Mortgage Master - Blog

Mortgage Master Blog

Get the latest news and insights from the mortgage industry in Singapore.

13Parliament.png


News

What will the newly elected 14th Parliament be addressing regarding mortgage and housing loan rates? We took a look back at 3 times earlier this year when the 13th Parliament discussed these issues.

DBS 5 Year Fixed.png


Refinancing

DBS has announced two unique 5 year fixed rate packages, but which one is better for HDB owners looking to refinance? We did the math so that you don't have to.

Interest Rate Floor.png


News

When one bank in Singapore announced they were raising their interest rate floor, the backlash was swift. But what is an interest rate floor and are banks allowed to raise it? I mean... it's supposed to be a FLOOR, right?

Fixed Deposit Linked Rates.png


Interest Rates

For the past five years, fixed deposit linked rates like DBS FHR8 have been a unique proposition in the mortgage industry. But are they truly as low a risk? This is what we found out in 2020.

HDB Loans versus Bank Loans.png


Home Loan

Are you buying an HDB flat in Singapore? Then you'll have to confront a perennial question: is taking an HDB loan better, or should you go with a bank loan? We weigh the pros and cons of each decision.

Conveyancing Lawyer Singapore.png


Home Loan

Looking for a conveyancing lawyer in Singapore? How much does conveyancing cost? Before we answer any of these questions about conveyancing fees, here are 3 things you should know

MAS Deferred Mortgage Repayment.png


News

On 31 March 2020, MAS announced a slew of financial relief measures for individuals, especially those affected by the COVID-19 pandemic and the economic downturn. So should you apply for mortgage deferment?

Interest Repayment Schemes.png


News

Before March 31 2020, banks were offering various relief measures to help homeowners during the COVID-19 pandemic. We compiled a list of 8 banks and financial institutions.

US Fed Rate.png


News

The Federal Reserve in the US cut interest rates again on 15 March 2020, the second emergency cut this year after dropping 0.5% on 3 March 2020. Even more surprising? The emergency rate cut of 1.0%, to a range of 0% - 0.25%.

Floating Rates.png


Interest Rates

As SIBOR continues to fall in 2020, even the most risk adverse may find value in choosing this volatile type of home loan package. Here's why you should take a floating rate today.

Fixed Rate Home Loans.png


Interest Rates

Depending your risk profile and financial situation, choosing fixed rate home loans may be the best choice. However, you have to consider that no package stays fixed forever, and that it may cost you more in the long run! Surprised? Here's what else you might not know about fixed rates in Singapore.

Contactless Home Loan.png


Home Loan

These days, there are many reasons why you may not want to meet someone face-to-face. Find out how you can apply for home loans in Singapore without ever needing to meet someone!

SIBOR in Singapore.png


Interest Rates

Should you choose a SIBOR rate for your housing loan in Singapore? What is the difference between 3 month SIBOR and 1 month SIBOR? Learn more about the Singapore Interbank Offered Rate and why it is so crucial to your mortgage.

Mortgage Market Broken.png


Home Loan

The mortgage market is like a train threatening to go off the rails. Left to their own devices, homeowners have to spend hours researching through multiple diverse home loan packages offered by several banks in Singapore, or they risk choosing poorly. Mortgage brokers are the solution.

MoneyFM Michelle Martin 0502.png


News

On 5 February 2020, Mortgage Master CEO David Baey was interviewed by Michelle Martin on Money FM 89.3 about choosing the best mortgage loan. Here is the interview transcript.

Board Rates.png


Interest Rates

A board rate is a home loan interest rate that the bank determines internally. There is no transparency to you and me. How this rate is decided and what benchmarks are used are not revealed to the public. Read on to find out why you should avoid these home loan packages.

Guide to Interest Rates.png


Home Loan

Confused about mortgage loans and what they mean in Singapore? What is the meaning of fixed rate home loans or SIBOR? We help you make sense of home loan rates.

Buying a House in Singapore.png


Home Loan

Ready to buy a house in Singapore? Don't forget to consider three things: whether to get a HDB loan or a bank loan, whether you can afford your downpayment, and if you have the ability to pay your home loan monthly instalments!

Why Mortgage Broker.png


Home Loan

Our CEO, David Baey, shares how his time as a banker led him to discover the mortgage broker career. Read about his win-win-win-win strategy for the home loan industry in Singapore!

Interest Rates Rising.png


Interest Rates

Find out why mortgage interest rates are skyrocketing in 2018 and what you can do to make sure your monthly instalment payment does not increase as well.