Your mortgage, negotiated like it’s our own money
Keystone advisors track every lender’s packages daily and negotiate terms most borrowers never see advertised. Independent, transparent — and free for you, always.
Daily Rate Tracking
Whole-of-Market View
Paperwork, Handled
Zero Bias, Zero Fees
Daily Rate Reviews at Every Lock-in
The Keystone difference
Advice that answers to you, not the banks
Most brokers show you a shortlist. We show you the whole market — every package from every major lender, updated daily — then negotiate the terms and keep reviewing your loan at every lock-in expiry. You should never pay a cent more than the best available rate, and never pay us anything at all.
What we do
One advisor for every kind of property financing
Home Loans
New private or HDB purchase — packages compared across every major lender before you commit.
Refinancing & Repricing
We flag the switch window before your lock-in ends and run the numbers on staying vs moving.
Commercial & Industrial
Offices, shophouses and industrial space, structured around your business cash flow.
Construction Loans
Progressive drawdowns for landed rebuilds and A&A works, timed to your build schedule.
Bridging Loans
Short-term funds so you never lose a purchase waiting for sale proceeds.
Overseas Property
Cross-border financing for Singapore-based buyers of international property.
Equity Term Loans
Unlock cash from a paid-up property at mortgage rates, not personal-loan rates.
Eligibility Check
Know your exact TDSR ceiling before you shop — run it yourself in 30 seconds.
KNOWLEDGE HUB
Read before you sign anything
Sample articles for mockup purposes — final content comes from the CMS.
MORTGAGES
Best Home Loan Rates in Singapore — Bank-by-Bank Guide
Fixed vs floating packages compared across the major banks.
Sample post · 6 min read
REGULATIONS
ABSD & SSD Explained: What Buyers and Sellers Pay in 2026
The current stamp-duty schedules, with worked examples.
Sample post · 8 min read
HOME BUYING
Refinancing Traps: Lock-ins, Clawbacks and When to Switch
How to time a repricing or refinance without paying penalties.
Sample post · 5 min read
TESTIMONIALS
Why borrowers switch to Keystone
“Ran the TDSR calculator on their site, spoke to an advisor the same day, and shopped for our first flat knowing exactly our ceiling.”
Sample Testimonial
First-time buyers · HDB
As featured in
Media Partners
Our lender network
Every major lender, one conversation
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