1bb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLoan Tenor\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t30 years\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-330a8d3 elementor-align-justify elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"330a8d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6Ijc5MzAiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Enquire Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f80eb90 e-con-full e-flex e-con e-parent\" data-id=\"f80eb90\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2246856 elementor-widget elementor-widget-template\" data-id=\"2246856\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3543\" class=\"elementor elementor-3543\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58c47abb e-flex e-con-boxed e-con e-parent\" data-id=\"58c47abb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2eeb028e e-con-full e-flex e-con e-child\" data-id=\"2eeb028e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-786993af elementor-widget elementor-widget-heading\" data-id=\"786993af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Available Home Loan Packages as of September 2025\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cbc34a8 elementor-widget elementor-widget-heading\" data-id=\"5cbc34a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">56 results found \u2502 Banks will be disclosed during consultation<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0653064 elementor-widget elementor-widget-shortcode\" data-id=\"0653064\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"loan-slider loan-holder\"><div class=\"slide\">\r\n\t\t\r\n            <div class=\"loanholder\">\r\n\r\n                <div class=\"heading-loan\">\r\n                    <img decoding=\"async\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/Color-Horizontal-Mortgage-Master-Logo-scaled.png\" alt=\"Mortgage Master Logo\" style=\"max-width:150px;\">\n                    <span>1 Year Fixed (With 200K Deposit)<\/span>\r\n                <\/div>\r\n\r\n                <div class=\"mid-content\">\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Interest<\/span>\r\n                            <span>1.35 %<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Monthly Installment<\/span>\r\n                            <span>4.06K<\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>Loan Tenor<\/span>\r\n                            <span>30 years<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>Three Year Average Interest<\/span>\r\n                            <span>1.55 % <\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                <\/div>\r\n\r\n                <div class=\"description-holder\">\r\n                    <ul>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i> Fixed interest rates<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>2 year lock-in<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>(Minimum loan amount requirement applies)<br>\n(Must fund 200K before loan disbursement)<br>\nYear 1: 1.35% Fixed<br>\nYear 2: 1M SORA + 0.35%<br>\nYear 3: 1M SORA + 0.40%<br>\nThereafter: 1M SORA + 1.00%<br>\n- One free conversion after 12 months<br>\nCash rebate For refinancing only<br>\nLoan amount above 600K - $3,500<\/li>\r\n                    <\/ul>\r\n                <\/div>\r\n\r\n                <div class=\"footer-bottom-content\">\r\n                    <a class=\"showmorebtn\">Show more<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t <a href=\"\/loan-results\/?loan_amount=1200000&loan_type=Refinancing&property_type=Private-1&property_status=Completed&interest_type=Both&tenor=30\" >\r\n                        Find Out More\r\n                    \t<\/a>\r\n\t\t\t\t\t                <\/div>\r\n\r\n            <\/div>\r\n\r\n            <div id=\"loan-popup-1\" class=\"mfp-hide loan-popup-content\">\r\n\t\t\t\t<div class=\"heading-popup\">\r\n\t\t\t\t\t<h2>\r\n\t\t\t\t\t\tOur consultants are standing by!\r\n\t\t\t\t\t<\/h2>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"info-loan-holder\">\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Amount<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">SGD1200000<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Tenor<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">30 Years<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Type<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\"><\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t\t\t \r\n\t\t\t\t\t<div class=\"loan-information\">\r\n\t\t\t\t\t\t<div class=\"heading-loan\">\r\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/Color-Horizontal-Mortgage-Master-Logo-scaled.png\" alt=\"Mortgage Master Logo\" style=\"max-width:150px;\">\n\t\t\t\t\t\t\t<span>1 Year Fixed (With 200K Deposit)<\/span>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t \t<div class=\"mid-content1\">\r\n\r\n                    \t\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.35 %<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Monthly Installment<\/span>\r\n\t\t\t\t\t\t\t\t<span>4.06K<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Loan Tenor<\/span>\r\n\t\t\t\t\t\t\t\t<span>30 years<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Three Year Average Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.55 % <\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t<div class=\"form-holder\">\r\n\t\t\t\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f7407-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"7407\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/pages\/235#wpcf7-f7407-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"7407\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f7407-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><label> Full Name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Phone number<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"PhoneNumber\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"PhoneNumber\" \/><\/span> <\/label>\n<\/p>\n<input class=\"wpcf7-form-control wpcf7-hidden first-year-interest\" value=\"\" type=\"hidden\" name=\"FirstYearInterest\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-schema-value\" value=\"\" type=\"hidden\" name=\"LoanSchema\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-amount\" value=\"\" type=\"hidden\" name=\"loanamount\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden monthly-installement\" value=\"\" type=\"hidden\" name=\"monthlyinstallement\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-tenor\" value=\"\" type=\"hidden\" name=\"loantenor\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-type\" value=\"\" type=\"hidden\" name=\"loantype\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden three-years-average\" value=\"\" type=\"hidden\" name=\"threeyearsaverage\" \/>\n<p><span id=\"wpcf7-6aa8079073527-wrapper\" class=\"wpcf7-form-control-wrap honeypot-381-wrap\" data-cf7apps-honeypot=\"honeypot-381\" style=\"display: block;\n\t\t    width: 0px;\n\t\t    height: 0px;\n\t\t    padding: 0px;\n\t\t    border: 1px solid transparent;\n\t\t    display: block;\n\t\t    overflow: hidden;\n\t\t    \"><input type=\"hidden\" name=\"honeypot-381-random-hash\" value=\"52514514\"><label\n\t\t    for=\"wpcf7-6aa8079073527-field\"\n\t\t    class=\"hp-message\"\n        >Please leave this field empty.<\/label><input\n\t    id=\"wpcf7-6aa8079073527-field\"\n\t    \n\t    class=\"wpcf7-form-control wpcf7-text\"\n\t    type=\"text\"\n\t    name=\"rgna0iwr4i30\"\n\t    value=\"\"\n\t    size=\"40\"\n\t    autocomplete=\"new-password\"\n\t    tabindex=\"1000\"\n    \/><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enquire Now\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n            <\/div>\r\n\r\n\r\n    <\/div><div class=\"slide\">\r\n\t\t\r\n            <div class=\"loanholder\">\r\n\r\n                <div class=\"heading-loan\">\r\n                    <img decoding=\"async\" src=\"https:\/\/mortgagemaster-files.s3.ap-southeast-1.amazonaws.com\/files\/Bank%20Logos\/Standard-Chartered-logo.png\" alt=\"Bank Logo\" style=\"max-width:150px;\">\n                    <span>1 Year Fixed (With 200K Fresh Funds)<\/span>\r\n                <\/div>\r\n\r\n                <div class=\"mid-content\">\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Interest<\/span>\r\n                            <span>1.35 %<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Monthly Installment<\/span>\r\n                            <span>4.06K<\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>Loan Tenor<\/span>\r\n                            <span>30 years<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>Three Year Average Interest<\/span>\r\n                            <span>1.55 % <\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                <\/div>\r\n\r\n                <div class=\"description-holder\">\r\n                    <ul>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i> Fixed interest rates<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>2 year lock-in<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>(Minimum loan amount requirement applies)<br>\n(Must deposit 200K fresh funds for 6 months)<br>\nYear 1: 1.35% Fixed<br>\nYear 2: 1M SORA + 0.35%<br>\nYear 3: 1M SORA + 0.40%<br>\nYear 4: 1M SORA + 0.50%<br>\nThereafter: 1M SORA + 0.90%<br>\n- One free conversion after 12 months<br>\n- Up to 50% partial repayment is allowed after 12 months<br>\n- Waiver due to sale after 12 months<br>\nLegal subsidy for refinancing only<br>\nLoan amount above 500K - $1,800<br>\nValuation subsidy for refinancing only <br>\nLoan amount above 500K - $350<br>\nLoan amount above 1.0M - $500<\/li>\r\n                    <\/ul>\r\n                <\/div>\r\n\r\n                <div class=\"footer-bottom-content\">\r\n                    <a class=\"showmorebtn\">Show more<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t <a href=\"\/loan-results\/?loan_amount=1200000&loan_type=Refinancing&property_type=Private-1&property_status=Completed&interest_type=Both&tenor=30\" >\r\n                        Find Out More\r\n                    \t<\/a>\r\n\t\t\t\t\t                <\/div>\r\n\r\n            <\/div>\r\n\r\n            <div id=\"loan-popup-2\" class=\"mfp-hide loan-popup-content\">\r\n\t\t\t\t<div class=\"heading-popup\">\r\n\t\t\t\t\t<h2>\r\n\t\t\t\t\t\tOur consultants are standing by!\r\n\t\t\t\t\t<\/h2>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"info-loan-holder\">\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Amount<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">SGD1200000<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Tenor<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">30 Years<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Type<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\"><\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t\t\t \r\n\t\t\t\t\t<div class=\"loan-information\">\r\n\t\t\t\t\t\t<div class=\"heading-loan\">\r\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mortgagemaster-files.s3.ap-southeast-1.amazonaws.com\/files\/Bank%20Logos\/Standard-Chartered-logo.png\" alt=\"Bank Logo\" style=\"max-width:150px;\">\n\t\t\t\t\t\t\t<span>1 Year Fixed (With 200K Fresh Funds)<\/span>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t \t<div class=\"mid-content1\">\r\n\r\n                    \t\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.35 %<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Monthly Installment<\/span>\r\n\t\t\t\t\t\t\t\t<span>4.06K<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Loan Tenor<\/span>\r\n\t\t\t\t\t\t\t\t<span>30 years<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Three Year Average Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.55 % <\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t<div class=\"form-holder\">\r\n\t\t\t\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f7407-o2\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"7407\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/pages\/235#wpcf7-f7407-o2\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"7407\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f7407-o2\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><label> Full Name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Phone number<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"PhoneNumber\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"PhoneNumber\" \/><\/span> <\/label>\n<\/p>\n<input class=\"wpcf7-form-control wpcf7-hidden first-year-interest\" value=\"\" type=\"hidden\" name=\"FirstYearInterest\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-schema-value\" value=\"\" type=\"hidden\" name=\"LoanSchema\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-amount\" value=\"\" type=\"hidden\" name=\"loanamount\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden monthly-installement\" value=\"\" type=\"hidden\" name=\"monthlyinstallement\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-tenor\" value=\"\" type=\"hidden\" name=\"loantenor\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-type\" value=\"\" type=\"hidden\" name=\"loantype\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden three-years-average\" value=\"\" type=\"hidden\" name=\"threeyearsaverage\" \/>\n<p><span id=\"wpcf7-6aa8079074264-wrapper\" class=\"wpcf7-form-control-wrap honeypot-381-wrap\" data-cf7apps-honeypot=\"honeypot-381\" style=\"display: block;\n\t\t    width: 0px;\n\t\t    height: 0px;\n\t\t    padding: 0px;\n\t\t    border: 1px solid transparent;\n\t\t    display: block;\n\t\t    overflow: hidden;\n\t\t    \"><input type=\"hidden\" name=\"honeypot-381-random-hash\" value=\"60441786\"><label\n\t\t    for=\"wpcf7-6aa8079074264-field\"\n\t\t    class=\"hp-message\"\n        >Please leave this field empty.<\/label><input\n\t    id=\"wpcf7-6aa8079074264-field\"\n\t    \n\t    class=\"wpcf7-form-control wpcf7-text\"\n\t    type=\"text\"\n\t    name=\"v1hngjrz3s33\"\n\t    value=\"\"\n\t    size=\"40\"\n\t    autocomplete=\"new-password\"\n\t    tabindex=\"1000\"\n    \/><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enquire Now\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n            <\/div>\r\n\r\n\r\n    <\/div><div class=\"slide\">\r\n\t\t\r\n            <div class=\"loanholder\">\r\n\r\n                <div class=\"heading-loan\">\r\n                    <img decoding=\"async\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/Color-Horizontal-Mortgage-Master-Logo-scaled.png\" alt=\"Mortgage Master Logo\" style=\"max-width:150px;\">\n                    <span>3-Month SORA<\/span>\r\n                <\/div>\r\n\r\n                <div class=\"mid-content\">\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Interest<\/span>\r\n                            <span>1.39 %<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Monthly Installment<\/span>\r\n                            <span>4.08K<\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>Loan Tenor<\/span>\r\n                            <span>30 years<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>Three Year Average Interest<\/span>\r\n                            <span>1.54 % <\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                <\/div>\r\n\r\n                <div class=\"description-holder\">\r\n                    <ul>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i> Floating interest rates<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>2 year lock-in<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>(Minimum loan amount requirement applies)<br>\nYear 1: 3M SORA + 0.20%<br>\nYear 2: 3M SORA + 0.20%<br>\nYear 3: 3M SORA + 0.65%<br>\nThereafter: 3M SORA + 0.75%<br>\n- One free conversion after 12 months<br>\n- Up to 20% partial repayment is allowed per year during lock in<br>\n- 50% waiver due to sales and refund another 50% if client takes the same or higher loan amount within 6 months<br>\nCash rebate for refinancing only<br>\nPrivate Loan amount above 450K - $2,000<br>\nPrivate Loan amount above 1.0M - $2,500<br>\nHDB loan amount above 250K - $2,000<\/li>\r\n                    <\/ul>\r\n                <\/div>\r\n\r\n                <div class=\"footer-bottom-content\">\r\n                    <a class=\"showmorebtn\">Show more<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t <a href=\"\/loan-results\/?loan_amount=1200000&loan_type=Refinancing&property_type=Private-1&property_status=Completed&interest_type=Both&tenor=30\" >\r\n                        Find Out More\r\n                    \t<\/a>\r\n\t\t\t\t\t                <\/div>\r\n\r\n            <\/div>\r\n\r\n            <div id=\"loan-popup-3\" class=\"mfp-hide loan-popup-content\">\r\n\t\t\t\t<div class=\"heading-popup\">\r\n\t\t\t\t\t<h2>\r\n\t\t\t\t\t\tOur consultants are standing by!