Mortgage Supermart Singapore

26/10/2026

Singapore Real Estate Market Trends: Q3 2026

Key themes:

1. Private Home Price Acceleration: Private residential property prices rose 1.4% q-o-q in Q3 2026 (up from 0.5% in Q2), bringing year-to-date growth to 2.8%. Landed properties led appreciation (+2.9%), followed by suburban condos (+2.3% in the Outside Central Region).

2. Rental Market Gain: Rents for private residential properties climbed 1.3% q-o-q, marking the strongest quarterly rental gain in over three years.

3. HDB Resale Volume Surge: Public housing resale transactions jumped 19.5% q-o-q to 7,645 units—the highest quarterly transaction volume since 2024—driven by demand following policy adjustments such as the removal of the 15-month wait-out period for private property owners buying non-subsidised resale flats.

4. Substantial Housing Supply Ramp-Up: To maintain market stability, URA is sustaining a high land sales supply under the Government Land Sales (GLS) Confirmed List (9,320 private housing units for full-year 2026).

5. Full-Year Outlook: Industry forecasts from CBRE project full-year 2026 private home price growth between 2% and 4%, supported by anticipated major project launches in the fourth quarter.

Not sure if your paying the lowest rate on your mortgage?
Whatsapp us @ 9171 0456 / URL: wa.link/l46cdc for a no-obligation mortgage health check today!

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24/09/2026

Unlocking Cash from Your Home: A Guide to 5Ws of Property Equity Term Loans in Singapore

Contact us @ 9171 0456 / URL: wa.link/l46cdc for a no obligation discussion today.

22/09/2026

Unlocking Cash from Your Home: A Guide to 5Ws of Property Equity Term Loans in Singapore

If you own a property in Singapore that has appreciated in value over time, you may be sitting on a significant amount of untapped wealth. A Property Equity Term Loan allows you to convert that home equity into liquid cash without having to sell your asset.

1. WHAT is a Property Equity Term Loan?

A Property Equity Term Loan—also commonly referred to as a Home Equity Loan, Mortgage Equity Withdrawal Loan (MEWL), or Cash-Out Refinancing—is a secured loan that lets homeowners borrow money against the paid-up value (equity) of their property.

Because the loan is backed by real estate as collateral, interest rates are substantially lower than unsecured options such as personal, business, renovation and credit card loans.

Banks can offer cash out up to a total Loan-to-Value (LTV) limit of up to 75% of your property’s current market value (including existing mortgages and CPF monies used).

2. WHO is Eligible?

• Owners of private residential properties (such as private condominiums and landed homes).
• Executive Condominium (EC) owners are eligible once their 5-year Minimum Occupation Period (MOP) has expired.
• Commercial and industrial properties in Singapore.

*HDB flat owners are ineligible as HDB explicitly prohibits using public housing as collateral for private equity loans.

3. WHEN Should You Consider One?

An equity term loan is ideal when you need access to a large sum of low-interest capital for significant financial milestones or strategic needs, including:

• Debt Consolidation: Clearing high-interest unsecured loans or credit card balances.
• Home Renovation & Upgrades: Financing major home improvements.
• Business Expansion: Injecting capital into business operations or investments.
• Education & Family: Paying for children's overseas university tuition fees.
• Asset rich but cash poor: Need liquidity for cash flow and general expenses.

4. WHERE Can You Get One?

Equity term loans are offered by major financial institutions such as DBS, OCBC, UOB, HSBC, Maybank and Standard Chartered etc. as well as non-bank lenders that offers bespoke alternative solutions for mortgagors with unique needs or have lower credit standing.

5. WHY Choose an Equity Term Loan?

• Lower interest rates than unsecured personal loans or credit lines, since the loan is collateralised.
• Larger loan quantum — property-backed borrowing typically allows access to significantly more capital
• Longer repayment tenures, easing monthly cash flow
• No need to sell or downsize — you retain full ownership and any future upside in property value
• Possible TDSR Exemption where the LTV of the loan, when aggregated all other loans secured on the same property does not exceed 50%. This could help meet the needs of borrowers who need the flexibility to monetise their properties in their retirement years, i.e. to borrow against the value of their properties to obtain additional cash.

6. Example.

Consider Mr. Tan, who owns a private condo in Singapore:

Current Market Value: S$1,500,000
Maximum Allowable LTV (75%): S$1,125,000
Outstanding Housing Loan: S$400,000
CPF Monies Used (plus accrued interest): S$200,000
*Outcome: Mr. Tan can cash out up to S$525,000.

7. How to get started?

> Assess income, property and loan amount
> Compare packages and select banks
> Submit application
> Sign letter of offer
> Legal completion and disbursement

Ready to Explore Your Options? Every property, income profile, and financial goal is different — and TDSR, LTV, and bank-specific terms can significantly change what's actually available to you. If you'd like to find out how much equity you could unlock from your property, reach out for a no-obligation consultation and we'll walk you through the numbers, compare bank packages, and help you make an informed decision.

