New Home Purchase
HDB, condo, or landed, matched to the right package for your buyer profile.
19 Banks Compared · Free Broker Service
Compare Best Mortgage Rates Across 19 Banks in One Call
Whether you’re buying your first home or refinancing an existing loan, one conversation with our team gets you rates from every major bank, including promotional pricing banks don’t publish.
Promotional Cash Rebate of Up to S$1,000
*Cash rebate applies to selected packages only. Terms and conditions apply, ask us for full details during your consultation.
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~1.27%
Lowest Floating (Private)
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~1.30%
Lowest Fixed (2-Year)
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2.60%
HDB Concessionary Rate
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19
Banks Compared
Indicative rates, subjected to change from time to time, confirm up to date pricing during your consultation.
Switching to Think SME, Without the Hassle
Refinancing
Switch to a lower rate once your lock-in ends, most borrowers overpay simply by not reviewing.
Fixed vs. Floating (SORA)
We explain the real trade-off, not just the headline rate, based on your risk comfort.
HDB vs. Bank Loan
We help you weigh the HDB concessionary rate against current bank packages.
How It Works
One Conversation Instead of 19 Calls
Tell us once what you need, purchase or refinance, property type, loan size, and we bring back real offers from across our banking panel.
Free to you
Zero Cost, Same Great Rate
Banks pay us a referral fee upon successful disbursement, your rate is identical to applying direct.
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19 banks compared in one consultation
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Access to promotional rates not published online
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Same rate as applying directly, no premium
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Up to S$1,000 cash rebate on selected packages*
*Terms and conditions apply. Ask us which packages qualify.
Compare My Rate
Why Think SME
Same Team for Your Mortgage and Your Business
One Consultation, 19 Banks
We do the calling. You get a side-by-side comparison, not 19 separate conversations.
Business Owner? We Already Know Your Numbers
If we handle your accounting or incorporation, your mortgage application is faster because your financials are already clean.
A Person, Not a Portal
Our mortgage team explains the trade-offs, not just the lowest headline rate.
We Flag Refinancing Windows
Once you’re a client, we tell you when your lock-in is ending, before your rate quietly resets higher.
The Big Decision
Fixed or Floating (SORA)?
Fixed Rate
~1.30% (2-Year)
Payment stability for the lock-in period, no surprises if the market moves. Best if you value certainty or plan to hold the loan through the full lock-in.
Floating (SORA-Pegged)
~1.27%
Tracks the market benchmark plus a bank spread. Can be cheaper when SORA is low or falling, but instalments move if rates rise. Suits borrowers comfortable with some variability.
Indicative rates, subjected to change from time to time, confirm up to date pricing during your consultation.
Google Reviews
See Why Founders Recommend Think SME
Common Questions
Questions Singapore Business Owners Ask Us First
How much does it cost to set up a company in Singapore?
Think SME's all-in company setup package starts from S$888, which covers the ACRA government registration fee, company constitution preparation, registered office address, and first-year corporate secretarial service. The ACRA government fee alone is S$315, our professional package bundles everything a new Singapore company needs from day one. Contact us for a full transparent quote tailored to your business structure.
When must my Singapore company register for GST?
You must register for GST within 30 days once your taxable turnover goes over S$1 million: either at the end of a calendar year (retrospective basis) or when you expect it to exceed S$1 million in the next 12 months (prospective basis). Below that threshold, registration is voluntary, and if you register voluntarily you must stay registered for at least two years. Once registered, you charge GST at 9% and file returns with IRAS, usually every quarter. We can check whether you need to register and handle the application and filings for you.
How fast can Think SME incorporate my Singapore company?
Once we have your documents and identity checks completed, most companies are incorporated within 24 hours, because the name is approved instantly and ACRA registers the company the same day. It takes longer if your proposed name contains words that ACRA refers to another authority (for example “bank”, “law” or “school”), or if a foreign founder still needs a locally resident director, which we can provide. Everything is done online, so you don’t need to be in Singapore.
What is the corporate tax rate in Singapore?
Singapore charges a flat 17% corporate income tax on chargeable income, and exemptions bring the effective rate well below that for most SMEs. A new company can claim the Start-Up Tax Exemption for its first three Years of Assessment (75% of the first S$100,000 and 50% of the next S$100,000 exempt). Other companies get the Partial Tax Exemption (75% of the first S$10,000 and 50% of the next S$190,000). Corporate Income Tax rebates announced in the Budget can reduce the bill further in some years. Try our tax calculator for an estimate.
My bank rejected my SME loan application, what can I do?
A rejection from one bank doesn’t mean you can’t get financing. Every lender has its own criteria for years in operation, revenue, profitability, industry and credit history, so a profile one bank turns down can suit another. Our ex-banker team reviews your financials, explains why you were declined and matches you against 60+ banks and alternative lenders, including government-assisted Enterprise Financing Scheme loans. The assessment is free and doesn’t commit you to anything.
What makes Think SME different from competitors?
One team covers your whole journey: incorporation, corporate secretary, registered address, accounting, GST and corporate tax, plus business financing and grants. We’re an ACRA Registered Filing Agent, an IMDA pre-approved vendor and Xero Certified Advisors, and our financing team of former bankers compares 60+ lenders for you. Pricing is transparent and agreed upfront, and our clients rate us 4.9 on Google.
Ready to compare rates?
One consultation, 19 banks compared, no cost to you.
4.9
