Mortgage & Bridging Loan Singapore – Compare Bank & Alternative Options in Minutes

Buying, refinancing, or stuck after a bank rejection?

Get matched to the right home loan or bridging solution — even if banks said no.

  • Works with major Singapore banks

  • Licensed moneylender network

  • Free eligibility check

  • AI-powered mortgage matching

Updated Jan 2026

Find the Right Property Loan in Singapore — Bank or Alternative

PickMeALoan helps you explore both bank mortgage loans and regulated alternative property financing options transparently.

We show you realistic pathways, not just marketing rates.

Whether you're:

  • Buying your first home

  • Refinancing for lower interest rates

  • Waiting for your property sale to complete

  • Facing a TDSR issue

  • Self-employed with complex income

  • Recently rejected by a bank

woman is confused by which poroperty loan to take

Refinance or Reprice Your Home Loan in Singapore

What is refinancing?

Refinancing means switching to another bank to enjoy a lower interest rate or better loan structure.

What is repricing?

Repricing means negotiating a new interest rate with your existing bank without switching lenders.

When Should You Refinance?

  • Your lock-in period has ended
  • Interest rates have fallen
  • You want to reduce monthly instalments
  • You want to restructure tenure

Things to Consider:

  • Lock-in penalties
  • Legal subsidy clawback
  • Valuation requirements
  • Break-even period
woman is happy she got a bridging loan

What Is a Bridging Loan in Singapore?

A bridging loan is a short-term property loan that helps you finance a new purchase while waiting for your existing property sale to complete.

Common Bridging Loan Use Cases:

  • Buying before selling

  • Delayed completion timelines

  • Auction purchase

  • Temporary cash gap

Bank Bridging vs Alternative Bridging Loan
Feature Bank Bridging Licensed Moneylender Bridging
Interest Lower Higher
Approval Speed Slower Faster
Eligibility Strict TDSR Assessment Flexible Assessment Criteria
Tenure Short-Term Short-Term

Bank Rejected Your Home Loan? Here’s What You Can Do.

If your bank application was declined, it does not always mean financing is impossible.

There may be alternative property-backed options available depending on your situation.

Common reasons banks reject mortgage applications:

  • TDSR exceeded

  • Self-employed income volatility

  • High credit utilisation

  • Age restriction

  • Multiple outstanding loans

Woman upset because her loans were rejected

What Is a Secured Property Loan in Singapore?

A secured property loan is a loan backed by property equity and may be offered by licensed moneylenders.

Typically for:

  • Short-term
  • Higher interest than bank loans
  • Faster approval
  • Used as interim financing solutions

Suitable For:

  • Temporary financing needs
  • Urgent completion
  • Complex income profiles
  • Short-term bridging before refinancing

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Types of Personal Loans

Frequently Asked Questions

Clear answers to help you secure the best mortgage loan offers in Singapore.

What is TDSR in Singapore?

TDSR (Total Debt Servicing Ratio) is a Monetary Authority of Singapore (MAS) regulation that limits a borrower’s total monthly debt obligations to 55% of their gross monthly income when applying for a property loan.

Can I get a home loan if I am self-employed?

Yes, self-employed borrowers can apply for a home loan in Singapore. Banks typically require income documentation such as Notice of Assessment (NOA) and financial statements. Alternative financing options may assess eligibility using different criteria.

What is the difference between refinancing and repricing?

Refinancing means switching from your current bank to another bank to obtain a better mortgage rate. Repricing means negotiating a new interest rate package with your existing bank without changing lenders.

How long does mortgage approval take?

Mortgage approval in Singapore typically takes between 1 to 3 weeks for banks, depending on documentation and valuation requirements. Alternative secured loans may be processed faster, subject to eligibility and assessment.

What happens if a bank rejects my mortgage?

If a bank rejects your mortgage application, you may explore alternative financing options or review restructuring strategies depending on your income profile, debt obligations, and property type.

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