• Hello SORAHello SORA

    Hello SORA

    Welcome to the new UOB 3-Month compounded SORA Home Loan package.

    Find out more

  • Calculate, valuate and secure your HDB home loan instantlyCalculate, valuate and secure your HDB home loan instantly

    Calculate, valuate and secure your HDB home loan instantly

    A simple way to secure your dream home online with UOB Home Solution

    Find out more
  • Home LoanHome Loan

    Celebrate this festive season with gifts of up to S$3,800* and an exclusive UOB home loan rate*

    Submit your loan application directly to us online or speak to a banker today!

    Find out more

    *Full T&Cs apply.

  • refinancingrefinancing

    The power is in your hand

    Refinance your residential or commercial property with UOB to enjoy great savings. Plus, unlock the potential of greater financial flexibility today!


As interest rates are constantly changing, a good rate five years ago may not be a good rate now. Why not consider refinancing, especially when interest rates go down? It will also be an opportunity to replace your existing home loan with a new one that may be a better fit for you.



Lower your monthly payments

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Pay off your mortgage faster

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Unlock cash value from your property

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There are different ways of achieving lower monthly repayments. You can switch to another loan type, such as from a fixed-rate loan to a floating-rate one. Alternatively, you can consider extending the tenor of your loan. However, bear in mind that while your monthly repayment would go down if you were to extend your loan tenor, you will end up paying more in interest expenses over the duration of the loan.


When you reduce the interest rates on your existing loan, you also reduce the interest component and increase the principal component of your monthly instalments. Thus, you will pay down your loan principal over a shorter tenor.

On the same note, if you would like to shorten your repayment schedule by reducing your loan tenor and can afford the increase in monthly instalments you could save a significant amount of money by reducing the interest that you will pay over the full duration of the loan. Although this may mean higher monthly repayments, you will own your home faster and be free of mortgage debt sooner.


With property appreciation, your residential or commercial property is likely to be worth more now than when you first took up your original loan. Tap into the appreciated value of your property to do great things – expand your business, have a home makeover or go on a luxury vacation.


About SORA

Illustration of 3-Month Compounded SORA

The 3-Month Compounded SORA is updated every 3 months.



D% and E% are 3-Month Compounded* SORA published by MAS on 4 Mar 2021 and 4 Jun 2021 respectively.


Find out more on how SORA works here


*Further reading material on use of SORA in financial contracts:



UOB 3-Month Compounded SORA Home Loan Package NEW


Welcome to the new UOB 3-Month compounded SORA Home Loan package that gives you better control of your finances.

  UOB 3-Month Compounded SORA Home Loan
Year 1 3M Compounded SORA + 1.25% p.a.
Year 2 3M Compounded SORA + 1.25% p.a.
Thereafter 3M Compounded SORA + 1.40% p.a.
Lock in Period 1 year
Partial Prepayment during lock-in Flexibility to prepay. T&Cs apply.
Rate Refresh Every 3 months
Free Conversion 1 free conversion after lock in
Legal subsidy For refinancing only, 0.4% of loan amount capped at $1,800, subject to 3 year clawback.


3M Compounded SORA refers to the 3-month Compounded SORA that is published on MAS’ website.  It is currently at 0.12% p.a. (as at 15 Dec 2020). Find out more on SORA.

  • Above rates quoted are indicative and valid for completed residential properties in Singapore, for new purchase or refinancing from another bank/HDB.
  • Rates are subject to min. loan size.
  • Rates and benefits will only be confirmed upon issuance of Letter of offer. The Letter of Offer shall contain such terms and conditions as UOB may require in relation to each property loan.
  • Rates and benefits are subject to changes without prior notice.

Submit your loan application online now and our banker will be in touch with you to share more about the 3-Month compounded SORA Home Loan package.

Apply Now

Other Common Questions


Depending on the terms of your existing mortgage, you may face prepayment penalties or subsidy clawbacks when you refinance. It usually makes financial sense to refinance if you can get interest rates that is lower than the rate you are currently paying.

You may wish to consider the following issues to determine if it is the right time to refinance your home loan:

  • What is the remaining tenor on my existing home loan?
  • How long do I plan to reside in my home or hold it as an investment?
  • How much lower will my monthly instalments be after refinancing?
  • Are there any upfront costs for refinancing?
  • What is the current economic value of my home?

Apply Now

NEW! Switch and save easily with our instant Home Loan approval1.

Apply Online


For Singaporeans and PRs:
Click on "APPLY NOW" to apply for a new UOB Home Loan with forms pre-filled by retrieving your personal information with MyInfo. Applications submitted between 8.30am to 9pm daily will be processed instantly. Applications received outside these times will be processed the next working day.  

For Foreigners and U.S. Persons:
Please leave us with your details so we can contact and assist you.

*Terms and Conditions apply

1Instant approval refers to a conditional approval for a UOB Property Loan, and is granted based on the information provided by the applicant. It is processed and approved by UOB, and is subject to the applicable terms and conditions, including the necessary documentation verification and completion.

More Information

  • The Board Rate (BR) quoted is applicable only for the loan package that you are interested in (eg. HDB flat financing at fixed rate). The financial indicator(s) against which that BR is benchmarked, such as the SIBOR, Prime Rate or CPF rate, will also be disclosed. The current applicable Board Rate is 0.85% p.a.
  • The BR offered for your loan package may be different from BRs offered to other customers for different loan packages.
  • The BR can be changed by the bank anytime, by giving 30 days' notice, depending on market conditions and/or changes in the financial indicator(s) against which the BR is benchmarked. This 30-day notice requirement does not apply to home loans benchmarked against market indices.
  • The loan repayment schedule for the loan package that you have chosen is available in either hard copy (on request) or soft copy in the form of a home loan calculator on the bank's website.
  • The Association of Banks in Singapore's (ABS) Consumer Guide on Home Loans is available and you are encouraged to get a copy from the bank and read it before committing to a loan. This guide is also available on the MoneySENSE and ABS websites in four official languages.

This publication is strictly for information purposes only and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. This publication is not an offer, recommendation, solicitation or advice to buy or sell any investment product. Nothing in this document constitutes accounting, legal, regulatory, tax, financial or other advice. You should consult your own professional advisors about issues discussed herein. While the information provided in this publication is believed to be accurate as at the date of publishing, UOB makes no representation or warranty, and accepts no responsibility or liability for its completeness or accuracy.