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Terms & Conditions of Use

Thank you for using the MoneyIQ.sg web site ("this Web Site").

By accessing and using any part of this Web Site, you shall be deemed to have accepted to be legally bound by these Terms & Conditions of Use and Privacy Policy Statement. If you do not agree to these Terms & Conditions of Use, please do not use this Web Site.

General

These Terms & Conditions of Use may be changed from time to time. All changes will be posted on this page, and your use of this Web Site after such changes have been posted will constitute your agreement to the modified Terms & Conditions of Use and all of the changes. You should therefore read this page carefully each time you visit this Web Site.

Relying on Information

We provide our website as a general information source only. Do note that we are not involved in giving professional advice here. The website may not cover all information available on a particular issue. We would advise that you conduct your own checks or obtain professional advice relevant to your particular circumstances, outside of our website.

The materials may be taken or compiled from sources that we believe to be reliable. While all reasonable care has been taken in preparing the materials, we do not represent or warrant that the materials are accurate, useful, adequate, timely or complete and they should not be relied upon as such. You should always consult primary or more accurate or more up-to-date sources of information.

Personal Data Protection Act 2012 (PDPA) - Collection, Use and Disclosure of Personal Data

The information you supply, whether through our website feedback form, signup, enquiry or by sending an electronic mail message, text, SMS, MMS messages or voice calls, is deemed to consent to the collection, use or disclosure of personal data for the purpose of processing your request, enquiry and after-sales support.

You are deemed to consent that we or our product and service partner may contact you for the purpose of your enquiry via voice call, email, text, MMS or fax message, regardless of when you register with the DNC registry.

You shall be allowed to withdraw the consent given but this shall not affect the legal consequences arising from the withdrawal.

Security

Where appropriate, we use available technology to protect the security of communications made through our website. Do note that we do not accept liability for the security, authenticity, integrity or confidentiality of any transactions and other communications made through our website.

Internet communications may be susceptible to interference or interception by third parties. We will do our best but we cannot make any warranties that our website is free of infection by computer viruses or other unauthorised software.

No Offer or Solicitation

Nothing in this website shall be considered or construed as an offer, invitation or solicitation to sell, buy, give, take or transfer, or the giving of any advice or recommendation in respect to mortgages, loans, credits cards or any other banking products.

We are not agent, representative, partner or employee to any financial institutions or providers (banks) listed on this website.

Scope of Products and Services

Products and services (including any third party providers) are available at the discretion of the providers. Such products and services may be withdrawn or amended at any time without notice. The provider shall be under no obligation to consider or to accept/approve any applications.

Acceptance to the products and services is between you and the providers.

Proprietary Rights

This Web Site is owned and operated by the Aspirant Services LLP.

The materials located on this Web Site, including the information as well as any software programs available on or through this Web Site ("the Contents"), are protected by copyright, trademark and other forms of proprietary rights. All rights, title and interest in the Contents are owned by, licensed to or controlled by Aspirant Services LLP.

Restrictions on use of Materials

Except as otherwise provided, the Contents of this Web Site shall not be reproduced, republished, uploaded, posted, transmitted or otherwise distributed in any way, without the prior written permission of Aspirant Services LLP.

Modification of any of the Contents or use of the Contents for any other purpose will be a violation of Aspirant Services LLP's copyright and other intellectual property rights. Graphics and images on this Web Site are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective copyright owners.

Disclaimer of Warranties and Liability

The Contents of this Web Site are provided on an "as is" basis without warranties of any kind. To the fullest extent permitted by law, Aspirant Services LLP does not warrant and hereby disclaims any warranty:

a. as to the accuracy, correctness, reliability, currentness, timeliness, non-infringement, title, merchantability or fitness for any particular purpose of the Contents of this Web Site;

b. that the Contents available through this Web Site or any functions associated therewith will be uninterrupted or error-free, or that defects will be corrected or that this Web Site and the server is and will be free of all viruses and/or other harmful elements.

