Singapore’s property market is one of the most regulated and competitive in the Asia-Pacific region. Whether you’re purchasing a HDB flat, a private condominium, or securing SME financing, the difference between a good rate and an average one can translate to tens of thousands of dollars over a loan tenure. A qualified mortgage broker gives borrowers access to products across multiple banks and licensed lenders, saving time and often reducing the total cost of borrowing.
The companies listed here were selected based on verified client reviews, service breadth, professional reputation, and availability of information in the public domain. Ratings reflect aggregated scores from Google and other platforms at the time of publication. This list covers 15 of the most active and well-regarded mortgage brokers operating in Singapore in 2026, spanning residential purchases, refinancing, and SME business loans.
Each entry includes a summary of what the broker offers, who they are best suited to, and a direct link to their website. Where a broker has a niche focus, such as expat lending or commercial finance, that is noted specifically so you can match your situation to the right provider.
1. Mortgage Consultancy Pte Ltd
Singapore mortgage broker covering home loans, SME business financing, and general mortgage advice
Mortgage Consultancy Pte Ltd operates across multiple segments of Singapore’s lending market, including residential home loans, refinancing, and SME business financing. The firm holds a 5.0/5 rating and positions itself as a full-service consultancy rather than a transactional broker, aiming to provide structured advice alongside product access.
Their scope across both personal and commercial lending makes them a practical option for clients who need to manage multiple financing needs through one advisory relationship. SME owners who also hold residential property may find value in consolidating mortgage and business loan enquiries through a single provider.
The firm’s consultancy-style approach means clients can expect a more thorough assessment of their financial position before being directed to specific products. This suits borrowers who want guidance rather than just a rate comparison.
Pros
- Covers both residential and SME business lending
- 5.0/5 client rating
- Consultancy-style service model rather than transactional brokerage
- Suitable for clients with mixed personal and commercial financing needs
Cons
- Total review volume not prominently advertised
- Website provides limited detail on specific lender panel
Best for: SME owners and homeowners who want a single broker for both personal and business loans
Website: mortgageconsultancy.com.sg
Full listing: View on Best of Singapore
2. Redbrick Mortgage Advisory
Singapore mortgage broker with over 8,000 five-star reviews
Redbrick Mortgage Advisory is among the most reviewed mortgage brokers in Singapore, with a reported 8,000-plus five-star reviews across platforms. This volume of feedback is significantly higher than most competitors and reflects consistent client satisfaction over a sustained period. The firm holds a 5.0/5 rating.
Redbrick advises on home loans, refinancing, and commercial property financing. Their team includes experienced mortgage consultants who work with a broad panel of banks and licensed financial institutions in Singapore. The firm is regularly cited in media coverage of Singapore’s property and mortgage market.
The sheer volume of verified reviews gives prospective clients a high degree of confidence before engaging. For borrowers who prioritise peer validation when selecting a financial service provider, Redbrick’s review record is a material differentiator.
Pros
- Over 8,000 five-star reviews, one of the highest counts in Singapore
- 5.0/5 overall rating
- Strong media and industry presence
- Covers residential and commercial property financing
Cons
- High demand may mean longer response times during peak periods
- Premium profile may not suit clients seeking a boutique or highly personalised experience
Best for: Borrowers who want a high-profile, extensively reviewed broker for home loans or refinancing
Website: redbrick.sg
Full listing: View on Best of Singapore
3. MortgageWise.sg
Singapore mortgage broker with a 4.9/5 rating across 232 verified reviews
MortgageWise.sg has built a strong reputation in Singapore’s residential lending market, carrying a 4.9/5 rating from 232 client reviews. The firm focuses on home loans and refinancing, helping borrowers compare rates across major Singapore banks and make informed decisions on fixed versus floating rate packages.
The practice publishes a considerable amount of educational content on its website, covering rate comparisons, market commentary, and loan structuring guides. This positions MortgageWise.sg as a useful resource even for borrowers still in the research phase of their property purchase or refinancing decision.
With a substantial review base and a focus on transparency, MortgageWise.sg suits clients who want to arrive at a broker meeting already informed. Their content-driven approach signals a preference for educating clients rather than directing them to products quickly.
Pros
- 4.9/5 rating from 232 reviews, a strong and credible sample size
- Extensive educational content on mortgage products and market rates
- Clear focus on residential home loans and refinancing
- Transparent rate comparison approach
Cons
- Primarily residential-focused, less suited to SME or commercial borrowers
- May not offer the same breadth of commercial products as full-service brokerages
Best for: Home buyers and property owners who want to compare rates across banks with an informed adviser
Website: mortgagewise.sg
Full listing: View on Best of Singapore
4. Mortgage Master
Singapore mortgage broker with 572 five-star reviews and direct lender access
Mortgage Master carries 572 five-star reviews and a 5.0/5 rating, placing it among the most credentialed brokers in the Singapore market by review volume. The firm offers direct access to a wide panel of lenders, which can be a practical advantage when borrowers need to move quickly or require a specific loan structure.
