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Reduce your mortgage loan interest the smart way. Offset your mortgage loan interest while you save

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Offset your mortgage loan interest while you save

Reduce your mortgage loan interest the smart way with your deposits. Let our MortgageOne SIBOR package help you with this.

Savings

Interest earned on your deposits is offset against your loan interest. Any excess interest earned will be used to reduce your outstanding loan principal.

Shorter Loan Period

A large portion of your monthly loan instalments goes to the principal repayments, shortening your loan period.

Transparency

Interest rates are pegged to either Singapore Interbank Offered Rate (SIBOR) or Fixed Deposit Rate (36M).

Flexibility

Make withdrawals on your deposits anytime, just like any other deposit accounts.

MortgageOne is the smart way to finance your home. Reduce your monthly interest by offsetting the interest paid on your home loan with the interest earned on your deposits. Also enjoy greater stability with our FDR package. Choose the mortgage facility that best suits you.

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Mortgage facility terms apply. Pricing and mortgage facility terms are subject to change without prior notice.

Pricing and Features
Interest Rate	1-month or 3-month SIBOR and FDR* plus a margin for the Bank. Two-thirds of your deposits will enjoy the same rate as your mortgage loan, subject to a maximum of your loan principal outstanding. Remaining deposits will enjoy an interest rate of 0.25% p.a. Check out our latest FDR MOA package* now.
Loan Size	Minimum SGD100,000
Fees	No processing fee
Type of Property	Private residential property only

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Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.