\r\n\t\t\t\t\t<\/h2>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"info-loan-holder\">\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Amount<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">SGD1200000<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Tenor<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">30 Years<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Type<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\"><\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t\t\t \r\n\t\t\t\t\t<div class=\"loan-information\">\r\n\t\t\t\t\t\t<div class=\"heading-loan\">\r\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/Color-Horizontal-Mortgage-Master-Logo-scaled.png\" alt=\"Mortgage Master Logo\" style=\"max-width:150px;\">\n\t\t\t\t\t\t\t<span>3-Month SORA<\/span>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t \t<div class=\"mid-content1\">\r\n\r\n                    \t\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.39 %<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Monthly Installment<\/span>\r\n\t\t\t\t\t\t\t\t<span>4.08K<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Loan Tenor<\/span>\r\n\t\t\t\t\t\t\t\t<span>30 years<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Three Year Average Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.54 % <\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t<div class=\"form-holder\">\r\n\t\t\t\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f7407-o3\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"7407\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/pages\/235#wpcf7-f7407-o3\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"7407\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f7407-o3\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><label> Full Name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Phone number<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"PhoneNumber\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"PhoneNumber\" \/><\/span> <\/label>\n<\/p>\n<input class=\"wpcf7-form-control wpcf7-hidden first-year-interest\" value=\"\" type=\"hidden\" name=\"FirstYearInterest\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-schema-value\" value=\"\" type=\"hidden\" name=\"LoanSchema\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-amount\" value=\"\" type=\"hidden\" name=\"loanamount\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden monthly-installement\" value=\"\" type=\"hidden\" name=\"monthlyinstallement\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-tenor\" value=\"\" type=\"hidden\" name=\"loantenor\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-type\" value=\"\" type=\"hidden\" name=\"loantype\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden three-years-average\" value=\"\" type=\"hidden\" name=\"threeyearsaverage\" \/>\n<p><span id=\"wpcf7-6aa8079074fb4-wrapper\" class=\"wpcf7-form-control-wrap honeypot-381-wrap\" data-cf7apps-honeypot=\"honeypot-381\" style=\"display: block;\n\t\t    width: 0px;\n\t\t    height: 0px;\n\t\t    padding: 0px;\n\t\t    border: 1px solid transparent;\n\t\t    display: block;\n\t\t    overflow: hidden;\n\t\t    \"><input type=\"hidden\" name=\"honeypot-381-random-hash\" value=\"46071424\"><label\n\t\t    for=\"wpcf7-6aa8079074fb4-field\"\n\t\t    class=\"hp-message\"\n        >Please leave this field empty.<\/label><input\n\t    id=\"wpcf7-6aa8079074fb4-field\"\n\t    \n\t    class=\"wpcf7-form-control wpcf7-text\"\n\t    type=\"text\"\n\t    name=\"sda45w0h50mg\"\n\t    value=\"\"\n\t    size=\"40\"\n\t    autocomplete=\"new-password\"\n\t    tabindex=\"1000\"\n    \/><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enquire Now\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n            <\/div>\r\n\r\n\r\n    <\/div><div class=\"slide\">\r\n\t\t\r\n            <div class=\"loanholder\">\r\n\r\n                <div class=\"heading-loan\">\r\n                    <img decoding=\"async\" src=\"https:\/\/mortgagemaster-files.s3.ap-southeast-1.amazonaws.com\/files\/Bank%20Logos\/Maybank-RSME-Business-Loan.jpg\" alt=\"Bank Logo\" style=\"max-width:150px;\">\n                    <span>3-Month SORA<\/span>\r\n                <\/div>\r\n\r\n                <div class=\"mid-content\">\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Interest<\/span>\r\n                            <span>1.39 %<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Monthly Installment<\/span>\r\n                            <span>4.08K<\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>Loan Tenor<\/span>\r\n                            <span>30 years<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>Three Year Average Interest<\/span>\r\n                            <span>1.57 % <\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                <\/div>\r\n\r\n                <div class=\"description-holder\">\r\n                    <ul>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i> Floating interest rates<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>2 year lock-in<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>(Minimum loan amount requirement applies)<br>\nYear 1: 3M SORA + 0.20%<br>\nYear 2: 3M SORA + 0.20%<br>\nYear 3: 3M SORA + 0.75%<br>\nThereafter: 3M SORA + 1.00%<br>\n- One free conversion after 12 months<br>\nCash rebate for refinancing only<br>\n0.4% of loan amount, capped at $2,500<\/li>\r\n                    <\/ul>\r\n                <\/div>\r\n\r\n                <div class=\"footer-bottom-content\">\r\n                    <a class=\"showmorebtn\">Show more<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t <a href=\"\/loan-results\/?loan_amount=1200000&loan_type=Refinancing&property_type=Private-1&property_status=Completed&interest_type=Both&tenor=30\" >\r\n                        Find Out More\r\n                    \t<\/a>\r\n\t\t\t\t\t                <\/div>\r\n\r\n            <\/div>\r\n\r\n            <div id=\"loan-popup-4\" class=\"mfp-hide loan-popup-content\">\r\n\t\t\t\t<div class=\"heading-popup\">\r\n\t\t\t\t\t<h2>\r\n\t\t\t\t\t\tOur consultants are standing by!\r\n\t\t\t\t\t<\/h2>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"info-loan-holder\">\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Amount<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">SGD1200000<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Tenor<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">30 Years<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Type<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\"><\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t\t\t \r\n\t\t\t\t\t<div class=\"loan-information\">\r\n\t\t\t\t\t\t<div class=\"heading-loan\">\r\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mortgagemaster-files.s3.ap-southeast-1.amazonaws.com\/files\/Bank%20Logos\/Maybank-RSME-Business-Loan.jpg\" alt=\"Bank Logo\" style=\"max-width:150px;\">\n\t\t\t\t\t\t\t<span>3-Month SORA<\/span>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t \t<div class=\"mid-content1\">\r\n\r\n                    \t\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.39 %<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Monthly Installment<\/span>\r\n\t\t\t\t\t\t\t\t<span>4.08K<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Loan Tenor<\/span>\r\n\t\t\t\t\t\t\t\t<span>30 years<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Three Year Average Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.57 % <\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t<div class=\"form-holder\">\r\n\t\t\t\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f7407-o4\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"7407\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/pages\/235#wpcf7-f7407-o4\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"7407\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f7407-o4\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><label> Full Name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Phone number<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"PhoneNumber\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"PhoneNumber\" \/><\/span> <\/label>\n<\/p>\n<input class=\"wpcf7-form-control wpcf7-hidden first-year-interest\" value=\"\" type=\"hidden\" name=\"FirstYearInterest\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-schema-value\" value=\"\" type=\"hidden\" name=\"LoanSchema\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-amount\" value=\"\" type=\"hidden\" name=\"loanamount\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden monthly-installement\" value=\"\" type=\"hidden\" name=\"monthlyinstallement\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-tenor\" value=\"\" type=\"hidden\" name=\"loantenor\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-type\" value=\"\" type=\"hidden\" name=\"loantype\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden three-years-average\" value=\"\" type=\"hidden\" name=\"threeyearsaverage\" \/>\n<p><span id=\"wpcf7-6aa8079075d0a-wrapper\" class=\"wpcf7-form-control-wrap honeypot-381-wrap\" data-cf7apps-honeypot=\"honeypot-381\" style=\"display: block;\n\t\t    width: 0px;\n\t\t    height: 0px;\n\t\t    padding: 0px;\n\t\t    border: 1px solid transparent;\n\t\t    display: block;\n\t\t    overflow: hidden;\n\t\t    \"><input type=\"hidden\" name=\"honeypot-381-random-hash\" value=\"69181509\"><label\n\t\t    for=\"wpcf7-6aa8079075d0a-field\"\n\t\t    class=\"hp-message\"\n        >Please leave this field empty.