The broker covers residential purchases, refinancing, and commercial property loans. Their consultants are noted for response speed and clarity in presenting loan comparisons, which suits buyers who are operating under tight timelines, such as those with an OTP (Option to Purchase) already in hand.
The combination of high review volume and a 5.0/5 rating indicates consistent service delivery across a large number of client interactions. Mortgage Master is a reliable choice for borrowers who need both speed and quality in the advisory process.
Pros
- 572 five-star reviews with a 5.0/5 rating
- Direct access to multiple Singapore lenders
- Strong reputation for responsiveness and clear loan comparisons
- Covers residential and commercial lending
Cons
- Website depth of information about specific lender relationships could be greater
- May be less suited to highly complex or niche financing scenarios
Best for: Buyers and refinancers who need quick, reliable access to competitive loan products across multiple lenders
Website: mortgagemaster.com.sg
Full listing: View on Best of Singapore
5. Keyquest Mortgage
Singapore mortgage broker for property loans and refinancing serving owner-occupiers and investors
Keyquest Mortgage holds a 4.9/5 rating and focuses on residential property loans and refinancing across Singapore’s HDB and private property markets. The firm serves both owner-occupiers and property investors, making it suitable for clients managing a portfolio alongside a primary residence.
The broker’s approach emphasises matching clients to appropriate loan structures based on their holding strategy and financial profile, rather than defaulting to the lowest advertised rate. For investors with multiple properties or mixed loan types, this kind of structured thinking can yield better long-term outcomes.
Keyquest’s dual focus on owner-occupiers and investors gives it a broader service scope than brokers who concentrate solely on first-time buyers or single-property purchases. Clients with more complex property portfolios may find this experience relevant.
Pros
- 4.9/5 client rating
- Covers both owner-occupier and investment property lending
- Structured approach to loan product matching
- Relevant to clients managing property portfolios
Cons
- Less prominent in the SME or commercial lending space
- Review volume details are not as widely publicised as some competitors
Best for: Property investors and owner-occupiers seeking structured mortgage advice across one or multiple properties
Website: keyquestmortgage.com.sg
Full listing: View on Best of Singapore
6. Home Loan Whiz
Singapore mortgage broker with a 4.9-star rating from 171 client reviews
Home Loan Whiz carries a 4.9/5 rating from 171 client reviews, a review count that reflects genuine client engagement rather than a handful of early responses. The broker operates in Singapore’s residential lending market, helping clients with new home purchases and refinancing across the major banks.
The firm’s name reflects its positioning as a specialist in home loan advisory rather than a generalist financial services provider. This focus can be an advantage for residential borrowers who want a team whose daily work is centred on home loans rather than a broad range of financial products.
The 4.9/5 rating across a meaningful review sample suggests consistent client satisfaction. Borrowers who prefer a more focused, specialist broker over a large multi-product firm may find Home Loan Whiz a well-matched option.
Pros
- 4.9/5 rating from 171 reviews
- Specialist focus on residential home loans
- Clear positioning as a dedicated home loan advisory service
- Consistent client satisfaction across review base
Cons
- Limited information on commercial or SME lending capability
- Smaller team profile compared to some larger brokerages
Best for: Residential buyers and refinancers who want a specialist home loan broker rather than a generalist
Website: homeloanwhiz.com.sg
Full listing: View on Best of Singapore
7. Dollarback Mortgage
Singapore mortgage broker with strong client satisfaction across residential and commercial loans
Dollarback Mortgage holds a 5.0/5 rating and covers both residential and commercial property loans in Singapore. The broker’s name reflects one of its differentiating features: a cashback mechanism on certain mortgage products that can provide borrowers with a financial return at settlement or drawdown.
Beyond the cashback angle, Dollarback operates as a full-service mortgage broker, comparing products across the Singapore bank market and advising on loan structure for both primary residences and investment properties. Commercial property borrowers are also catered for, which broadens the firm’s appeal beyond the typical residential-only broker.
The 5.0/5 rating across a client base that spans multiple loan types is a positive indicator of service consistency. The cashback feature may also appeal to cost-conscious borrowers looking to reduce the upfront cost of their purchase or refinance.
