The 10 Best Mortgage Brokers in Singapore

Compare reputable Singapore mortgage brokers for home loans, refinancing, IPA support and bank package advice.

Reviewed by our editors · Updated July 2026 · How we rank

Our verdict: Redbrick Mortgage Advisory is the best mortgage broker in Singapore right now - best all-round choice for most homeowners. Mortgage Master runs it closest.

A good mortgage broker in Singapore does more than quote the lowest first-year rate. The useful ones compare lock-in periods, legal subsidies, repricing options, SORA exposure, valuation risk and TDSR or MSR limits before recommending a bank package.

Most brokers are paid referral fees by banks, so homeowners usually do not pay broker fees. Still, it is worth choosing a team with clear communication, access to major banks, strong refinancing follow-up and enough experience to explain trade-offs before you sign a letter of offer.

01
Redbrick Mortgage Advisory
89/100
Large independent mortgage advisory firm with broad bank access and strong client reviews.
1 Coleman Street #08-11, Singapore 179803
redbrick.sg
$ price range
“Best all-round choice for most homeowners.” - our editors
THEBESTSG STAFF REVIEW
Redbrick takes the top spot because it combines scale with a still-personal advisory model. It is especially strong for homeowners who want a proper comparison rather than a quick rate quote, and reviews frequently mention advisers who explain loan structure, cash-out limits and refinancing steps clearly. The breadth of services also helps if your case is not a plain vanilla HDB or condo loan. The trade-off is that a larger firm can feel less boutique, so the individual adviser assigned to you matters.
Why Redbrick Mortgage Advisory made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It earned first place for its independent positioning, wide service scope, central office, strong review volume and consistent reputation for clear refinancing and purchase guidance.
Redbrick Mortgage Advisory is one of Singapore's most recognisable independent mortgage broker brands. It handles residential property home loans, commercial and industrial property loans, construction loans, bridging loans, international home loans, equity loans and loan eligibility checks. Its website positions the firm around unbiased advisory, application handling, loan selection and home protection, supported by calculators for TDSR, mortgage repayment, stamp duties and returns. Customer feedback on its site highlights clear explanations, responsive advisers and practical help with refinancing, cash-out requests and loan structuring.
THE EDITORS' SCORECARD - 89/100
Unique Service Proposition18/20
Quality of Service19/20
Accessibility18/20
Value for Money17/20
Innovation17/20
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02
Mortgage Master
87/100
Well-reviewed mortgage broker comparing major Singapore bank packages with no broker fees.
1008 Toa Payoh North #05-17, Singapore 318996
mortgagemaster.com.sg
$ price range
“Excellent service depth and clear rate comparison.” - our editors
THEBESTSG STAFF REVIEW
Mortgage Master is a strong pick for borrowers who want a polished, service-driven broker with a clear home loan workflow. Its content is practical, the rate pages are easy to understand, and reviews consistently praise named advisers for being responsive, patient and able to simplify bank package details. It is particularly suitable for time-starved buyers and refinancers who want the admin handled. The trade-off is that advertised rates still need case-by-case confirmation, especially for loan size and property type.
Why Mortgage Master made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It ranks high for transparent no-fee positioning, strong client testimonials, visible rates, multiple loan categories and a practical set of calculators.
Mortgage Master provides mortgage broking for HDB loans, private property loans, BUC loans, refinancing, home equity loans and bridging loans. Its site publishes rate tables, calculators and educational articles, and states that it compares all major Singapore banks while charging no broker fees to clients. It also highlights bank partners, law firm partners and a team-based advisory approach. Recent customer reviews featured on its website repeatedly mention advisers helping with refinancing, fixed rates, SORA explanations, document handling and prompt communication during the loan process.
THE EDITORS' SCORECARD - 87/100
Unique Service Proposition18/20
Quality of Service18/20
Accessibility18/20
Value for Money17/20
Innovation16/20
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03
MortgageWise.sg
86/100
Specialist mortgage broker known for detailed rate reports and early refinancing reminders.
10 Anson Road #05-01 International Plaza, Singapore 079903
mortgagewise.sg
$ price range
“Best for detailed refinancing comparisons.” - our editors
THEBESTSG STAFF REVIEW
MortgageWise.sg stands out for borrowers who want detail. Its advice is more analytical than flashy, with emphasis on interest-rate cycles, lock-in timing, legal subsidies and package flexibility. Reviews on its website point to fast responses, transparent tables and advisers who explain options instead of simply pushing one bank. It is a good fit for refinancers who want to review early. The trade-off is that the site can feel content-heavy, so some users may prefer a simpler quote-first experience.
Why MortgageWise.sg made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It made the top three because of its detailed comparison reports, refinancing reminders, strong Google review base and clear thinking around rate-cycle timing.
MortgageWise.sg is a Singapore mortgage broker focused on purchase loans, refinancing, home equity loans, mortgage insurance and interest-rate-cycle guidance. Its process includes a KYC call, a comprehensive rates report and advice on fixed versus floating packages, subsidies, lock-in periods and penalties. The firm states that its service is free to borrowers because banks pay a referral fee. It also uses CRM reminders to alert clients months before lock-in expiry, which is useful for homeowners trying to avoid late refinancing decisions.