<\/label><input\n\t    id=\"wpcf7-6aa8079075d0a-field\"\n\t    \n\t    class=\"wpcf7-form-control wpcf7-text\"\n\t    type=\"text\"\n\t    name=\"wg7zge4qkjqb\"\n\t    value=\"\"\n\t    size=\"40\"\n\t    autocomplete=\"new-password\"\n\t    tabindex=\"1000\"\n    \/><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enquire Now\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n            <\/div>\r\n\r\n\r\n    <\/div><div class=\"slide\">\r\n\t\t\r\n            <div class=\"loanholder\">\r\n\r\n                <div class=\"heading-loan\">\r\n                    <img decoding=\"async\" src=\"https:\/\/mortgagemaster-files.s3.ap-southeast-1.amazonaws.com\/files\/Bank%20Logos\/Standard-Chartered-logo.png\" alt=\"Bank Logo\" style=\"max-width:150px;\">\n                    <span>2 Year Fixed Flexi (With 200K Fresh Funds)<\/span>\r\n                <\/div>\r\n\r\n                <div class=\"mid-content\">\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Interest<\/span>\r\n                            <span>1.40 %<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Monthly Installment<\/span>\r\n                            <span>4.08K<\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>Loan Tenor<\/span>\r\n                            <span>30 years<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>Three Year Average Interest<\/span>\r\n                            <span>1.49 % <\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                <\/div>\r\n\r\n                <div class=\"description-holder\">\r\n                    <ul>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i> Fixed interest rates<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>2 year lock-in<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>(Minimum loan amount requirement applies)<br>\n(Must deposit 200K fresh funds for 6 months)<br>\nYear 1: 1.40% Fixed<br>\nYear 2: 1.40% Fixed<br>\nYear 3: 1M SORA + 0.40%<br>\nYear 4: 1M SORA + 0.50%<br>\nThereafter: 1M SORA + 0.90%<br>\n- One free conversion after 12 months<br>\nLegal subsidy for refinancing only<br>\nLoan amount above 500K - $1,800<br>\nValuation subsidy for refinancing only <br>\nLoan amount above 500K - $350<br>\nLoan amount above 1.0M - $500<\/li>\r\n                    <\/ul>\r\n                <\/div>\r\n\r\n                <div class=\"footer-bottom-content\">\r\n                    <a class=\"showmorebtn\">Show more<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t <a href=\"\/loan-results\/?loan_amount=1200000&loan_type=Refinancing&property_type=Private-1&property_status=Completed&interest_type=Both&tenor=30\" >\r\n                        Find Out More\r\n                    \t<\/a>\r\n\t\t\t\t\t                <\/div>\r\n\r\n            <\/div>\r\n\r\n            <div id=\"loan-popup-5\" class=\"mfp-hide loan-popup-content\">\r\n\t\t\t\t<div class=\"heading-popup\">\r\n\t\t\t\t\t<h2>\r\n\t\t\t\t\t\tOur consultants are standing by!\r\n\t\t\t\t\t<\/h2>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"info-loan-holder\">\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Amount<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">SGD1200000<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Tenor<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">30 Years<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Type<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\"><\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t\t\t \r\n\t\t\t\t\t<div class=\"loan-information\">\r\n\t\t\t\t\t\t<div class=\"heading-loan\">\r\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mortgagemaster-files.s3.ap-southeast-1.amazonaws.com\/files\/Bank%20Logos\/Standard-Chartered-logo.png\" alt=\"Bank Logo\" style=\"max-width:150px;\">\n\t\t\t\t\t\t\t<span>2 Year Fixed Flexi (With 200K Fresh Funds)<\/span>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t \t<div class=\"mid-content1\">\r\n\r\n                    \t\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.40 %<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Monthly Installment<\/span>\r\n\t\t\t\t\t\t\t\t<span>4.08K<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Loan Tenor<\/span>\r\n\t\t\t\t\t\t\t\t<span>30 years<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Three Year Average Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.49 % <\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t<div class=\"form-holder\">\r\n\t\t\t\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f7407-o5\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"7407\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/pages\/235#wpcf7-f7407-o5\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"7407\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f7407-o5\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><label> Full Name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Phone number<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"PhoneNumber\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"PhoneNumber\" \/><\/span> <\/label>\n<\/p>\n<input class=\"wpcf7-form-control wpcf7-hidden first-year-interest\" value=\"\" type=\"hidden\" name=\"FirstYearInterest\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-schema-value\" value=\"\" type=\"hidden\" name=\"LoanSchema\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-amount\" value=\"\" type=\"hidden\" name=\"loanamount\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden monthly-installement\" value=\"\" type=\"hidden\" name=\"monthlyinstallement\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-tenor\" value=\"\" type=\"hidden\" name=\"loantenor\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-type\" value=\"\" type=\"hidden\" name=\"loantype\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden three-years-average\" value=\"\" type=\"hidden\" name=\"threeyearsaverage\" \/>\n<p><span id=\"wpcf7-6aa807907692d-wrapper\" class=\"wpcf7-form-control-wrap honeypot-381-wrap\" data-cf7apps-honeypot=\"honeypot-381\" style=\"display: block;\n\t\t    width: 0px;\n\t\t    height: 0px;\n\t\t    padding: 0px;\n\t\t    border: 1px solid transparent;\n\t\t    display: block;\n\t\t    overflow: hidden;\n\t\t    \"><input type=\"hidden\" name=\"honeypot-381-random-hash\" value=\"50867640\"><label\n\t\t    for=\"wpcf7-6aa807907692d-field\"\n\t\t    class=\"hp-message\"\n        >Please leave this field empty.<\/label><input\n\t    id=\"wpcf7-6aa807907692d-field\"\n\t    \n\t    class=\"wpcf7-form-control wpcf7-text\"\n\t    type=\"text\"\n\t    name=\"mebrp790y2bx\"\n\t    value=\"\"\n\t    size=\"40\"\n\t    autocomplete=\"new-password\"\n\t    tabindex=\"1000\"\n    \/><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enquire Now\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n            <\/div>\r\n\r\n\r\n    <\/div><div class=\"slide\">\r\n\t\t\r\n            <div class=\"loanholder\">\r\n\r\n                <div class=\"heading-loan\">\r\n                    <img decoding=\"async\" src=\"https:\/\/mortgagemaster-files.s3.ap-southeast-1.amazonaws.com\/files\/Bank%20Logos\/cimb-bank-logo-vector.png\" alt=\"Bank Logo\" style=\"max-width:150px;\">\n                    <span>2 Year Fixed<\/span>\r\n                <\/div>\r\n\r\n                <div class=\"mid-content\">\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Interest<\/span>\r\n                            <span>1.40 %<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Monthly Installment<\/span>\r\n                            <span>4.08K<\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>Loan Tenor<\/span>\r\n                            <span>30 years<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>Three Year Average Interest<\/span>\r\n                            <span>1.56 % <\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                <\/div>\r\n\r\n                <div class=\"description-holder\">\r\n                    <ul>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i> Fixed interest rates<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>2 year lock-in<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>(Minimum loan amount requirement applies)<br>\nYear 1: 1.40% Fixed<br>\nYear 2: 1.40% Fixed<br>\nYear 3: 3M SORA + 0.70%<br>\nThereafter: 3M SORA + 1.00%<br>\n- One \u2060free conversion within 3 months from lock in expiry date<br>\n- 100% penalty refund due to sale if min 200K new loan to be taken up within 6 months<br>\nSubsidy is applicable to both purchase and refinancing<br>\n- Legal subsidy 0.30% of loan amount, capped at $2,000<br>\n- Valuation subsidy $500 for loan amount above 800K<\/li>\r\n                    <\/ul>\r\n                <\/div>\r\n\r\n                <div class=\"footer-bottom-content\">\r\n                    <a class=\"showmorebtn\">Show more<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t <a href=\"\/loan-results\/?loan_amount=1200000&loan_type=Refinancing&property_type=Private-1&property_status=Completed&interest_type=Both&tenor=30\" >\r\n                        Find Out More\r\n                    \t<\/a>\r\n\t\t\t\t\t                <\/div>\r\n\r\n            <\/div>\r\n\r\n            <div id=\"loan-popup-6\" class=\"mfp-hide loan-popup-content\">\r\n\t\t\t\t<div class=\"heading-popup\">\r\n\t\t\t\t\t<h2>\r\n\t\t\t\t\t\tOur consultants are standing by!