Pros
- 5.0/5 client rating
- Cashback feature on certain mortgage products
- Covers residential and commercial property loans
- Full-service brokerage with multi-bank access
Cons
- Cashback eligibility and terms should be confirmed directly with the broker
- Review volume details not as prominent as some larger competitors
Best for: Borrowers interested in cashback incentives alongside standard mortgage broking for residential or commercial properties
Website: dollarbackmortgage.com
Full listing: View on Best of Singapore
8. FinanceGuru Pte Ltd
Singapore mortgage broker with a 4.9-star rating across 159 client reviews
FinanceGuru Pte Ltd holds a 4.9/5 rating from 159 client reviews and operates as a mortgage and financial advisory firm in Singapore. The broker covers home loans, refinancing, and broader personal finance advisory, which suits clients who want to place their mortgage decision in a wider financial context.
The firm’s approach combines mortgage broking with financial planning awareness, which can be valuable for borrowers thinking about how their home loan fits alongside other financial obligations, such as CPF usage, insurance, and investment decisions. This broader lens distinguishes FinanceGuru from strictly transactional brokers.
With 159 reviews at 4.9/5, the firm’s client satisfaction record is credible. Clients who want a mortgage broker with some capacity to discuss their broader financial position will find FinanceGuru a suitable fit.
Pros
- 4.9/5 rating from 159 client reviews
- Broader financial advisory context alongside mortgage broking
- Covers home loans and refinancing
- Useful for borrowers thinking about CPF integration and overall financial structure
Cons
- Broader service scope may dilute focus compared to dedicated mortgage specialists
- Commercial or SME lending capability is less clearly defined
Best for: Borrowers who want mortgage advice placed within a broader personal financial planning context
Website: financeguru.sg
Full listing: View on Best of Singapore
9. The Loan Connection
Singapore mortgage broker connecting borrowers with a broad range of local lenders
The Loan Connection holds a 5.0/5 rating and operates as an intermediary between Singapore borrowers and a panel of local lenders. The firm’s name describes its model clearly: the focus is on connecting clients with the most appropriate lender for their specific loan requirements, rather than promoting a narrow set of products.
The broker handles both residential and commercial lending enquiries, and is suited to borrowers who may have been declined elsewhere or who require a non-standard loan structure. The connection-focused model can be particularly useful when a borrower’s profile does not fit the standard credit criteria of a major bank.
A 5.0/5 rating indicates strong client satisfaction, and the direct lender access model supports efficient processing once a suitable product is identified. Borrowers who value speed and access over advisory depth may find The Loan Connection a practical option.
Pros
- 5.0/5 client rating
- Broad lender connection model covering residential and commercial loans
- Useful for borrowers with non-standard profiles or complex requirements
- Direct lender access can support efficient processing
Cons
- Total review volume not prominently disclosed
- Website requires URL cleaning for direct access (UTM parameters in the listed URL)
Best for: Borrowers with varied or complex profiles who need access to a wide range of lenders
Website: theloanconnection.com.sg
Full listing: View on Best of Singapore
10. IQrate
Singapore mortgage broker with a 5.0-star rating across 125 client reviews
IQrate holds a 5.0/5 rating from 125 client reviews and operates in Singapore’s residential and property lending market. The firm’s name reflects a data-conscious approach to mortgage advisory, with a focus on rate comparisons and loan intelligence rather than broad financial planning.
The broker provides access to home loan products across the Singapore bank market and helps clients compare fixed and floating rate packages based on their financial profile and holding intentions. The emphasis on rate intelligence can be a practical advantage for clients who want a data-led recommendation rather than a product-push approach.
With 125 reviews at a perfect score, IQrate’s client satisfaction is consistent across a reasonable sample. The broker suits clients who want a clear, analytical approach to mortgage selection and prefer structured comparisons over anecdotal recommendations.
Pros
- 5.0/5 rating from 125 client reviews
- Data-focused approach to rate comparison and loan selection
- Clear home loan and refinancing focus
- Analytical advisory style suits detail-oriented borrowers
Cons
- Less prominent in commercial or SME lending
- Smaller review base compared to leading brokers on this list
Best for: Data-conscious borrowers who want structured rate comparisons and an analytical approach to loan selection
Website: iqrate.io
Full listing: View on Best of Singapore
11. Dream Home Singapore
Mortgage broker connecting Singapore borrowers to home loans and refinancing options
Dream Home Singapore, operating as Dream Home Loan Brokerage Pte Ltd, holds a 4.9/5 rating and focuses on connecting Singapore borrowers with residential home loans and refinancing solutions. The firm’s branding is oriented around the home purchase journey, which signals a focus on first-time buyers and upgraders alongside existing homeowners refinancing their properties.
