The 7 Best Mortgage Brokers in Singapore

Finding the right mortgage broker in Singapore can be a game-changer when it comes to securing the best loan terms for your dream home or investment property. With so many options available, it’s crucial to choose a broker who understands the complexities of the Singaporean property market and can offer tailored advice to suit your financial goals. In this guide, we will highlight the 7 best mortgage brokers in Singapore, focusing on their expertise, range of services, and how they can help simplify the process of securing a mortgage.

  • Providing access to a variety of loan packages from multiple banks and financial institutions.
  • Offering personalized financial consultation to identify the best mortgage plan for your needs.
  • Helping with loan application processes and ensuring all required documents are in order.
  • Negotiating interest rates and terms with lenders on your behalf.
  • Advising on refinancing options to save money on existing loans.
  • Providing detailed comparisons of loan structures, repayment schedules, and hidden fees.
  • Ensuring compliance with Singapore’s property regulations and guidelines.
  • Price range for broker services: Free consultation to approximately $500-$1,500, depending on the scope of services and complexity.
7

Number of companies

2017

Verified reviews

4,90

Average rating

Lendela Pte Ltd
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1. Lendela Pte Ltd

★ ★ ★ ★ ★ 4,9/5
176 Orchard Rd, #05-05, 238843, Singapore
  • Finance broker

Why we chose them

Lendela Pte Ltd. stands out as Singapore’s premier digital platform for matching individuals with tailored personal loan options. Through a single, streamlined online application, users can access personalized loan offers from over 70 banks and licensed lenders in minutes. The platform prioritizes transparency and simplicity, empowering borrowers to compare and select the best loan options confidently. With its innovative matching model, it ensures users receive competitive rates without the hassle of multiple applications, all while safeguarding their credit scores. Best of all, the service is entirely free of charge.

Specializing in personal loans for various needs, Lendela has helped thousands of Singaporeans secure financing for weddings, renovations, debt consolidation, and more since its inception in 2018. By leveraging advanced technology and a customer-centric approach, the company simplifies the loan search process, making it efficient and stress-free. With a dedicated Customer Relationship team ready to assist at every step, Lendela has positioned itself as a trusted and indispensable resource for borrowers seeking fast, accurate, and personalized financial solutions.

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Iqrate
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2. Iqrate

★ ★ ★ ★ ★ 5,0/5
12 Arumugam Road, B, #02-02B LTC Building, 409958, Singapore
  • Mortgage broker

Why we chose them

IQrate stands out as Singapore’s first mortgage fintech platform, revolutionizing the home loan experience with its cutting-edge technology. By offering an AI-powered, all-in-one mortgage and finance app, the company simplifies every step of the mortgage process, from initial application to refinancing. With features like real-time rate tracking, smart calculators, and the innovative iTrack tool for refinance monitoring, users can make informed financial decisions effortlessly. The platform guarantees access to exclusive, competitive rates tailored to individual needs, ensuring a seamless and rewarding experience for homebuyers and refinancers alike.

Designed with transparency and simplicity at its core, IQrate provides advanced tools to streamline mortgage advisory. Its user-friendly app enables clients to compare rates, apply directly to banks, and even earn cash rewards for successful applications. The company’s AI-driven SmartMatch feature identifies the best mortgage offers, while its lead generation capabilities support independent brokers in managing client submissions efficiently. Known for its dedication to customer satisfaction, the platform has garnered rave reviews for its intuitive interface, timely updates, and exceptional support, making it a trusted name in Singapore’s mortgage landscape.

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Tes Capital Investments
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3. Tes Capital Investments

★ ★ ★ ★ ★ 5,0/5
1 W Coast Dr, #01-39 NEWest, 128020, Singapore
  • Finance broker
  • Insurance broker

Why we chose them

TES Capital Investments Pte Ltd. stands out as Singapore’s leading specialist in traded endowments and resale insurance policies, offering unparalleled financial solutions to those seeking immediate cash flow or investment opportunities. Renowned for its commitment to service excellence and financial integrity, the company assists clients in selling their life and endowment insurance policies by providing the highest possible surrender value and immediate cash payouts. With a focus on genuine support, TES has helped thousands of Singaporeans from all walks of life unlock urgently needed funds, building a reputation for its honest advice, heartfelt commitment, and unwavering dedication to client satisfaction.

As both a finance broker and insurance broker, TES Capital caters to a diverse clientele, offering a curated portfolio of investment-grade resale endowment policies from trusted entities such as AIA, AXA, Great Eastern, Prudential, and more. With over 2,000 policies transacted and more than $50 million invested in traded endowments, the company is a trusted partner for investors and financial advisors alike. TES is lauded not only for its transparent and efficient processes but also for its high compliance standards, making it a preferred choice for those seeking reliable financial solutions in Singapore’s dynamic market.

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Odin Mortgage
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4. Odin Mortgage

★ ★ ★ ★ ★ 5,0/5
50 Raffles Pl, Level 30 Singapore Land Tower, 48623, Singapore
  • Mortgage broker

Why we chose them

Odin Mortgage stands out as a premier Australian mortgage broker specializing in assisting Australian expats and foreign nationals worldwide. Renowned for its tailored approach, the company excels in securing pre-approvals and refinancing solutions specifically designed for non-residents of Australia. Whether clients aim to buy property in Australia or refinance an existing mortgage to access equity, reduce interest rates, or lower repayments, Odin Mortgage offers personalized services to ensure clients achieve their financial goals. Their expertise spans a range of property types, from houses and apartments to land and construction projects, making them a trusted partner in the global expat community.

