EaseFlow is a Singapore mortgage comparison and advisory service. We compare home loan packages from more than 10 banks so you can buy or refinance property without overpaying, and our service is completely free for borrowers.
What we do
Every bank in Singapore prices its home loans differently, and those prices change often. Most buyers only check one or two banks, then accept whatever they are offered. EaseFlow compares current packages across the market in one place, including fixed and floating rates, lock-in terms, legal fee subsidies and free conversion clauses, then recommends the structure that costs you the least over your loan.
We help with new property purchases, refinancing an existing loan, and repricing within your current bank. This covers HDB flats, private condominiums, Executive Condominiums and properties that are still Building Under Construction.
How we are paid
EaseFlow is free for borrowers. The bank pays us a referral fee only when your loan is approved and disbursed, the same way a property agent is paid by a developer. You never pay us, and there is no hidden cost added to your interest rate. Because we work with many banks, we have no reason to push any single one.
Banks we compare
We compare packages across all major Singapore lenders, including DBS, OCBC, UOB, Citibank, Standard Chartered, HSBC, Maybank, Bank of China and CIMB, among others. We are not tied to any single bank, so the comparison reflects the whole market rather than one panel.
Why homeowners use us
- You save time. One conversation replaces calling every bank yourself.
- You see the real cost. We look past the headline rate at lock-in, clawback and subsidy clauses that decide what you actually pay.
- You stay in control. We present the options and the numbers. The decision is always yours.
- It costs you nothing. Free advice, no obligation.
How it works
- Tell us your situation. Share your property type, loan amount and timeline over WhatsApp.
- We compare the market. We pull current packages from 10+ banks and shortlist the best fit for you.
- You choose and we handle the paperwork. Once you pick a package, we guide the application through to approval.
Try the mortgage calculator to estimate your monthly repayment, or read the mortgage FAQ for answers to common questions.