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Mortgage Cookie strives to provide the best options available for your need and aims to broaden the options available in the mortgage market

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Get updated with the happenings and changes in the local property market and understand the available mortgage options

Terminology of Jargon

What is SIBOR

SIBOR which stands for Singapore InterBank Offered Rate is the rate that banks lend or borrow unsecured funds between themselves in the Singapore Interbank market. >>Read more

What is SOR

SOR or Swap Offer Rate refers to the cost of borrowing Singapore Dollars through borrowing US Dollars and swapping out in return for Singapore Dollars for the same tenor. >>Read more


SOR (Swap Offer Rate) is usually more volatile then SIBOR (Singapore InterBank Offered Rate) due to the element of forex calcuation as a variable. Loans taken from SOR is subjected … >>Read more

Total Debt Servicing Ratio

The Total Debt Servicing Ratio, short for TDSR, is a calculation of your total monthly debt obligations (e.g. existing home loan, new home loan application, car loan, overdraft facilities… >>Read more

Loan To Value

Loan to value (LTV) is a key criteria for a home buyer who wants to take on a housing loan. This is the housing loan quantum a bank or financial institution is willing to offer as … >>Read more

Fixed & Floating Rate

In the market, there are two main types available: Fixed-rate home loan packages where the rates are fixed for a specific period, thereafter continue to a floating rate Floating or variable rate… >>Read more

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