THE EDITORS' SCORECARD - 86/100
Unique Service Proposition17/20
Quality of Service18/20
Accessibility17/20
Value for Money17/20
Innovation17/20
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04
DollarBack Mortgage
85/100
Mortgage broker focused on bank comparison, refinancing rewards and legal fee rebates.
dollarbackmortgage.com
$ price range
THEBESTSG STAFF REVIEW
DollarBack Mortgage is strongest for homeowners who care about net savings, not just headline interest rates. Its cashback and rebate structure can be attractive when refinancing costs matter, and the site is unusually explicit about legal subsidies, rewards and minimum loan conditions. It also compares multiple banks and explains the application process in plain terms. The trade-off is that rewards depend on eligibility and loan size, so borrowers should check the total package carefully rather than focusing only on the advertised cash amount.
Why DollarBack Mortgage made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It was selected for its clear reward-led proposition, wide bank comparison, refinancing cost focus and practical explanations of loan and conveyancing steps.
DollarBack Mortgage compares home loan and refinancing packages across major Singapore banks for HDB flats, private properties, condos, BUC properties and home equity loans. Its website highlights a step-by-step process covering rate comparison, application submission, conveyancing coordination and post-lock-in reviews. A major point of difference is its rewards positioning, including cash rewards and bank legal fee subsidies for eligible refinancing and new loan cases. It also publishes rate tables for HDB, private property and refinancing scenarios.
THE EDITORS' SCORECARD - 85/100
Unique Service Proposition18/20
Quality of Service17/20
Accessibility16/20
Value for Money18/20
Innovation16/20
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05
MoneySmart
84/100
Large comparison platform with mortgage specialists, bank rate tables and home loan tools.
8 Commonwealth Lane #04-02, Singapore 149555
moneysmart.sg
$ price range
THEBESTSG STAFF REVIEW
MoneySmart is useful for borrowers who want a familiar comparison brand, visible bank tables and a guided digital entry point. Its strength is accessibility: the calculators, educational content and mortgage specialist form make it easy to start even if you are early in the buying process. It is less boutique than a specialist brokerage, and the experience may feel more platform-led than adviser-led at first. Still, its scale and consumer finance reach make it a credible option for straightforward home loan comparisons.
Why MoneySmart made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It earns a place for brand trust, accessible tools, broad bank comparisons, visible mortgage specialists and a large base of customer feedback.
MoneySmart is a well-known Singapore personal finance comparison platform with a dedicated home loan section. It compares mortgage rates for new purchases, refinancing, HDB flats, private properties and home equity loans, while offering calculators for TDSR, MSR, stamp duty, repayment and refinancing. Its home loan page introduces in-house mortgage specialists and states that its service is free because banks pay standard referral fees. The platform also publishes home loan guides covering fixed and floating rates, HDB versus bank loans and refinancing considerations.
THE EDITORS' SCORECARD - 84/100
Unique Service Proposition17/20
Quality of Service17/20
Accessibility18/20
Value for Money16/20
Innovation16/20
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06
ROSHI
83/100
Digital loan marketplace matching borrowers with personalised home loan and refinance offers.
7 Temasek Boulevard #12-07 Suntec Tower One, Singapore 038987
roshi.sg
$ price range
THEBESTSG STAFF REVIEW
ROSHI is the most tech-forward option on this list. It is built for borrowers who prefer a digital application, personalised matching and a dashboard rather than calling bank after bank. Its independent marketplace positioning is helpful, and the platform is transparent that final offers depend on lender assessment. The trade-off is that homeowners who want a traditional relationship with a named mortgage adviser from the first call may find the platform route less personal, though broker assistance is available.
Why ROSHI made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It was chosen for its modern application flow, personalised loan matching, regulated-lender focus and useful bridge between comparison technology and broker support.
ROSHI is a Singapore loan matching platform covering home loans, refinance loans, personal loans and business loans. For mortgages, it lets borrowers submit one application and receive personalised home loan offers from different banks, with dashboard-based comparisons and broker support where needed. ROSHI positions itself as an independent marketplace that does not issue loans directly and only lists regulated banks and licensed lenders. Its contact page states that home loan and refinance enquiries are handled through its support process and application platform.
THE EDITORS' SCORECARD - 83/100
Unique Service Proposition18/20
Quality of Service16/20
Accessibility17/20
Value for Money16/20
Innovation16/20
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07
Home Loan Whiz
82/100
Singapore mortgage advisory platform comparing home loan packages across 16+ banks.
homeloanwhiz.com.sg
$ price range
THEBESTSG STAFF REVIEW
Home Loan Whiz is a practical option for borrowers who want fast, direct help through a specialist mortgage platform. It covers the core scenarios Singapore homeowners ask about: new purchase, refinancing, IPA, HDB financing, equity loans and commercial property loans. The tone is straightforward, and the site emphasises free advisory and quick response. The trade-off is that some public contact details are less visible than the larger broker sites, so users may need to start through the enquiry form or WhatsApp widget.
