Apply for a UOB Private Home Loan online and obtain instant approval1 within minutes.
Be rewarded with Apple gifts worth up to S$3,511* (inclusive of S$2,200* in cash for refinancing) available exclusively when you apply online.
Refinancing of Private Residential Property Loan from another financial institution
Criteria | Sign Up Gift* |
Min. S$450,000 home loan (Completed Property Only) |
S$2,200 Cash^ |
Min. S$500,000 home loan (Completed Property Only) |
S$2,200 Cash^ and Apple Airpods Pro (2nd Gen) worth S$362.35![]() |
Min. S$1,000,000 home loan (Completed Property Only) |
S$2,200 Cash^ and Apple iPad (10th Gen) 64GB Wi-Fi worth S$685.30![]() |
Min. S$1,600,000 home loan (Completed Property Only) |
S$2,200 Cash^ and Apple iPhone 14 128GB worth S$1,311.10![]() |
^Subject to min. Refi Housing Loan quantum of S$450,000. Refi Housing Loan is defined as a Re-financing Facility for the purchase of private residential property. Please refer to the letter of offer for terms and conditions.
*Applicable for applications and Letter of Offer acceptances between 1 March 2023 to 31 May 2023. Refer to terms and conditions below.
New purchase of Private Residential Property
Criteria | Sign Up Gift* |
Min. S$500,000 home loan (Applicable for both Completed Property and Property Under Construction) |
Apple Airpods Pro (2nd Gen) worth S$362.35![]() |
Min. S$1,000,000 home loan (Applicable for both Completed Property and Property Under Construction) |
Apple iPad (10th Gen) 64GB Wi-Fi worth S$685.30![]() |
Min. S$1,600,000 home loan (Applicable for both Completed Property and Property Under Construction) |
Apple iPhone 14 128GB worth S$1,311.10![]() |
*Applicable for applications and Letter of Offer acceptances between 1 March 2023 to 31 May 2023. Refer to terms and conditions below.
Choose from a range of competitive pricing packages with support from our dedicated mortgage bankers.
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. (This does not constitute an online application and the sign up gift will not be applicable.)
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.
*Terms and Conditions:
You can find out more about the UOB Private Home Loan Online Exclusive or our competitive pricing packages from our bankers!
Choose from our wide range of loan packages to suit your financing needs.
Enjoy flexible options to pay down your loan partially or customise your loan to ensure you get the most out of it.
SORAPROMOTIONAL Limited tranche for New Direct-to-Bank* customers only |
Fixed Rate | |
Year 1 | 3M Compounded SORA + 0.70% p.a. | For fixed-rate or combination of fixed-rate and 3-Month Compounded SORA packages, please complete the Contact Us form here so that our Home Loan Specialists can be in touch with you within the next business day. |
Year 2 | 3M Compounded SORA + 0.70% p.a. | |
Year 3 | 3M Compounded SORA + 0.80% p.a. | |
Year 4 and thereafter | 3M Compounded SORA + 1.00% p.a. | |
Lock in period | 2 years | |
Min Loan Size | S$250,000 | |
Special Features |
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Other benefits | Submit your application online & our banker will be in touch with you to share more on our limited time promotional offers. Valid only for direct applications without third party referrals. | |
Additional notes | Promotional rates are available for a limited period and only valid for completed residential properties in Singapore, for your new purchase or refinancing from another bank/HDB. Subject to minimum loan size. | |
Pegged to the 3-month Compounded SORA that is published on MAS' website. |
3M Compounded SORA refers to the 3-Month Compounded SORA that is published on MAS’ website.
Terms and Conditions
*This Promotion is not valid with agent referrals, Introduce A Friend, welcome back and/or third party referral payment, and shall not be applicable to individuals who have received other benefits, and/or administrative concessions from UOB on his/her existing or new property loan(s) (including, but not limited, to a waiver or reduction of any fee payable or penalty incurred by applicant(s)).
^This means that no prepayment penalty will be applicable to the first prepayment request made per year during the Lock in Period and the prepayment amount for such request is cap at 20% of the original loan amount.
#This means that, in the event that the redemption of the Loan is due to sale of the Property and this redemption is within the Lock in Period, the redemption fee will be reduced by 50% subject to UOB’s receipt of satisfactory documentary evidence of the sale of the Property. In addition, the Borrower will be eligible for a refund of the reduced redemption fee paid to UOB if the Borrower fulfills the following conditions:
(i) the Borrower accepts a new loan from UOB of which the new loan amount is equal or higher than the redeemed loan amount;
(ii) such new loan is accepted by the Borrower within 6 months from date of redemption of the Loan;
(iii) the Borrower furnishes a signed copy of the Letter of Offer; and
(iv) such other condition(s) as may be determined by UOB.
Submit your loan application online now and our banker will be in touch with you to share more about exclusive home loan rates and promotions available.
In addition to the property purchase price, you will have to make provision for the Legal Fee, Stamp Duty, Property Tax & Income Tax.
NEW! Secure your desired property with our Instant Home Loan approval1.
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.
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.
Exclusively for Wealth Banking customers, enjoy additional valuation subsidy# of S$160.50 when you refinance your Private Home Loan (min. S$1million) with UOB. This is on top of other existing promotions. Terms and conditions apply.
#Promotion is valid from March to December 2022. Valuation subsidy is subject to clawback if the loan is repaid in full within 3 years from 1st loan disbursement date. The Letter of Offer shall contain such terms and conditions as UOB may require in relation to each property loan This Promotion is not valid with agent or broker referrals and not applicable for new purchase or where there is a transfer/part purchase done concurrently with the refinancing.
Enjoy additional legal and valuation subsidies when you refinance your Private Home Loan with UOB or take up a new Property Equity Term Loan. Terms and conditions apply*.
As a UOB Privilege Banking or UOB Privilege Reserve client, you will be able to –
Contact our Senior Specialists at mortgagesales@uobgroup.com to discuss your unique financing needs. If you wish to review your existing UOB home loan, contact our Mortgage Relations team at pfs.loans@uobgroup.com.
*This Promotion is valid from March to December 2022. Subsidies are subject to clawback if the loan is repaid in full within 3 years from 1st loan disbursement date and cannot be stacked with S$2,200 Cash Reward awarded under the Refinancing or Property Loans Online Exclusive promotion. This Promotion is not valid with agent or broker referrals and not applicable to new purchase or where there is a transfer or part purchase done concurrently with the refinancing or equity term loan. This Promotion is not applicable to Property Loans involving the restructuring or re-pricing of existing property loans already taken out with UOB or Property Loans involving application for additional facility(ies) which shall be secured against property(ies) that is/are already mortgaged to UOB or Property Loans which are under the UOB’s Staff Housing Loans Scheme or where the property to be mortgaged to UOB is located or situated outside of Singapore. The Letter of Offer shall contain such terms and conditions as UOB may require in relation to each property loan.
~Flexible penalty waiver terms are for selected packages only and subject to the terms and conditions in the Letter of Offer and only applicable for new home loan sign-ups.
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.