The broker works with a range of Singapore banks to match clients with products suited to their financial position. Their emphasis on the connection between borrower and lender, rather than advisory depth, suits clients who have already done a degree of research and need efficient product access more than structured financial guidance.
A 4.9/5 rating reflects positive client outcomes across a segment of the residential lending market. Dream Home Singapore is a practical option for clients at the point of purchase or refinancing who want a dedicated team to manage the lender relationship.
Pros
- 4.9/5 client rating
- Focus on residential home loans and refinancing
- Oriented towards home buyers at various stages of the property journey
- Manages lender relationships on behalf of clients
Cons
- Less suited to commercial or SME lending enquiries
- Review volume not prominently disclosed in available sources
Best for: Home buyers and property owners at the purchase or refinancing stage who need efficient access to residential loan products
Website: dreamhomesingapore.com
Full listing: View on Best of Singapore
12. Unbiasedsg Mortgage Broker
Singapore mortgage broker with a 5.0-star rating across 60 client reviews
Unbiasedsg holds a 5.0/5 rating from 60 client reviews. The firm’s name signals its central positioning: a commitment to offering mortgage advice free from product bias. This framing appeals to borrowers who are concerned about whether a broker’s recommendations are driven by bank commission structures rather than the client’s actual needs.
The broker covers Singapore residential home loans and refinancing, helping clients compare products across the major banks. With a smaller but perfectly rated review base, Unbiasedsg reflects a boutique approach where each client interaction is given close attention.
Borrowers who have previously felt steered towards particular products without understanding why may find Unbiasedsg’s positioning reassuring. The 5.0/5 rating from 60 reviews, while a smaller sample, indicates a high level of client satisfaction with the quality of advice received.
Pros
- 5.0/5 rating from 60 client reviews
- Explicit commitment to unbiased, non-product-driven advice
- Boutique approach with close client attention
- Covers residential loans and refinancing
Cons
- Smaller review base than many competitors on this list
- Less established profile in commercial or SME lending
Best for: Borrowers who want advice they can trust to be genuinely independent of bank commission influence
Website: unbiasedsg.com
Full listing: View on Best of Singapore
13. Odin Mortgage
Mortgage broker specialising in Australian expats seeking property finance in Singapore
Odin Mortgage holds a 5.0/5 rating and operates in a specific niche: mortgage broking for Australian expatriates seeking property finance. The firm assists Australian expats living and working in Singapore who want to purchase or refinance property in Australia, where non-resident lending rules and income verification requirements differ significantly from standard domestic applications.
Australian expats face a particular set of challenges when applying for home loans in Australia while based overseas. These include foreign income assessments, different LVR (loan-to-value ratio) thresholds, and fewer willing lenders compared to resident applicants. Odin Mortgage’s specialist focus means their team understands these constraints and works within them daily.
For Australian expats in Singapore who need mortgage access to the Australian property market, Odin Mortgage is the most specifically targeted option on this list. Their niche expertise is the primary reason to consider them over a generalist broker for this use case.
Pros
- 5.0/5 client rating
- Specialist in Australian expat mortgage access from Singapore
- Deep understanding of foreign income assessment and non-resident lending rules
- Purpose-built for a borrower segment that generalist brokers often struggle to serve
Cons
- Not suitable for Singapore domestic property loans
- Relevant only to Australian nationals or those seeking Australian property finance
Best for: Australian expats in Singapore seeking home loans or refinancing for Australian property
Website: odinmortgage.com
Full listing: View on Best of Singapore
14. Unbeatable Mortgage
Singapore mortgage broker with strong client ratings and direct lending connections
Unbeatable Mortgage holds a 5.0/5 rating and positions itself around rate competitiveness, with a focus on securing favourable loan terms through direct connections with Singapore’s lending institutions. The firm covers residential home loans and refinancing for Singapore property buyers and existing homeowners.
The broker’s name reflects an emphasis on rate outcomes, which appeals to borrowers whose primary driver is securing the lowest available interest rate. Direct lending connections can reduce the time between enquiry and formal loan offer, which is valuable for buyers under time pressure.
A 5.0/5 rating indicates strong satisfaction, though specific review volume details are limited in publicly available sources. For borrowers who prioritise rate outcomes and efficient processing, Unbeatable Mortgage’s positioning aligns well with those needs.