\r\n\t\t\t\t\t<\/h2>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"info-loan-holder\">\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Amount<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">SGD1200000<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Tenor<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">30 Years<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Type<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\"><\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t\t\t \r\n\t\t\t\t\t<div class=\"loan-information\">\r\n\t\t\t\t\t\t<div class=\"heading-loan\">\r\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mortgagemaster-files.s3.ap-southeast-1.amazonaws.com\/files\/Bank%20Logos\/cimb-bank-logo-vector.png\" alt=\"Bank Logo\" style=\"max-width:150px;\">\n\t\t\t\t\t\t\t<span>2 Year Fixed<\/span>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t \t<div class=\"mid-content1\">\r\n\r\n                    \t\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.40 %<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Monthly Installment<\/span>\r\n\t\t\t\t\t\t\t\t<span>4.08K<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Loan Tenor<\/span>\r\n\t\t\t\t\t\t\t\t<span>30 years<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Three Year Average Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.56 % <\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t<div class=\"form-holder\">\r\n\t\t\t\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f7407-o6\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"7407\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/pages\/235#wpcf7-f7407-o6\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"7407\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f7407-o6\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><label> Full Name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Phone number<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"PhoneNumber\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"PhoneNumber\" \/><\/span> <\/label>\n<\/p>\n<input class=\"wpcf7-form-control wpcf7-hidden first-year-interest\" value=\"\" type=\"hidden\" name=\"FirstYearInterest\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-schema-value\" value=\"\" type=\"hidden\" name=\"LoanSchema\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-amount\" value=\"\" type=\"hidden\" name=\"loanamount\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden monthly-installement\" value=\"\" type=\"hidden\" name=\"monthlyinstallement\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-tenor\" value=\"\" type=\"hidden\" name=\"loantenor\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-type\" value=\"\" type=\"hidden\" name=\"loantype\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden three-years-average\" value=\"\" type=\"hidden\" name=\"threeyearsaverage\" \/>\n<p><span id=\"wpcf7-6aa8079077570-wrapper\" class=\"wpcf7-form-control-wrap honeypot-381-wrap\" data-cf7apps-honeypot=\"honeypot-381\" style=\"display: block;\n\t\t    width: 0px;\n\t\t    height: 0px;\n\t\t    padding: 0px;\n\t\t    border: 1px solid transparent;\n\t\t    display: block;\n\t\t    overflow: hidden;\n\t\t    \"><input type=\"hidden\" name=\"honeypot-381-random-hash\" value=\"71617904\"><label\n\t\t    for=\"wpcf7-6aa8079077570-field\"\n\t\t    class=\"hp-message\"\n        >Please leave this field empty.<\/label><input\n\t    id=\"wpcf7-6aa8079077570-field\"\n\t    \n\t    class=\"wpcf7-form-control wpcf7-text\"\n\t    type=\"text\"\n\t    name=\"jnqk09y9d72w\"\n\t    value=\"\"\n\t    size=\"40\"\n\t    autocomplete=\"new-password\"\n\t    tabindex=\"1000\"\n    \/><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enquire Now\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n            <\/div>\r\n\r\n\r\n    <\/div><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b77360a e-flex e-con-boxed e-con e-parent\" data-id=\"b77360a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3512115 e-con-full e-flex e-con e-child\" data-id=\"3512115\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a6870e4 elementor-widget elementor-widget-heading\" data-id=\"a6870e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Why Choose Mortgage Master for Your Private Property Loan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27237b6 elementor-widget elementor-widget-text-editor\" data-id=\"27237b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>At Mortgage Master, we&#8217;re dedicated to finding the best financial solutions for you, tailored to your unique needs and goals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2869375 e-con-full e-flex e-con e-child\" data-id=\"2869375\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-9417273 e-con-full e-flex e-con e-child\" data-id=\"9417273\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-151c1b5 elementor-widget elementor-widget-heading\" data-id=\"151c1b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Over<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11debf2 elementor-widget elementor-widget-counter\" data-id=\"11debf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"500\" data-to-value=\"6500\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40f9e28 elementor-widget elementor-widget-heading\" data-id=\"40f9e28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Satisfied Clients<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a3844b e-con-full e-flex e-con e-child\" data-id=\"0a3844b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae6629c elementor-widget elementor-widget-heading\" data-id=\"ae6629c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Over<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f46bfb elementor-widget elementor-widget-counter\" data-id=\"7f46bfb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\">$<\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"500\" data-to-value=\"800\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">m<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-647cff6 elementor-widget elementor-widget-heading\" data-id=\"647cff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Loan Value<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d0f48f e-con-full e-flex e-con e-parent\" data-id=\"1d0f48f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e8915f5 elementor-widget elementor-widget-template\" data-id=\"e8915f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3280\" class=\"elementor elementor-3280\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24971967 e-flex e-con-boxed e-con e-parent\" data-id=\"24971967\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1ee7598b e-con-full e-flex e-con e-child\" data-id=\"1ee7598b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20bc2268 elementor-mobile-align-center elementor-widget-tablet__width-inherit elementor-tablet-align-center elementor-widget elementor-widget-button\" data-id=\"20bc2268\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">testimonials<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ac2591c elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2ac2591c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What People Are Saying<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-374dff38 elementor-widget elementor-widget-shortcode\" data-id=\"374dff38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"wp-gr rpi wpac\" style=\"--rev-color: #ffffff;\" data-id=\"1606\" data-layout=\"grid\" data-exec=\"false\" data-options='{&quot;text_size&quot;:&quot;&quot;,&quot;trans&quot;:{&quot;read more&quot;:&quot;read more&quot;}}'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"display:none!important\"><symbol id=\"grw-tripadvisor\" viewBox=\"0 0 713.496 713.496\"><g><circle fill=\"#34E0A1\" cx=\"356.749\" cy=\"356.748\" r=\"356.748\"\/><path d=\"M577.095,287.152l43.049-46.836h-95.465c-47.792-32.646-105.51-51.659-167.931-51.659   c-62.342,0-119.899,19.054-167.612,51.659H93.432l43.049,46.836c-26.387,24.075-42.929,58.754-42.929,97.259   c0,72.665,58.914,131.578,131.579,131.578c34.519,0,65.968-13.313,89.446-35.077l42.172,45.919l42.172-45.879   