Home Loan (Refinancing)

Different packages to suit your needs

OCBC 2Y Fixed Rate

2-Year Fixed Rate at 2.68% for the 1st two years

  • Protects you from rate fluctuations for the first 2 years.
  • Pegged to OCBC mortgage board rate (bank managed rate) from Year 3.

OCBC mortgage board rates

2.30% for the
1st three years

  • Bank-managed rates and the bank can revise the values at anytime by giving you 30 days' notice.
  • In OCBC, mortgage board rates are defined for specific pricing packages. Should the mortgage board rate on your account be increased, you will have the flexibility to switch to another OCBC pricing package at no cost.
  • The current mortgage board rate pricing packages are availed with mortgage board rates at 1.55%.
  • You have the flexibility to prepay up to 50% of the loan amount within the lock-in period.
Read moreRead less

3-month or
6-month SIBOR

+0.35% for 1st year, +0.45% for 2nd year, +0.50% for the 3rd year,
thereafter +0.60%

  • Rates are pegged to the 3-month/6-month SIBOR and reviewed every 3 months/6 months respectively. 

    SIBOR(Singapore Interbank Offered Rate)

    SIBOR is the rate at which banks lend to one another. When it falls, so do rates for variable or SIBOR-linked mortgages. When the SIBOR rises, you have to fork out more."
  • Payments can increase or decrease based on SIBOR rates.

Amount you can borrow

From S$200,000

Private property
From S$300,000

Calculate how much you can borrow
Check affordability and view homes

Application Process

Contact an OCBC Mortgage Specialist or talk to our branch staff
Submit documents at a branch or to an OCBC Mortgage Specialist
Get loan approval
Sign Letter of Offer

Overcome home buying fears with
OCBC OneAdvisor Home

All your home ownership needs on one digital platform. Home search, affordability advisory, renovation, home insurance, and more.

Find out more

You might also be interested in

Buying a 
new HDB or 
private property?

Get a loan for up to 75% of the valuation.

Find out more

to renovate 
as well?

Stretch your imagination and not your budget with the OCBC Renovation Loan.

Find out more

How to apply?

Get us to call you by providing us
with your contact details

Have us contact you

Or call our hotline

6363 3333

Operating hours are from 9am to 5pm, Mondays to Fridays
(excluding public holidays)