Pros
- 5.0/5 client rating
- Focus on securing competitive rates through direct lender connections
- Efficient processing suited to time-sensitive purchases
- Residential home loan and refinancing coverage
Cons
- Review volume not prominently disclosed
- Limited public information on commercial or SME lending capability
Best for: Rate-focused borrowers who want competitive home loan terms and efficient lender access
Website: unbeatable.sg
Full listing: View on Best of Singapore
15. Mortgage Hub Pte Ltd
Singapore mortgage broker covering SME business loans and residential mortgage broking
Mortgage Hub Pte Ltd holds a 5.0/5 rating and operates across both SME business lending and residential mortgage broking. The dual focus makes it relevant to business owners who need to manage commercial financing alongside personal property obligations, a common scenario among Singapore’s entrepreneurial property-owning population.
The firm works with banks and licensed financial institutions to match SME clients with appropriate business loan products, including trade financing, working capital loans, and commercial property loans. On the residential side, Mortgage Hub handles home purchases and refinancing in the standard manner of a full-service broker.
For clients running a business while also managing a residential mortgage, having a single broker with capacity in both areas simplifies the relationship and can lead to better-informed advice on how each loan affects the other. Mortgage Hub’s dual-market focus is a practical differentiator for this client profile.
Pros
- 5.0/5 client rating
- Covers both SME business loans and residential mortgage broking
- Relevant to business owners managing both personal and commercial lending
- Works with a panel of Singapore banks and licensed institutions
Cons
- Review volume not prominently disclosed
- Dual focus means neither segment may receive the same depth of specialisation as single-focus brokers
Best for: Business owners who need a single broker for both SME business loans and residential mortgage advice
Website: mortgagehub.com.sg
Full listing: View on Best of Singapore
Who is the best mortgage brokers in Singapore?
Based on verified client ratings and review volume, Redbrick Mortgage Advisory ranks among the most reviewed brokers in Singapore with over 8,000 five-star reviews. Mortgage Master (572 five-star reviews, 5.0/5) and Mortgage Consultancy Pte Ltd (5.0/5) also rank highly. The best broker for any individual will depend on the type of loan required, whether it is residential, commercial, or SME, as well as the borrower’s preference for specialist versus full-service advisory. All 15 brokers on this list hold ratings of 4.9/5 or 5.0/5.
How much does a mortgage broker cost in Singapore?
Most mortgage brokers in Singapore do not charge borrowers a direct fee. Instead, they receive a referral commission from the bank or lender whose product is selected. This commission is typically disclosed in the loan documentation. Some brokers offer cashback arrangements, where a portion of the bank’s commission is returned to the borrower at settlement. Dollarback Mortgage is one example of this model. Borrowers should confirm fee structures directly with any broker before proceeding, as arrangements can vary.
How do I choose a mortgage broker in Singapore?
Start by identifying your loan type: residential home purchase, refinancing, commercial property, or SME business financing. Once you know what you need, shortlist brokers with demonstrable experience in that segment. Check verified review platforms for client feedback, noting both the rating score and the number of reviews. A 5.0/5 rating from 10 reviews carries less weight than the same score from 500 reviews. Also consider whether you want a specialist broker focused solely on mortgages, or a broader financial advisory firm. Finally, confirm how the broker is remunerated before signing any engagement agreement.
What should I look for in a mortgage broker?
Look for MAS (Monetary Authority of Singapore) licensing or affiliation with a licensed entity, which is a legal requirement for anyone providing financial advice in Singapore. Beyond credentials, assess the breadth of the broker’s lender panel: a wider panel generally means more product options. Review scores and the volume of feedback behind them are a useful proxy for service consistency. Responsiveness is also worth testing: send an enquiry and note how quickly and clearly the broker responds. Transparent communication about commissions, loan terms, and eligibility criteria is a reasonable expectation from any professional broker.
Are there good mortgage brokers for small businesses in Singapore?
Yes. Several brokers on this list offer SME business loan services alongside residential mortgage broking. Mortgage Consultancy Pte Ltd and Mortgage Hub Pte Ltd both cover SME financing explicitly, including working capital loans, trade financing, and commercial property loans. These firms suit business owners who need to access both personal and commercial credit through a single advisory relationship. For businesses seeking standalone commercial property loans or specific trade finance products, it is worth confirming the depth of the broker’s lender relationships in the SME segment before engaging.
Singapore’s mortgage broking market is well-served, with a range of providers covering everything from first-time residential purchases to SME business loans and specialised expat financing. The 15 brokers on this list all hold ratings of 4.9/5 or above, giving borrowers a reliable starting point for finding a qualified adviser. The right choice will depend on your loan type, the scale of your financial requirements, and the level of advisory depth you need. Contact two or three brokers from this list, ask specific questions about your situation, and compare the quality of their responses before committing to an engagement.