c23.478,21.764,54.887,35.037,89.406,35.037c72.665,0,131.658-58.913,131.658-131.578   C620.024,345.866,603.483,311.188,577.095,287.152z M225.17,473.458c-49.188,0-89.047-39.859-89.047-89.047   s39.86-89.048,89.047-89.048c49.187,0,89.047,39.86,89.047,89.048S274.357,473.458,225.17,473.458z M356.788,381.82   c0-58.595-42.61-108.898-98.853-130.383c30.413-12.716,63.776-19.771,98.813-19.771s68.439,7.055,98.853,19.771   C399.399,272.962,356.788,323.226,356.788,381.82z M488.367,473.458c-49.188,0-89.048-39.859-89.048-89.047   s39.86-89.048,89.048-89.048s89.047,39.86,89.047,89.048S537.554,473.458,488.367,473.458z M488.367,337.694   c-25.79,0-46.677,20.887-46.677,46.677c0,25.789,20.887,46.676,46.677,46.676c25.789,0,46.676-20.887,46.676-46.676   C535.042,358.621,514.156,337.694,488.367,337.694z M271.846,384.411c0,25.789-20.887,46.676-46.676,46.676   s-46.676-20.887-46.676-46.676c0-25.79,20.887-46.677,46.676-46.677C250.959,337.694,271.846,358.621,271.846,384.411z\"\/><\/g><\/symbol><symbol id=\"grw-google\" viewBox=\"0 0 512 512\"><g fill=\"none\" fill-rule=\"evenodd\"><path d=\"M482.56 261.36c0-16.73-1.5-32.83-4.29-48.27H256v91.29h127.01c-5.47 29.5-22.1 54.49-47.09 71.23v59.21h76.27c44.63-41.09 70.37-101.59 70.37-173.46z\" fill=\"#4285f4\"\/><path d=\"M256 492c63.72 0 117.14-21.13 156.19-57.18l-76.27-59.21c-21.13 14.16-48.17 22.53-79.92 22.53-61.47 0-113.49-41.51-132.05-97.3H45.1v61.15c38.83 77.13 118.64 130.01 210.9 130.01z\" fill=\"#34a853\"\/><path d=\"M123.95 300.84c-4.72-14.16-7.4-29.29-7.4-44.84s2.68-30.68 7.4-44.84V150.01H45.1C29.12 181.87 20 217.92 20 256c0 38.08 9.12 74.13 25.1 105.99l78.85-61.15z\" fill=\"#fbbc05\"\/><path d=\"M256 113.86c34.65 0 65.76 11.91 90.22 35.29l67.69-67.69C373.03 43.39 319.61 20 256 20c-92.25 0-172.07 52.89-210.9 130.01l78.85 61.15c18.56-55.78 70.59-97.3 132.05-97.3z\" fill=\"#ea4335\"\/><path d=\"M20 20h472v472H20V20z\"\/><\/g><\/symbol><\/svg><div class=\"grw-row grw-row-m\" data-options='{&quot;breakpoints&quot;:&quot;1:1,3000:3&quot;}'><div class=\"grw-content\"><div class=\"grw-content-inner\"><div class=\"grw-reviews\"><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_f8bd41b0b0dc5fcd69299fd3f274b8ea.jpg\" loading=\"lazy\" alt=\"Jia Wei Lim profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/111471362066543250459\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Jia Wei Lim<\/a><div class=\"wp-google-time\" data-time=\"1783150525\">2 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Adam from Mortgage Master is highly professional and helped me secure low-interest mortgages for both my first home purchase and a subsequent refinance. I highly recommend his services.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_e87028f3f0b6456f10cb248b4c19045e.jpg\" loading=\"lazy\" alt=\"Titus Taro profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/108524714484524343490\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Titus Taro<\/a><div class=\"wp-google-time\" data-time=\"1782824734\">3 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Very happy to be guided by Adam at Mortgage Master along this process of refinancing of my and my partner\u2019s properties. His research, analysis and prompt communication make the process so smooth and efficient for us, especially as we have no time to study and compare the loan packages and the fine prints. We don\u2019t even know who at the banks to call. Adam\u2019s independent views are assuring when we felt bogged down by the flood of numbers and information, like a side mirror bringing our blind spots into perspective, helping us ask the right questions about what we really want in the context of the changing economic landscape and our financial plan for the future.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_8c1cde0138512b25d5ed323306228418.jpg\" loading=\"lazy\" alt=\"Aung Myat Oo - Darren profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/112703002488634561575\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Aung Myat Oo - Darren<\/a><div class=\"wp-google-time\" data-time=\"1782807894\">3 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Can't thank Henry enough for his help with my mortgage! He is super polite, patient, and knows his stuff inside out. He made a normally stressful process so much easier by always being available to answer my messages, even during the weekends. 5 stars!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_0591c0e0aacd9d170360729c1c70d38a.jpg\" loading=\"lazy\" alt=\"Tay J. profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/117850530252782704613\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Tay J.<\/a><div class=\"wp-google-time\" data-time=\"1782519703\">3 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Highly recommend Henry Koo, he was professional, responded clearly and quickly to all my queries and very approachable and helpful too.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_44823935261397f3f715828c5eaba0ee.jpg\" loading=\"lazy\" alt=\"Vasu Kollur profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/115678103127585759930\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Vasu Kollur<\/a><div class=\"wp-google-time\" data-time=\"1782390682\">3 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Dear Jackson Ng<br \/><br \/>\u201cI benefited greatly from the mortgage advisory service. Jackson helped me refinance my home loan by introducing me to the right bank officer and clearly explaining the different interest rates offered by various banks. The entire process was smooth and well-guided, and I was able to secure an affordable rate that suited my needs. I highly appreciate the professional service and would rate it 5 out of 5 stars.\u201d<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_6c26bdb21ca2474fda21b16c7de71d8a.jpg\" loading=\"lazy\" alt=\"Prashant Datt profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/114199607760456766016\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Prashant Datt<\/a><div class=\"wp-google-time\" data-time=\"1780912729\">3 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Outstanding service from Adam at Mortgage Master. He really helped to cut through the noise of complex bank packages to deliver clear, transparent choices for my home financing. He is highly efficient with document management, quick to respond to queries, and completely unbiased in his recommendations. His work saved me a significant amount of administrative stress and secured an excellent package. Will definitely look to Mortgage Master again for future repricing or refinancing needs. Highly recommended!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_94e73badd6ba7506f88fa1b93d4792b5.jpg\" loading=\"lazy\" alt=\"Baron Yeo \u201cHomeWithBaron\u201d profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/110068969250559504691\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Baron Yeo \u201cHomeWithBaron\u201d<\/a><div class=\"wp-google-time\" data-time=\"1777607280\">5 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Pleasure working with Jacky. He is very detail oriented and patient, always taking the time to understand my needs and adjust accordingly to market updates in a very efficient manner. He is also highly knowledgeable about current bank rates and financing options, which made the entire process much smoother.<br \/><br \/>What stood out most was his responsiveness and commitment. He kept me updated at every stage and ensured nothing was overlooked. Overall, a very reliable and trustworthy mortgage broker. I would definitely recommend him to anyone looking for a smooth and well-guided property journey.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_222a0f8175f643b0f055d42b30b07378.jpg\" loading=\"lazy\" alt=\"Keith T profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/112525255668396508406\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Keith T<\/a><div class=\"wp-google-time\" data-time=\"1777473546\">5 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Engaged Mortgage Master for my previous home and it was without a hitch and everything went smoothly. Was able to secure myself a good interest fixed rate that shielded me from the rate hikes not long ago. This time for my new home, I was keen to engage them as well and Jackie attended to me. He was able to understand my requirements and helped source me the best loan deal. In fact when the options presented were not to my expectation, he helped pushed for a better deal. He was prompt in answering my queries as well and did the check ins with me. Overall I am satisfied with the experience and recommend others to engage MM for their mortgage requirements.