Mortgage Master - Author

Blog Articles by Peter Lin

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News Peter Lin

It was an interesting day in Parliament when Dr Jamus Lim of the Workers' Party gave his maiden speech. Of interest to us, the concept of "remortgaging" came up! We discuss what Dr Jamus and Mr Sitoh Yih Pin were actually talking about.

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Refinancing Peter Lin

It is definitely a good idea to refinance your housing loan in Singapore. The main reason is to save money in the long run, but you can also enjoy other benefits offered by the banks! However, take the time to learn more about the fees and costs involved in refinancing before you make your decision.

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News Peter Lin

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.

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Refinancing Peter Lin

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.

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News Peter Lin

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?

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Interest Rates Peter Lin

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.

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Home Loan Peter Lin

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.

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Home Loan Peter Lin

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

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News Peter Lin

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?

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News Peter Lin

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.

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News Peter Lin

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%.

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Interest Rates Peter Lin

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.

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Interest Rates Peter Lin

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.

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Home Loan Peter Lin

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!

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Interest Rates Peter Lin

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.

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Home Loan Peter Lin

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.

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News Peter Lin

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.

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Interest Rates Peter Lin

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.

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Home Loan Peter Lin

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.

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Home Loan Peter Lin

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!

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Interest Rates Peter Lin

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.


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