Why Home Loan Whiz made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It was selected for its dedicated mortgage focus, 16+ bank comparison claim, broad loan categories and practical testimonials from borrowers.
Home Loan Whiz is a Singapore-based mortgage advisory platform for new home loans, refinancing, in-principle approval, home equity loans, HDB loans and commercial property financing. Its website states that it compares packages across more than 16 banks and offers free mortgage advisory with fast WhatsApp response. It also covers related services such as conveyancing, mortgage insurance and TDSR guidance. Customer testimonials on the site highlight advisers who were responsive, knowledgeable and able to connect borrowers with suitable bankers.
THE EDITORS' SCORECARD - 82/100
Unique Service Proposition16/20
Quality of Service16/20
Accessibility17/20
Value for Money17/20
Innovation16/20
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08
iCompareLoan
81/100
Mortgage and finance broker offering home loan reports and bank package comparisons.
1 Commonwealth Lane #06-01/02, One Commonwealth, Singapore 149544
icompareloan.com
$ price range
THEBESTSG STAFF REVIEW
iCompareLoan is worth considering if you want a broader finance broker rather than a pure residential mortgage shop. Its coverage of commercial loans, SME financing and equity term loans can be useful for property owners with more varied financing needs. The Home Loan Report angle also gives structure to the comparison. The trade-off is that the website feels less modern than newer platforms, and some content is older, so borrowers should ask for the latest rates and lender appetite before deciding.
Why iCompareLoan made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It earned its spot for its long-running broker presence, home loan report approach, major bank comparison and coverage of residential and commercial property financing.
iCompareLoan is a Singapore mortgage and finance broker covering new home loans, refinancing, home equity term loans, commercial property loans, renovation loans, SME loans and related financing services. Its website describes it as a mortgage analysis platform for agents and advisers, as well as a broker for housing and commercial property loans. It provides a Home Loan Report for comprehensive analysis and compares major banks by rates and benefits. Customer testimonials on the site mention responsive advisers, detailed options and smooth bank referrals.
THE EDITORS' SCORECARD - 81/100
Unique Service Proposition16/20
Quality of Service16/20
Accessibility16/20
Value for Money17/20
Innovation16/20
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09
Mortgage Consultancy
80/100
Boutique mortgage broker handling home loans, refinancing, bridging and equity cash-out loans.
Vertex, 33 Ubi Avenue 3 #04-20, Singapore 408868
mortgageconsultancy.com.sg
$ price range
THEBESTSG STAFF REVIEW
Mortgage Consultancy has an older-school brokerage feel, which can suit clients who want direct consultation and a broad conversation about property financing. Its strength is the range of cases it discusses: AIP, refinancing, equity term loans, SME bank loans and capital raising. The firm also publishes client reviews and has an office address clearly listed. The trade-off is that the online experience is not as polished as the top-ranked brokers, so borrowers may need to engage directly to judge response speed and fit.
Why Mortgage Consultancy made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It was included for its specialist mortgage focus, free consultation model, clear office contact and experience across home, equity and business-linked property financing.
Mortgage Consultancy is a Singapore mortgage broker and home loan consulting company offering new home loans, refinancing, bridging loans, commercial and industrial property loans, decoupling matters, HDB and private property loans and equity term cash loans. Its about page describes a team made up of former bankers, real estate directors, investment and financial advisers. It states that its consultation is free for homeowners and that the firm is paid by banks when clients take up a proposed housing loan offer.
THE EDITORS' SCORECARD - 80/100
Unique Service Proposition16/20
Quality of Service16/20
Accessibility15/20
Value for Money17/20
Innovation16/20
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10
SingSaver
79/100
Established personal finance platform publishing Singapore home loan comparisons and guides.
singsaver.com.sg
THEBESTSG STAFF REVIEW
SingSaver rounds out the list because of its reach, editorial resources and useful mortgage education. It is a sensible starting point for buyers who want to understand how Singapore home loans work before speaking to a bank or broker. The content covers practical issues like lock-in penalties, refinancing costs, HDB eligibility and fixed versus floating choices. The trade-off is important: it is more comparison platform than hands-on mortgage consultancy, so borrowers who need complex structuring should move on to a specialist adviser.
Why SingSaver made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It was selected for its strong consumer finance reputation, extensive home loan guides, bank rate comparisons and usefulness as an early-stage research platform.
SingSaver is a major Singapore personal finance comparison platform with home loan content covering mortgage rates, HDB versus bank loans, refinancing, fixed and floating packages and application steps. Its home loan guide is regularly updated and explains eligibility factors such as TDSR, LTV, income, citizenship and credit profile. While it is less of a traditional boutique mortgage broker than the specialist firms above, it remains useful for borrowers who want market education, bank rate comparisons and a reputable starting point before applying.
THE EDITORS' SCORECARD - 79/100
Unique Service Proposition15/20
Quality of Service16/20
Accessibility17/20
Value for Money16/20
Innovation15/20
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Best Mortgage Brokers in Singapore compared