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_a093d67109d03da0f7a310075e78cb95.jpg\" loading=\"lazy\" alt=\"Jun Gong (June) profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/103703707563478585245\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Jun Gong (June)<\/a><div class=\"wp-google-time\" data-time=\"1776862292\">5 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">I had a great experience working with Mr. Irving Yang from Mortgage Master. As first-time home buyers, we truly appreciated his patience and professionalism throughout the entire process. He took the time to explain every detail clearly, from different loan structures to the finer points of mortgage packages, ensuring we fully understood our options before making any decisions.<br \/><br \/>Irving is highly knowledgeable and provided valuable insights that helped us secure a very competitive mortgage package. What stood out most was his responsiveness and willingness to go the extra mile to address all our questions and concerns, no matter how small.<br \/><br \/>We feel very fortunate to have had his guidance during such an important milestone. I would highly recommend Irving to anyone looking for a reliable and professional mortgage advisor.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_29c4a5e06c9e42ca9446cd93f806f803.jpg\" loading=\"lazy\" alt=\"Lam profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/108221772543683762654\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Lam<\/a><div class=\"wp-google-time\" data-time=\"1769531574\">8 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">I had an excellent experience with my mortgage broker, Jackie. He was proactive and thorough in explaining the mortgage process, including loan structures, SORA, and the rationale behind different bank options. His guidance was clear, up to date with current market conditions, and backed by strong experience.<br \/><br \/>He was also very resourceful in engaging the right bank contacts, quick with updates, and extremely responsive throughout. What I appreciated most was that he was truly on my side - guiding me on how to structure and present my application properly, and exploring every possible option instead of simply saying \u201ccannot\u201d. Highly recommended! ?<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_73e7fd7c8e9a8e93818f1c9a2f6257b1.jpg\" loading=\"lazy\" alt=\"Gina Ratnasari profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/107770564830435835121\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Gina Ratnasari<\/a><div class=\"wp-google-time\" data-time=\"1753839463\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">I reached out to mortgage master to get advice on managing my mortage for my house purchase.<br \/><br \/>Francis is very helpful and ready to answer my questions about mortgage almost immediately. I would have signed the mortgage through his service if only I had enough time to manage the legal procedures for the purchase. I would definitely ask his help in my next refinancing of the house though.<br \/><br \/>Thanks Francis for the advices and help. Would definitely work with you in the next chance.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_998f85d072b21335b92c26eabc3bc2f7.jpg\" loading=\"lazy\" alt=\"Uno profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/115096157516546812534\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Uno<\/a><div class=\"wp-google-time\" data-time=\"1753799837\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">I\u2019m writing to express my appreciation for the exceptional advisory service provided by Jackie, a mortgage specialist with Mortgage Master.<br \/><br \/>While i was skeptical at first, Jackie patiently explained how I could benefit from the advisory service. And indeed, i would not have gotten such a good deal if not for him. I am impressed by his professionalism, responsiveness, patience and deep knowledge, having considered my loan from all angles. He tirelessly explained various options and suggested the best one for me. The banker he linked me up with was equally professional. And I got the max loan i wanted within 2 weeks.<br \/><br \/>Because of this positive experience, I would not hesitate to recommend Jackie to friends who need mortgage options.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_a81439076b2836f2001e5280ba12a810.jpg\" loading=\"lazy\" alt=\"B Ng profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/114456296460073730916\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">B Ng<\/a><div class=\"wp-google-time\" data-time=\"1753794039\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Saying Mitchell is an expert in this field is an understatement.He is able to anticipate clients concern and swiftly provide well thought out advices. His response is almost immediate and always with precision. With his guidance, I am able to analysis clearly which package is most suited for me despite the numerous requirements I have. I am most impressed with his knowledge and pleasant disposition among all the other players in the market. Really hope to engage his help again in the future.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_cf8808a6d7672bdbac502a88a09e693b.jpg\" loading=\"lazy\" alt=\"Abel Tan profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/115434669492970099409\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Abel Tan<\/a><div class=\"wp-google-time\" data-time=\"1753760905\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Francis Chua is honest and cares that you get the right loan for your situation. Didn\u2019t upsell me when I mention that I might sell and instead advise me to do a repricing. Thanks!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_82b8a6b79e83a028b5f64b24265894e5.jpg\" loading=\"lazy\" alt=\"Jason Yong profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/113929797300377277909\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Jason Yong<\/a><div class=\"wp-google-time\" data-time=\"1753757620\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">We received prompt and professional mortgage advice and service from Francis of Mortgage Master. He is attentive and responds quickly. Highly recommended.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_fd6e83372c8c9a14645647d271f7d188.jpg\" loading=\"lazy\" alt=\"YT Wu (Yingtong) profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/104792789366447154060\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">YT Wu (Yingtong)<\/a><div class=\"wp-google-time\" data-time=\"1753697272\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Francis Chua is very professional, helpful and responsive, making my re-financing experience smooth and fast. Highly recommended.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_f840768b090d4595335e5a2aee75107e.jpg\" loading=\"lazy\" alt=\"gabriel ng profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/102883973531104084950\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">gabriel ng<\/a><div class=\"wp-google-time\" data-time=\"1753687696\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Francis was very helpful!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_953e0f903c1ccb3ca759e1965a1a7025.jpg\" loading=\"lazy\" alt=\"Goh ailin profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/116251169150019899935\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Goh ailin<\/a><div class=\"wp-google-time\" data-time=\"1753526050\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Good Service,Thank you<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_3b6701a89fa403f7d29d7095c37447c1.jpg\" loading=\"lazy\" alt=\"Beverly Tan profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/111321638944311247292\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Beverly Tan<\/a><div class=\"wp-google-time\" data-time=\"1753497863\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Francis was very helpful in my recent refinancing effort. He proactively checked in, recommended the best deals in the market, provided unbias advice and patiently addressed my numerous queries. He neither hard sells nor pressures you to act against your comfort or interest, and is a trustworthy mortgage advisor to journey with for mortgage decisions.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_e74959453aaf3473381a54d4be7d0b5c.jpg\" loading=\"lazy\" alt=\"Felix Chan profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/108642821263347378632\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Felix Chan<\/a><div class=\"wp-google-time\" data-time=\"1753334008\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Very good information ahared.