Unlock the Door to Your Dream Home
We compare home loans from leading banks and lenders to find the right fit for your situation. Whether you're a first-time buyer taking that exciting leap, a homeowner looking to refinance, or an investor building your portfolio, our advisors guide you every step of the way.
Your trusted mortgage partner
15+
Bank & Lender Partners
100%
Independent
24hr
Response Time
Comprehensive Mortgage Services Designed Around You
From your first home purchase to building a property empire, our expert advisors provide personalised guidance at every stage of your property journey. We don't just find mortgages - we find the right mortgage for your unique circumstances.
15+
Lenders
First-time & upgrading buyers
Home Purchase
Buying your first HDB flat or upgrading to a private property? We compare options from our network of banks and lenders to find competitive rates tailored to your down payment, income, and credit profile. Our advisors guide you from initial consultation to key collection.
Fast
Turnaround
Know your budget
Mortgage Pre-Approval
Enter your house hunt with confidence. Our In-Principle Approval process gives you a clear picture of your borrowing power, strengthening your position with sellers and property agents. It shows sellers you're a serious, qualified buyer ready to proceed.
Free
Comparison
Better rates at repricing
Mortgage Renewal
Your current package ending soon? Don't automatically accept your bank's repricing offer. We search the market to find better rates, potentially saving you thousands over your next lock-in period.
Flexible
Options
Unlock your equity
Refinancing
Access the value built up in your home for renovations, investments, or life goals. Whether you're looking to lower your monthly repayments, switch from floating to fixed rates, or release equity, we find refinancing solutions that align with your objectives.
Lower
Interest
Simplify your finances
Debt Consolidation
High-interest credit cards and loans can feel overwhelming. By consolidating debts into your mortgage at a lower interest rate, you could reduce monthly outgoings and simplify your finances into one manageable payment. We assess your full financial picture to determine if consolidation is right for you.
Invest
Specialists
Build your portfolio
Investment Properties
Expand your property portfolio with financing built for investors. We work with lenders who understand investment properties, offering competitive rates for single units and multiple holdings. Our advisors help structure your borrowing to maximise your rental yield potential.
Not sure which service is right for you? Our advisors are here to help.
Speak to an AdvisorWhat Can kolyds Do For You?
We simplify the mortgage process so you can focus on what matters most
Your Dream Home Awaits
From first-time buyers to property investors, we guide you through securing your ideal property with mortgage solutions tailored to your situation.
Compare Your Options
We search across our network of banks and lenders to find competitive rates suited to your circumstances, helping you make informed decisions.
Secure & Protected
Your financial data is handled with care and confidentiality. We follow strict data protection standards to keep your information safe.
What Makes kolyds Stand Out
Why clients choose to work with us
Wide Lender Access
We work with leading banks and lenders across Singapore, from the major local banks to foreign banks and specialist providers, giving you access to a variety of home loan packages.
Streamlined Process
We help coordinate the paperwork and keep you informed at every stage. Our aim is to make the mortgage process as straightforward as possible.
Personal Support
Our advisors provide guidance from application to completion. We're here to answer your questions and help you understand your options.
Clear & Transparent
No hidden fees, no surprises. We explain all costs upfront and disclose our commission before you proceed with any application.
Feel the Simplicity
Unlike traditional mortgage processes, you don't need to be a financial expert to get started with kolyds. Our intuitive online platform guides you through each step with clarity and ease.
Apply online in minutes, track your application in real-time, and get updates directly to your phone. We give you the freedom to manage your mortgage journey on your terms.
No Hidden Fees. Ever.
We're committed to complete transparency: we clearly disclose all costs upfrontso you know exactly what you're paying for. No surprises, no small print tricks.
Our fee structure is simple and fair. We show you a detailed breakdown of all charges before you commit, and our advisors are always available to explain any aspect of the costs involved.
Learn more about our pricingYour Journey With kolyds
From First Enquiry to Front Door Keys
We've streamlined the mortgage process into clear, manageable steps. Here's exactly what to expect when you work with kolyds - no surprises, just steady progress towards your goal.
Initial Consultation
Initial Consultation
We start with a friendly conversation to understand your goals, financial situation, and timeline. This can be done online, over the phone, or in person - whatever suits you best.
Market Search
Market Search
Our advisors compare packages from banks and lenders across the market to find home loans that match your criteria. We don't just look at rates - we consider fees, flexibility, and features that matter to you.
Application & Documentation
Application & Documentation
We handle the paperwork. Our team guides you through document collection, prepares your application to lender standards, and submits on your behalf with supporting evidence.
Underwriting & Approval
Underwriting & Approval
We liaise directly with underwriters, responding to queries and keeping your application moving. You'll receive regular updates so you always know where things stand.
Legal & Disbursement
Legal & Disbursement
Once approved, we coordinate with the conveyancing lawyer and the bank to ensure a smooth path to disbursement. We're with you right up until the funds are released and beyond.
Ongoing Support
Ongoing Support
Our relationship doesn't end at disbursement. We'll reach out before your lock-in period ends, keep you informed of market changes, and remain available whenever you need home loan advice.