Rank	Name	Known for	Price
#1	Redbrick Mortgage Advisory	independent · refinancing	$
#2	Mortgage Master	no fees · hdb loans	$
#3	MortgageWise.sg	refinancing · rate reports	$
#4	DollarBack Mortgage	cash rewards · refinancing	$
#5	MoneySmart	comparison platform · calculators	$
#6	ROSHI	digital platform · loan matching	$
#7	Home Loan Whiz	home loans · ipa	$
#8	iCompareLoan	finance broker · home loan report	$
#9	Mortgage Consultancy	boutique broker · equity loan	$
#10	SingSaver	comparison platform · home loan guides	-

Mortgage Brokers in Singapore - your questions

Do mortgage brokers in Singapore charge borrowers?

Most established mortgage brokers do not charge borrowers because banks pay them a referral fee when a loan is completed. Always confirm this upfront, especially for complex property or commercial loan cases.

Can a broker get better home loan rates than going direct to a bank?

Sometimes. Brokers may know current promotional packages, unpublished deviations, legal subsidies and which banks are more receptive to specific borrower profiles. The bigger advantage is usually clearer comparison across banks.

When should I speak to a mortgage broker?

For a purchase, speak to one before exercising the Option to Purchase so you can check affordability and IPA options. For refinancing, start around four months before your lock-in ends.

What should I prepare before contacting a broker?

Prepare your property type, purchase or refinance timeline, estimated loan amount, income details, existing debts, CPF usage and current loan package if refinancing. This helps the broker assess realistic options.

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The 10 Best Mortgage Brokers in Singapore

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