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New EC Rules May 2026: 10-Year MOP, No DPS, and the 90% First-Timer Quota
Home Loan
Interest Rates
New Purchase
News
Refinancing
07 May 2026
New EC Rules May 2026: 10-Year MOP, No DPS, and the 90% First-Timer Quota

New EC rules effective May 8, 2026: 10-year MOP, 15-year privatization, and the end of the Deferred Payment Scheme (DPS). Learn how these changes impact HDB upgraders.

War in Iran: Why Your Mortgage Might Actually Get Cheaper

How will the Iran conflict impact your home loan? At Mortgage Master, we analyze historical data from 1990 to now to debunk the "War Bond" myth. Learn how the "Recession Effect" actually pushes interest rates down after the initial 90-day spike, and why locking in a fixed rate now could be a costly mistake for your mortgage.

The Hidden Dangers of Unlicensed Moneylending in Singapore

Discover the risks of unlicensed moneylending in Singapore and how to protect yourself. Learn legal options, safe borrowing, and financial literacy tips.

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News Articles

Cash Over Valuation (COV): The Complete Guide For Every Homebuyer and Home Seller
New Purchase
News
06 May 2021
Cash Over Valuation (COV): The Complete Guide For Every Homebuyer and Home Seller

It's been almost 7 years, but cash over valuation is back in the picture! Here's what it means if you're buying or selling a resale HDB flat or a private property

Mortgage Master Raises SG$928,000 in Pre-Series A Funding
News
28 Apr 2021
Mortgage Master Raises SG$928,000 in Pre-Series A Funding

Mortgage brokering platform helps homeowners in Singapore save more than SG$100 million in home loan repayments throughout the pandemic.

Mortgage Master Raises Seed Funding Round of SG$522,500 to Drive Expansion, Vows to Fix ‘Broken’ Mortgage Market
News
03 Feb 2020
Mortgage Master Raises Seed Funding Round of SG$522,500 to Drive Expansion, Vows to Fix ‘Broken’ Mortgage Market

Funding round was oversubscribed and closed within eight days. Strategic capital will reinforce Mortgage Master's vision of ensuring homeowners in Southeast Asia can conveniently find the best mortgages tailored to their needs.

4 Government Policies That Would Change Today's HDB Landscape
New Purchase
News
09 Mar 2021
4 Government Policies That Would Change Today's HDB Landscape

Last week in Parliament, there were several announcements making purchasing an HDB flat easier. However, there have yet to be any details about government policies that would affect future HDB homebuyers. We discuss their effect on HDB flat prices.

Are New Property Cooling Measures Coming in 2021?
New Purchase
News
16 Feb 2021
Are New Property Cooling Measures Coming in 2021?

Will there be new property cooling measures announced at Budget 2021 this afternoon? All signs point to yes. But what can we expect? Here's a look back at how ABSD, SSD, TDSR and MSR affected property prices in Singapore

Cabin Crew Referral Programme
News
15 Oct 2020
Cabin Crew Referral Programme

With many airlines being affected by the COVID-19 pandemic, Mortgage Master has started a referral programme to help affected cabin crew earn additional income during these troubled times.

Is Dr Jamus Lim Wrong about Remortgaging when Interest Rates are Low?
News
04 Sept 2020
Is Dr Jamus Lim Wrong about Remortgaging when Interest Rates are Low?

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.

Why Property Prices in Singapore Aren’t Dropping… Yet
News
01 Sept 2020
Why Property Prices in Singapore Aren’t Dropping… Yet

Despite the effects of the COVID-19 pandemic, on top of entering Singapore's worst recession since independence, property prices aren't falling... yet. Our CEO, David Baey shares his insights about what this means for the property market in the near future.

3 Times Mortgages Were Brought Up in the 13th Parliament in 2020
News
08 Jul 2020
3 Times Mortgages Were Brought Up in the 13th Parliament in 2020

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.

Interview: Mortgage Master CEO David Baey with Michelle Martin, Money FM 89.3
News
19 Feb 2020
Interview: Mortgage Master CEO David Baey with Michelle Martin, Money FM 89.3

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.

Let me know when interest rates drop!