The kolyds Advantage
Why Thousands Choose Us for Their Mortgage
We combine cutting-edge technology with personal expertise to deliver a mortgage experience that's faster, simpler, and more transparent than traditional brokers.
Expert Advisors
Our experienced mortgage advisors bring years of experience across all borrower types. We assess your income, credit history, and available funds to match packages that truly fit your circumstances - not just the ones with the highest commission.
Rapid Processing
Time matters. Our streamlined application process and direct lender relationships mean faster turnarounds. Many clients receive In-Principle Approval within hours, and we prioritise urgent cases where purchase timelines are tight.
Whole-of-Market Comparison
We don't just show you one option. Our access across banks and lenders means we compare packages to find the best rates and terms on your behalf, so you can decide with a clear view of what's available.
Smart Calculators
Our suite of online tools helps you understand affordability before you even speak to us. Calculate monthly repayments, stamp duty, down payment requirements, and see how different scenarios affect your budget.
Flexible Packages
Fixed rates for certainty, floating (SORA-pegged) rates for flexibility - we explain the pros and cons of each. Whether you're financing an HDB flat or a private property, we help you find the structure that works for your life.
Lifetime Support
Our relationship extends beyond disbursement. We proactively reach out ahead of your lock-in expiry, monitor rate changes that could benefit you, and remain available for advice as your circumstances evolve.
Digital-First Experience
Apply from anywhere, anytime. Our secure online portal lets you upload documents, track progress, and communicate with your advisor without visiting an office. Perfect for busy professionals and remote workers.
Specialist Knowledge
Self-employed? Complex or variable income? Past credit issues? We specialise in cases that the big banks often struggle with. Our advisors know which lenders accommodate different circumstances and how to present your application.
Islandwide Service
Wherever your home is - HDB heartlands, a condo in the city, or landed property - we can help. Our network of lender relationships and conveyancing partners covers the entire Singapore property market.
Access to Leading Banks & Lenders
We've built relationships with lenders across Singapore's home loan market - from the major local banks to foreign banks and specialist providers. This means we can find competitive options for virtually any borrower profile.
3
Local Banks
8+
Foreign Banks
4+
Specialist Lenders
3+
Private Banks
Competitive Rates
Our volume and lender relationships often mean access to rates that aren't advertised publicly.
Specialist Options
From self-employed to adverse credit, we have lender options for circumstances others can't help with.
Direct Relationships
Our established connections mean faster responses, better escalation paths, and smoother processes.
Why Choose kolyds
We're committed to providing exceptional mortgage advice with transparency, expertise, and dedication to finding your perfect solution.
- 15+
- Lender Access
- 100%
- Dedicated Support
- 100%
- Client Focus
- S$15,000+
- Potential Savings
- 24hrs
- Quick Response
- S$0
- No Upfront Fees
banks and lenders in our network
Personal advisor throughout your journey
Committed to finding your best solution
Possible savings over your loan tenure
Typical response to your enquiry
Pay nothing until your home loan is disbursed
Client Success Stories
Real People, Real Results
Don't just take our word for it. Here's what our clients say about their experience working with kolyds to achieve their property goals.
“As first-time buyers, we were completely overwhelmed by the whole home loan process. kolyds made everything so clear and manageable. They found us a rate we didn't think was possible, walked us through how much CPF we could use, and guided us through every single step. We're now happily settled in our first home!”
“Being self-employed, I'd been turned away by a couple of the big banks before finding kolyds. They understood my income structure immediately and knew exactly which lenders would work with my situation. Within weeks, my home loan was approved at a competitive rate. Absolute game-changer.”
“When my fixed rate package was about to end, I almost just accepted my bank's repricing offer. Thank goodness I spoke to kolyds first - they saved me over S$4,800 a year by finding a much better deal elsewhere. The refinancing paperwork was handled end to end by their team. Highly recommend!”
“We needed to refinance quickly to fund a renovation and kolyds delivered beyond expectations. Not only did they secure excellent rates, they also coordinated everything with the lawyer and the bank so smoothly. The whole process was faster than we expected.”
“After some credit issues a few years back, I thought owning a home was off the table for me. kolyds took the time to understand my situation and found lenders who were willing to work with me. Two years later, I'm writing this from my own place. These people genuinely care.”
“I've used kolyds for three investment property purchases now. Their knowledge of the market is exceptional, and they always find packages that make sense for my rental yield calculations. They've become an essential part of my property investment strategy.”
Our commitment to excellence
Bank & Lender Partners
Independent
Response Time
Frequently Asked Questions
We know mortgages can be confusing. Here are answers to the questions we hear most often from our clients. Can't find what you're looking for?
Get in touch with our teamStart Your Mortgage Journey Today
Ready to Find Your Perfect Mortgage?
Whether you're buying your first home, remortgaging for a better rate, or expanding your property portfolio, our expert advisors are here to guide you every step of the way. Get in touch today for a free, no-obligation consultation.
Prefer to speak with someone directly? We're here to help.
Email us
hello@kolyds.com
Available
Mon-Fri 9am-6pm