09/08/2026

Happy 61st National Day, Singapore! 🇸🇬

From a small island to a thriving nation — built on the hard work, unity, and dreams of every generation. Many of those dreams started with a home of their own.

As we celebrate how far Singapore has come, we're proud to help more families build their own piece of it — one home loan at a time and we'd love to help you start your next chapter on the best possible terms. Majulah Singapura! 🇸🇬🎆

📩 Whatsapp us @ 9171 0456 to explore your best home loan options today!

05/08/2026

🚨 Singapore's commercial property market just posted its strongest half-year on record.

$35.2 BILLION in commercial real estate investment in H1 2026 alone — already surpassing all of 2025's full-year volume, and closing in on the historic $36.8B peak set back in 2017. 📈

Here's where the bulk of money went:
🏢 Office — $11.6B (32.9% of total volume, driven by Grade A demand)
🛍️ Retail — $6.3B (highest volume since 2022)
🏭 Industrial — $4.0B (fueled by owner-occupier divestments)

And the tailwind driving it all?
✅ SORA benchmark down to 1.0% — from a 2024 peak of 3.8%
✅ All-in borrowing costs now at 2.2%–3.0%
✅ Positive yield spreads are back — rental income now exceeds financing costs on most leveraged commercial assets

Lower rates. Wider spreads. Record capital inflows. If you've been sitting on the sidelines waiting for the right window to finance a commercial acquisition — this data suggests the market thinks it's now.

📩 Whatsapp us @ 9171 0456 to discuss your commercial industrial financing options today!

27/07/2026

𝐒𝐢𝐧𝐠𝐚𝐩𝐨𝐫𝐞 𝐏𝐫𝐢𝐯𝐚𝐭𝐞 𝐇𝐨𝐮𝐬𝐢𝐧𝐠 𝐌𝐚𝐫𝐤𝐞𝐭 𝐔𝐩𝐝𝐚𝐭𝐞 𝐉𝐮𝐥𝐲 𝟐𝟎𝟐𝟔

- Price growth forecast of 2% - 5%
- Rental growth of 1% - 3%
- Singaporeans and SPR account for 98.5% of all private housing purchases.
- SORA rates have fallen by over 2.60% since late 2023.

Mortgage borrowing costs have fallen back to the 1%+ lows. Our mortgage brokerage team tracks rate movements across all 16 Singapore banks so you don't have to. We'll help you compare packages side by side, time your refinancing or repricing decision, and structure your loan around your actual financial goals and not just headline rate.

Whatsapp us @ 9171 0456 / URL: wa.link/l46cdc for a no-obligation free consult and see exactly how much you could be saving today!

20/07/2026

Home loan rates move fast — and locking in the right one can save you thousands over the life of your loan. Whether you're eyeing your first HDB flat, upgrading to a condo, or just want to check if refinancing makes sense right now, we'll break it down for you — no jargon, no pressure.

✅ Compare fixed vs floating (SORA-pegged) packages
✅ Understand how TDSR affects your loan quantum
✅ Get a personalized rate comparison today!

💬 Drop us a whatsapp @ 9171 0456 / URL: wa.link/l46cdc for a free consultation — let's find the loan that actually fits your life.

07/07/2026

🏠 Home Loan Rates Just Hit Multi-Year Lows! 📉

✅ Fixed rates from as low as 1.40% p.a.
✅ Floating rates from SORA + 0.00% (~1.18%)
✅ HDB home loan bank packages significantly below HDB's concessionary rate of 2.6%!

Whether you're refinancing your HDB loan, upgrading to a condo, looking to cash out excess equity from your private property or sitting on a loan that's still stuck at a high interest rate of over 2%+, this could be the right time to review your options.

💬 WhatsApp us for a free, no-obligation rate check. Let's find YOUR best fit — fixed or floating, HDB or private.

📲 WhatsApp 9171 0456/Link: wa.link/1svlyw
Rates are indicative, change frequently, and are subject to bank approval and individual loan profile.

16/02/2026

As we welcome the Lunar New Year, the team at Mortgage Supermart wishes everyone a season filled with boundless energy, remarkable speed, and soaring success. 🧧✨

May this year ignite new opportunities and bring "Mǎ Dào Gōng Chéng" (马到功成) — instant success in everyone's venture! 📈

Wishing all and your loved ones a joyful celebration filled with health, happiness, and prosperity. 🍊🍊

Happy Chinese New Year!! 🧧✨

29/12/2025

Rental market stabilises, with higher supply set to cap growth in 2026

Singapore's rental market stabilizes, with private residential rents and HDB rental growth set to be capped by rising supply in 2026. Read more at straitstimes.com. Read more at straitstimes.com.