Ace Mortgage Advisory is a Singapore mortgage broking service that helps homebuyers and homeowners compare home loan rates across banks, free of charge and with no obligation. The firm offers free mortgage advice by phone or WhatsApp, positioning itself as a bank-neutral advisor rather than being tied to any single lender.
Ace Mortgage's services cover new home loan purchases and refinancing for both private property (condo and landed) and HDB flats (BTO and resale), as well as commercial property loans. The site also provides free tools including a mortgage repayment calculator and a Buyer Stamp Duty (BSD) calculator.
The firm says it works with more than 20 local and international lenders, and its site displays live rate comparisons from banks and finance houses including DBS, OCBC, UOB, Standard Chartered, HSBC, Citibank, Maybank, CIMB, Bank of China, Hong Leong Finance, Bank of East Asia, RHB, National Australia Bank, Sing Investments and Finance, State Bank of India and Singapura Finance — described elsewhere on the site as rates 'from all 16 banks.'
Ace Mortgage highlights fast, hassle-free applications with in-principle approval possible within hours, and says its advisors recommend loans based on each client's financial profile, CPF usage and property goals — evaluating lock-in periods, early repayment penalties, legal subsidies, cash rebates, and total loan cost rather than just the headline interest rate.
Shopping for a home loan in Singapore means wading through dozens of bank websites, promotional rates, and fine print — Ace Mortgage Advisory exists to do that legwork instead, offering free mortgage advice with no obligation to sign up for anything.
Ace Mortgage positions itself as a bank-neutral broker, comparing home loan rates across more than 20 local and international lenders rather than pushing any single bank's product. Its site displays live rate tables sourced from DBS, OCBC, UOB, Standard Chartered, HSBC, Citibank, Maybank, CIMB, Bank of China, Hong Leong Finance, Bank of East Asia, RHB, National Australia Bank, Sing Investments and Finance, State Bank of India, and Singapura Finance — described on the site as covering rates from "all 16 banks."
Services span new home loan purchases and refinancing, for both private property (condos and landed homes) and HDB flats (BTO and resale), plus commercial property loans. Two free calculators — a mortgage repayment calculator and a Buyer Stamp Duty (BSD) calculator — are also available for anyone wanting a quick estimate before speaking to an advisor.
As of July 2026, Ace Mortgage's published rate tables showed fixed 2-year and 3-year packages for resale private property ranging from roughly 1.40% (HSBC) to 1.68% (DBS) in the first two years, while floating packages pegged to 3M SORA carried spreads from +0.20% (Promo/Maybank) up to +0.40% (Bank of China). For refinancing specifically, fixed packages ranged from 1.45% (Promo/SCB) to 1.68% (DBS), with floating refinancing spreads similarly starting around +0.20%.
Ace Mortgage is explicit that these figures are indicative and subject to change, updated monthly — a reminder that anyone comparing rates should confirm current numbers directly with an advisor before committing.
While the headline rate is often what catches attention, Ace Mortgage argues that the full picture matters more: lock-in duration and early repayment penalties, bank-specific promotions and legal subsidies, the flexibility to reprice or refinance during or after a lock-in period, and total loan cost rather than just the interest figure. The firm's own bank comparison highlights how features vary beyond rate — for example, DBS offers a Two-In-One fixed-floating hybrid loan and a MyHome Planner digital tool, OCBC offers an Eco-Care Home Loan and instant approvals through OCBC OneAdvisor, and HSBC offers SmartMortgage hybrid packages through its Mortgage Connect platform.
Ace Mortgage frames the fixed-versus-floating decision around a borrower's situation rather than a blanket recommendation. Floating loans, it notes, can suit borrowers planning to sell within a few years, those expecting rates to trend downward, or those who want flexibility to refinance without high penalties and prefer a shorter lock-in period. Fixed-rate packages, by contrast, suit those prioritising predictable repayments and insulation from market swings, typically with lock-in periods of 2 to 5 years.
Ace Mortgage promotes a fast, hassle-free application process, with in-principle approval possible within hours, and describes its advisors as recommending loans based on a client's financial profile, CPF usage, and property plans — all free of charge. Enquiries can be made by phone or WhatsApp at +65 8850 5294, or by email, and the firm is active on Facebook, Instagram, TikTok and YouTube.