Receive an in-principle decision online within minutes for eligible applications and obtain an instant property valuation.
Online exclusive
Competitive rates, flexible packages and rewards
Eligible online applications may receive up to S$2,700 in cash and/or Takashimaya vouchers, including up to S$2,000 cash for refinancing. The referenced promotion ends 30 September 2026.
Refinancing customers may save on interest and receive an eligible cash rebate under the promotion.
Receive one free package conversion after the lock-in period, subject to the Letter of Offer.
Where sale proceeds from an existing property are pending, eligible bridging finance can support the down payment for a new home.
Online sign-up gifts
Rewards based on accepted loan amount
S$300,000 to below S$500,000S$200 Takashimaya vouchers
S$500,000 to below S$1,000,000S$400 Takashimaya vouchers
At least S$1,000,000S$700 Takashimaya vouchers
Gifts are subject to qualifying criteria, availability and the applicable promotion terms.
Home-loan packages
SORA and fixed-rate choices
Year 13-month Compounded SORA + 0.70% p.a.
Year 23-month Compounded SORA + 0.70% p.a.
Year 33-month Compounded SORA + 0.80% p.a.
Year 4 onwards3-month Compounded SORA + 1.00% p.a.
Lock-in period2 years
Minimum loan sizeS$250,000 for the displayed promotional tranche
Planning tools
Understand what you can afford
Affordability
Estimate an appropriate property price and loan amount based on income, savings and existing commitments.
Instant valuation
Obtain an indicative valuation to support planning and the financing application.
Prepayment flexibility
Selected packages allow partial prepayment or property sale, subject to the Letter of Offer.
Important information
Rates and packages are subject to tranche availability, credit assessment, property valuation, regulatory limits and UBGROUPSG approval. SORA is a floating benchmark and monthly repayments may change. Refer to the Letter of Offer for binding terms.