In February 2026, UOB offers competitive home loan packages starting from 1.60% fixed for 2 years, with SORA-pegged options at 3M SORA + 0.70% after lock-in, making it a strong choice for HDB and private property buyers in Singapore. Compared to DBS (SORA + 0.75%) and OCBC (SORA + 0.80%), UOB edges out on fixed rates but matches market averages on floating packages. Homejourney verifies these rates daily for your safety, helping you compare UOB home loan rates February 2026 vs other banks confidently.
This cluster focuses on UOB's February 2026 offerings as part of our pillar guide on Singapore Home Loan Rates 2026: Full Comparison Across All Banks. For comprehensive coverage including eligibility calculators and multi-bank applications, visit our .
UOB Rate Snapshot: February 2026 Packages
UOB's home loan packages cater to HDB, private properties, and refinancing, with fixed and SORA-pegged options. Key packages include:
- Fixed Rate Package: 1.60% p.a. fixed for 2 years (min. $500,000 loan), then 3M SORA + 0.70%. 2-year lock-in, legal subsidy up to $450,000 or cash rebate above.
- SORA-Pegged Package: 3M SORA + 0.80% (effective ~4.43% at current 3.63% SORA), no lock-in for select variants. Free conversion available post-lock-in.
- Refinance Package: 1.80% fixed for 2 years, then SORA + 0.60%. Lowest valuation fee at $150 + GST for condos up to $3M.
These rates reflect UOB's focus on quick approvals for strong profiles, often instant via their system. UOB housing loan rates remain stable from January, with no major hikes amid forecasts of rates bottoming in Q2 2026[7]. Always check live rates on Homejourney's bank-rates page as they update daily.
What Changed This Month at UOB
No rate adjustments in February 2026, maintaining the 1.60% fixed entry point from late 2025 promotions. A new online direct-to-bank promo offers vouchers for applications over $1M, but excludes deviated rates. Expiring offers include 50-100% penalty waivers on sale for fixed packages—act before end-February. Compared to last month, spreads tightened by 0.05% on SORA packages for HDB buyers, boosting competitiveness.
UOB continues perks like lowest valuation fees and fast processing, ideal for buyers in high-demand areas like Toa Payoh or Punggol HDBs. For full details on fees, see our related article UOB Home Loan Rates Feb 2026: Rates & Fees | Homejourney .
Understanding SORA and Rate Trends
SORA (Singapore Overnight Rate Average) is the key benchmark for floating home loans in Singapore, replacing SOR/SIBOR. Current 3M Compounded SORA is approximately 3.63%, influencing packages like UOB's[5]. Fixed rates provide stability amid MAS regulations like TDSR (Total Debt Servicing Ratio at 55% max).
The chart below shows recent interest rate trends in Singapore:
As seen in the chart, SORA has stabilized post-2025 peaks, aligning with UOB's forecast of bottoming in Q2 2026[7]. This favors locking fixed rates now via Homejourney's mortgage calculator.
UOB Home Loan Rates February 2026 vs Other Banks Comparison
UOB shines on fixed rates but competes evenly on SORA. Here's a side-by-side for a $1M loan:
UOB beats market average fixed rate of 1.70%[3], but HSBC leads refinancing at +0.65% post-lock-in. For HDB (max 75% LTV), UOB's legal subsidy edges DBS. Compare all 11 banks (including Maybank, CIMB, RHB) on Homejourney bank-rates. Data verified against MAS and bank disclosures for trustworthiness.
Who Should Choose UOB This Month?
- HDB Buyers: Fixed package for Punggol BTOs—quick approval, low valuation fees save $300+ vs peers[3].
- Private Property: SORA-pegged for condos in Orchard/Tanglin; free conversion post-2 years.
- Refinancing: Best if existing UOB customer—cash rebates over $450K. Calculate savings with our eligibility calculator or see How to Calculate If Refinancing is Worth It: Homejourney Guide .
Insider tip: UOB prioritizes Singpass-linked apps via Homejourney for 24-48 hour IPAs, faster than manual at branches. Not ideal if seeking lowest SORA spread (HSBC wins).
Actionable Steps with Homejourney
1. Visit Homejourney bank-rates for live UOB mortgage rates February comparison.
2. Use Singpass for multi-bank application—get offers from UOB, DBS, OCBC simultaneously.
3. Run affordability calc: For $800K HDB at 1.60%, monthly ~$3,800 (TDSR compliant).
4. Search budget-matched properties at Homejourney property search.
5. Connect with our mortgage brokers for personalized advice.
Disclaimer: Rates subject to change; not financial advice. Consult professionals. Homejourney prioritizes your safety with verified data and transparent processes.
FAQ: UOB Home Loan Rates February 2026
What are current UOB home loan rates February 2026?
Fixed starts at 1.60% for 2 years, SORA +0.70% after. Check live at Homejourney.
Is UOB cheaper than DBS/OCBC in Feb 2026?
Yes for fixed (1.60% vs 1.65%/1.70%), similar on SORA. Full comparison on our platform.
Best UOB package for HDB refinance?
1.80% fixed with legal subsidy. Use our calculator for exact savings.
How does SORA affect UOB rates?
UOB pegs to 3M SORA (~3.63%) + spread. Track trends via Homejourney charts.
Can I apply to UOB via Homejourney?
Yes, one Singpass app for UOB + 10 banks. Fast, secure approvals.
Ready to compare UOB home loan rates February 2026 vs other banks? Start at Homejourney bank-rates and link to our pillar for full 2026 guides. Your trusted partner for safe property decisions.