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><\/div><\/div><a class=\"wp-google-url\" href=\"#\" onclick=\"return rplg_next_reviews.call(this, 'grw', 3);\">                    More reviews                <\/a><\/div><\/div><script>(function(p){if(!p)return;let w=p.offsetWidth,m=function(a,b){return Math.min(a,b)===a};p.querySelector('.grw-row').classList.replace('grw-row-m','grw-row-'+(m(w,510)?'xs':m(w,750)?'x':m(w,1100)?'s':m(w,1450)?'m':m(w,1800)?'l':'xl'))})(document.currentScript?.parentElement)<\/script><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-009a80c e-flex e-con-boxed e-con e-parent\" data-id=\"009a80c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-494858c e-con-full e-flex e-con e-child\" data-id=\"494858c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bdd693e elementor-widget elementor-widget-heading\" data-id=\"bdd693e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Ready to explore your options?\n\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ea1990 elementor-widget elementor-widget-button\" data-id=\"7ea1990\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Consult With Us Today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db3826b e-flex e-con-boxed e-con e-parent\" data-id=\"db3826b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-07ca31b e-con-full e-flex e-con e-child\" data-id=\"07ca31b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-0fe8424 e-con-full e-flex e-con e-child\" data-id=\"0fe8424\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30cc50d elementor-widget elementor-widget-heading\" data-id=\"30cc50d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FAQ About Private Property Loans in Singapore\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ca0fb2 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4ca0fb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Buying a private property in Singapore is a significant investment, and securing the right housing loan is crucial. Here&#8217;s a breakdown of the key elements involved in private property home loans:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7feb1dd e-con-full e-flex e-con e-child\" data-id=\"7feb1dd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4f190d elementor-widget elementor-widget-n-accordion\" data-id=\"f4f190d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2560\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2560\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does the lock-in period affect my flexibility in choosing the best home loan option for my private property? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2560\" class=\"elementor-element elementor-element-5abd4e9 e-con-full e-flex e-con e-child\" data-id=\"5abd4e9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4f5a8f elementor-widget elementor-widget-text-editor\" data-id=\"d4f5a8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The lock-in period is a crucial factor to consider when choosing a housing loan for your private property. During this period, typically one to three years, you cannot refinance your loan with another lender without incurring a penalty. This can limit your flexibility to switch to a more favourable loan if interest rates drop. Carefully evaluate the lock-in period and potential penalties before committing to a loan package.<\/p><p>If you are unsure about how the lock-in period will affect your home loan options, it\u2019s best to consult with a mort<a href=\"#\">gage advisor in Singapore<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2561\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2561\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the maximum loan tenure for a private property in Singapore? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2561\" class=\"elementor-element elementor-element-e4353ed e-con-full e-flex e-con e-child\" data-id=\"e4353ed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea2249b elementor-widget elementor-widget-text-editor\" data-id=\"ea2249b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The maximum bank loan tenure for a private property in Singapore is capped at 35 years or until the youngest borrower reaches the age of 65, whichever is shorter. This ensures that the loan is fully repaid before retirement age.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-531c80a elementor-widget elementor-widget-n-accordion\" data-id=\"531c80a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8710\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8710\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much CPF can I use for condo monthly instalments? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8710\" class=\"elementor-element elementor-element-69a4617 e-con-full e-flex e-con e-child\" data-id=\"69a4617\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16f5645 elementor-widget elementor-widget-text-editor\" data-id=\"16f5645\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You can use your CPF Ordinary Account (OA) savings to pay for your condo monthly instalments, but there are limits. You can use your OA savings to cover the down payment, and subsequently, for monthly repayments, subject to the prevailing Loan-to-Value (LTV) limit. It&#8217;s essential to maintain a minimum cash down payment as stipulated by MAS regulations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8711\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8711\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I buy private property with CPF? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8711\" class=\"elementor-element elementor-element-6b20319 e-con-full e-flex e-con e-child\" data-id=\"6b20319\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cec303c elementor-widget elementor-widget-text-editor\" data-id=\"cec303c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes, you can use your CPF OA savings towards buying a private property. You can use it for the down payment, stamp duties, legal fees, and even for monthly mortgage repayments. However, there are restrictions on the amount of CPF you can use, based on factors like the purchase price, LTV limit, and your age.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8712\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8712\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the minimum mortgage period? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8712\" class=\"elementor-element elementor-element-5c83804 e-con-full e-flex e-con e-child\" data-id=\"5c83804\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bd131fe elementor-widget elementor-widget-text-editor\" data-id=\"bd131fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>While there&#8217;s no minimum mortgage period mandated by law, lenders typically offer home loans with a minimum tenure of five years. However, you can choose a shorter loan tenure if you prefer to repay your loan more quickly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48dc435 e-con-full e-flex e-con e-parent\" data-id=\"48dc435\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c41882f elementor-widget elementor-widget-template\" data-id=\"c41882f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3271\" class=\"elementor elementor-3271\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38b1aaeb e-flex e-con-boxed e-con e-parent\" data-id=\"38b1aaeb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3b09c1b5 e-con-full e-flex e-con e-child\" data-id=\"3b09c1b5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29ff1f14 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"29ff1f14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Our Bank Partners<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e470f79 hod-img-carousel elementor-widget elementor-widget-image-carousel\" data-id=\"7e470f79\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;6&quot;,&quot;navigation&quot;:&quot;none&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;slides_to_show_tablet&quot;:&quot;3&quot;,&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;slides_to_show_laptop&quot;:&quot;4&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;image_spacing_custom_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" 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Here&#8217;s a breakdown of the key elements involved in private property home loans: [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-235","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Get The Best Private Property Bank Loan Rates in Singapore (2025)<\/title>\n<meta name=\"description\" content=\"Learn about mortgage, including interest rates, eligibility criteria, and loan-to-value (LTV) limits, to find the best bank loan for your condo or landed property.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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