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UOB 2-Year Fixed & 1M/3M SORA Home Loan
UOB 2-Year Fixed & 1M/3M SORA Home Loan from United Overseas Bank (UOB) prices from 1.55% p.a. (2-Year Fixed / 1M SORA, benchmarked against 3M Compounded SORA (1.31%)) with a 2-year lock-in and Up to S$2,000–S$2,800 legal & valuation cash rebate. Key Metrics: Lender: United Overseas Bank (UOB) · Package Structure: 2-Year Fixed / 1M SORA · Year 1 Effective Rate: 1.55% p.a. · Benchmark / SORA: 3M Compounded SORA (1.31%) · Lock-In Period: 2 years · Minimum Loan Size: S$500,000 · Refinancing Subsidy: Up to S$2,000–S$2,800 legal & valuation cash rebate · Offset / Account Link: UOB Home Solution instant approval across HDB & private condos. Eligibility: Minimum loan quantum S$500,000; subject to MAS Total Debt Servicing Ratio (TDSR <=55%) and Mortgage Servicing Ratio (MSR <=30% for HDB/EC). Free conversion after Year 1 (on select 2-yr flexi fixed packages)..
Peak Community Rank
#4
Active Rankings
1
Leaderboard
Headline Rate Pct
1.55
Lock In Years
2
Verified Structure
Verified Dossier Specifications
Headline Rate Pct
1.55
Lock In Years
2
Sora Benchmark
3M Compounded SORA (1.31%)
Pros Summary
Sharp 1.55%–1.78% 2-year fixed pricing with optional free conversion after 12 months if SORA falls further; Seamless joint valuation with major Singapore developers
Cons Summary
Step-up Year 3 spread (3M SORA + 0.85%–1.00%) requires timely repricing at end of Year 2
Sora Spread Pct
0.6
Inline Rivalry Ballot
Rankings Featuring UOB 2-Year Fixed & 1M/3M SORA Home Loan
Verified Entity DossierRanked #4 in DBS 1.55% Fixed vs. POSB 1.78% HDB Loan? Top 10 Best Home Loan & SORA Mortgage Rates in Singapore 2026
Community Weigh-In & Debate
Should UOB 2-Year Fixed & 1M/3M SORA Home Loan rank higher than #4 in DBS 1.55% Fixed vs. POSB 1.78% HDB Loan? Top 10 Best Home Loan & SORA Mortgage Rates in Singapore 2026?
Ranked #4 on "DBS 1.55% Fixed vs. POSB 1.78% HDB Loan? Top 10 Best Home Loan & SORA Mortgage Rates in Singapore 2026". Cast your vote to back or challenge this spot.
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Graph Relationships & Key Connections
1 connected node
Appears in 1 lists
Frequently Ranked Alongside UOB 2-Year Fixed & 1M/3M SORA Home Loan
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Citibank Home Saver 2-Year Fixed & 1M SORA Package
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POSB / DBS HDB 3-Year Fixed Home Loan (1.78% p.a.)
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Maybank 3M Compounded SORA & 2-Year Fixed Home Loan
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Standard Chartered MortgageOne 3M SORA Interest-Offset Loan
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HDB Concessionary Housing Loan (CPF OA + 0.10%)
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DBS Private BUC & Executive Condo (EC) Progressive 3M SORA Loan
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