The company’s comprehensive range of resources, including calculators and guides, empowers clients with actionable insights into Australian mortgages, refinancing processes, and investment opportunities. By collaborating with an extensive network of expat-friendly lenders, Odin Mortgage simplifies the complexities of home financing, even for those navigating unique challenges as overseas residents. With a strong focus on clear communication, efficiency, and end-to-end support, this mortgage broker has become a reliable choice for expats seeking to build wealth and secure property investments in Australia with confidence.

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Policypal
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5. Policypal

★ ★ ★ ★ ★ 4,4/5
63 Chulia St, #15-01, 49514, Singapore
  • Finance broker
  • Financial planner
  • Insurance broker

Why we chose them

PolicyPal – AMTD PolicyPal Group is a leading InsurTech company based in Singapore, operating under AMTD Digital. The company stands out for its innovative approach to financial wellness, combining technology with personalized services to help users achieve their financial goals. It offers a comprehensive range of services, including finance brokering, financial planning, and insurance brokering. Its entities include PolicyPal Pte. Ltd., Baoxianbaobao Pte. Ltd., PolicyPal Tech Pte. Ltd., and ValueChampion, with Baoxianbaobao Pte. Ltd. licensed and regulated by the Monetary Authority of Singapore as an insurance broker and exempt financial adviser.

Dedicated to making insurance and financial management accessible, the company leverages cutting-edge technology to offer personalized portfolio comparisons and digital insurance solutions. Despite temporarily undergoing a website revamp to enhance user experience, PolicyPal continues to prioritize empowering individuals on their financial wellness journey. With its strong foundation in FinTech and innovative services, the company exemplifies a modern approach to managing lifestyle-oriented insurance and financial planning needs.

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Home Loan Singapore Pte. Ltd
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6. Home Loan Singapore Pte. Ltd

★ ★ ★ ★ ★ 5,0/5
82 Lor 23 Geylang, #04-09, 388409, Singapore
  • Mortgage broker

Why we chose them

Home Loan Singapore Pte. Ltd. stands out as a trusted and expert mortgage broker, specializing in helping clients navigate the complexities of financing their dream homes. With a client-centric approach, the company provides tailored advice and solutions to ensure seamless and efficient mortgage processes. Their dedication to simplifying home financing has earned them a reputation for reliability and professionalism in the industry.

The company’s expertise in the mortgage sector ensures that clients receive personalized guidance to secure the best loan options suited to their needs. By focusing on delivering exceptional service and in-depth knowledge, they empower individuals to make informed decisions about their home loan journeys. Their commitment to excellence makes them a valuable addition to our directory.

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Capital Ventures Pte Ltd
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7. Capital Ventures Pte Ltd

★ ★ ★ ★ ★ 5,0/5
2 Yishun Industrial Street 1, 768159, Singapore
  • Finance broker
  • Business broker
  • Business management consultant
  • Consultant
  • Mortgage broker

Why we chose them

Capital Ventures Pte Ltd. stands out as a trusted loan and mortgage brokerage firm, catering specifically to the financial needs of local SMEs in Singapore. With a team of industry experts, the company specializes in securing working capital for business cash flow, expansion, and other growth initiatives. Their comprehensive services include unsecured loan financing, trade financing, mortgage and equity term loans, refinancing, and innovative options like P2P lending and ad-hoc factoring. By partnering with reputable financial institutions, they ensure businesses receive tailored financial solutions that align with their goals, all while simplifying the application process for busy entrepreneurs.

Known as Singapore’s #1 SME-focused financial comparison platform, the company provides a hassle-free and unbiased approach to finding the best financial packages. From business term loans to property financing, their expertise enables clients to make informed decisions, save on refinancing costs, and access fast approvals. Having served over 1,050 businesses and facilitated significant savings and funding, their proven track record highlights their dedication to delivering exceptional results. With tools like mortgage calculators and personalized consultancy, they’ve become a trusted partner for businesses looking to optimize their financial management strategies.

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Frequently asked questions

What services do mortgage brokers in Singapore typically offer?

Mortgage brokers in Singapore provide a range of services, including comparing loan packages from multiple banks, offering personalized financial consultations, assisting with loan applications, negotiating interest rates, advising on refinancing options, and ensuring compliance with Singapore's property regulations.

How much do mortgage broker services usually cost in Singapore?

The cost for mortgage broker services in Singapore typically ranges from free consultations to approximately €350 to €1,000, depending on the scope of services and the complexity of the mortgage requirements.

How long does it take to secure a mortgage with the help of a broker?

The timeline to secure a mortgage with a broker's assistance can vary but generally takes 2 to 4 weeks, depending on the responsiveness of the client, the complexity of the application, and the processing times of the chosen lender.

What should I consider when choosing a mortgage broker in Singapore?

When choosing a mortgage broker in Singapore, consider their experience in the local property market, range of lender partnerships, reviews or testimonials from past clients, transparency in fees, and their ability to offer personalized advice tailored to your financial goals.

Are there any hidden fees when working with a mortgage broker?

Reputable mortgage brokers in Singapore are typically upfront about their fees. However, it’s important to ask for a breakdown of all costs, including potential administrative charges or commissions, to avoid unexpected expenses.

Can a mortgage broker help with refinancing an existing loan?

Yes, mortgage brokers in Singapore can assist with refinancing existing loans by comparing new loan packages, negotiating better interest rates, and advising on the most cost-effective options to reduce overall repayment costs.

Do mortgage brokers work with all banks and financial institutions in Singapore?

Most mortgage brokers in Singapore have partnerships with a wide range of banks and financial institutions, but not all. It’s a good idea to confirm the list of lenders they work with to ensure you have access to comprehensive options.

Is it better to go directly to a bank or use a mortgage broker in Singapore?

Using a mortgage broker can often provide more benefits, such as access to a variety of loan packages, tailored advice, and assistance with the application process. However, if you have a strong relationship with a particular bank, going directly might also be an option worth exploring.

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