Borrow up to 80% of the value of your property.
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At Standard Chartered Bank we understand that owning a home means comfort, security and a sense of belonging for you and your family. With our Home Loan solution, we can make this happen. Here's how

  • Borrow up to 80% of the value of your property*
  • Our financing solutions are flexible to cater for a variety of needs ranging from equity release, purchase, renovation to refinancing

Fees and Other Charges

  • Interest rate: This is the finance charge for borrowing money. It is a variable rate that is usually adjustable basing on the market conditions. We currently have the lowest interest rate on the market today!
  • Arrangement fees: This is the cost of processing the loan. Standard Chartered only charges the fee upon approval and disbursement of your mortgage.
  • Valuation fee: This is usually a percentage of the appraised value of the property. We have partnered with reputable valuers and pre- negotiated a preferential fee for our customers.
  • Legal/Conveyance fees: This is usually a percentage of the loan amount. We have a panel of reputable legal firm that assist the bank with this process.
  • Stamp duty: This is a government tax on all property transfers and mortgage registrations and is a percentage of the property value according to the government valuer appraisal report.
  • Fire and perils insurance: This is paid directly to the insurance company and covers damages that may occur to the property as a result of fire, floods etc. The bank maintains a panel of insurance companies with whom it has pre- negotiated preferential rates.

Note: The actual breakdown of all the charges are clearly stipulated in the offer letter.


    • Both Citizens and Non Citizens*
    • Minimum age 25
    • Both Salaried and Self Employed customers meeting all the specified requirements
    • Professionals and consultants who earn a regular monthly income


  •     Documents Required
    • Duly completed and signed home loan application form with the following documentation attached;

    • Personal details
      • Work ID/Valid Identification such as passport
      • Financial Card
      • Tin number
      • 3 passport size photos
      • Proof of Nationality e.g. passport/voters card
      • Proof of residence e.g. Utility bill, Tenancy agreement
      • For Equity release and refinance mortgages involving matrimonial homes; provide spousal consent and marriage certificate. For the spouse in question, provide a valid identification and a passport size photo. Other requirements on matrimonial homes are set out in the offer letter.
      • If single provide a statutory declaration to that effect.
    • Income details
      • If employed;
        • 3 Months pay slips
        • 6 Months back account statement(s)
        • Salary advance details if any
        • Loan statements where applicable
      • If self employed;
        • 12 Months bank account statements. (For all bank accounts).
        • 2 year audited books of accounts where applicable.
        • Provide business contracts where applicable.
      • Additional income;
        • Rental income: Should be evidenced on a bank account, provide certificate of title and tenancy agreements.
        • Commission: Should be regular and evidenced on a bank account for the last 6 months.
        • Allowances: Should be regular and evidenced on a bank account for the last 6 months.
        • For salaried individuals, income from side businesses can be considered.
    • Employment / Business details
      • If employed;
        • Letter of undertaking from employer
        • Copy of employment contract
        • Copy of appointment letter
      • If self employed;
        • Proof of existence e.g. certificate of incorporation / registration
        • Proof of ownership e.g. Company form stating shareholding
        • Memorandum and Articles of association for a limited liability company
    • Collateral details
      • Copy of certificate of title
      • Photos of the property (Internal and External)
      • Sale agreement/Offer letter (For purchases)
      • Approved building plans or Letter of commencement.

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0800 160 160

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