Aspirant Services LLP shall also not be liable for any damage or loss of any kind, howsoever caused as a result (direct or indirect) of the use of the Web Site, including but not limited to any damage or loss suffered as a result of reliance on the Contents contained in or available from the Web Site.

The Contents on this Web Site do not constitute financial or other professional advice. If financial or other professional advice is required, services of a competent professional should be sought.

Right of Access

Aspirant Services LLP reserves the right to update or modify this Web Site from time to time. Aspirant Services LLP further reserves all rights to deny or restrict access to this Web Site to any particular person, or to block access from a particular Internet address to this Web Site, at any time, without ascribing any reasons whatsoever.

Joining MoneyIQ.sg as member

When you sign up with us as a member, you will automatically join us as an Affiliate. For Affiliate Program Terms and Conditions, please click here.

Links from this Web Site to other web sites

This Web Site contains hyper-links to web sites which are not maintained by Aspirant Services LLP. Aspirant Services LLP is not responsible for the contents of those web sites and shall not be liable for any damages or loss arising from access to those web sites. Use of the hyper-links and access to such linked web sites are entirely at your own risk.

All hyper-links to other web sites are provided as a convenience to you as a user of this Web Site. In no circumstances shall Aspirant Services LLP be considered to be associated or affiliated in whatever manner with any trade or service marks, logos, insignia or other devices used or appearing on web sites to which this Web Site is linked.

Links to this Web Site from other web sites

Except as set forth below, caching and links to, and the framing of this Web Site or any of the Contents are prohibited.

Hyper-Linking to an internal page of this Web Site (not being the Home Page)-You must make a specific request for, and secure permission from Aspirant Services LLP prior to hyper-linking to, or framing, this Web Site or any of the Contents, or engaging in similar activities. Aspirant Services LLP reserves the right to impose conditions when permitting any hyper-linking to, or framing of this Web Site or any of the Contents.

Your linking to, or your framing of this Web Site or any of the Contents constitute acceptance of these Terms & Conditions of Use. This is deemed to be the case even after the posting of any changes or modifications to these Terms & Conditions of Use. If you do not accept these Terms & Conditions of Use, you must discontinue linking to, or framing of this Web Site or any of the Contents.

In no circumstances shall Aspirant Services LLP be considered to be associated or affiliated in whatever manner with any trade or service marks, logos, insignia or other devices used or appearing on web sites that link to this Web Site or any of the Contents.

Aspirant Services LLP reserves all rights to disable any links to, or frames of any site containing inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topics, names, material or information, or material or information that violates any written law, any applicable intellectual property, proprietary, privacy or publicity rights.

Aspirant Services LLP reserves the right to disable any unauthorized links or frames and disclaims any responsibility for the content available on any other site reached by links to or from this Web Site or any of the Contents.

Governing Law

These Terms and Conditions of Use shall be governed and construed in accordance with laws of Singapore.

 

Mortgage Loan for your new property

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Refer a friend

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Home Loan Interest Rates

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Are home loan packages in show flats always the best?

  • While it's true that home loan packages in property show flats are competitive, it may not always be the lowest. Sometimes the bank that offers the lowest rate may not be there. Remember, a slight decrease in rates can make a major difference over a long term loan. It would be wise to look around and compare before committing to a home loan.

Do I get a better deal?

  • We work with bank mortgage specialists to get your home loan approve. We know the banks criteria for deviated rates and will help you get the cheapest home loan rates.

MoneyIQ makes getting a mortgage easy

  • Our services are completely free for most home and commercial loans. We can help you choose from a wide variety of banks and get the best option for your needs.
  • Compare with Trust - We work with every major bank in Singapore. This means you can compare with trust across the best housing loans.
  • Low Rates - We offer a transparent mortgage marketplace so banks make their best offers to compete. When you search for a home loan, we highlight the best quotes at the top of the watch list. You can then compare offers by interest rate, monthly instalment and yearly instalment.
  • Private and Confidential - We don't need any personal information to provide you with real mortgage quotes. We take your privacy seriously. No unwanted calls or emails. You don't need to share your name, email address, phone number to start comparing rates.
  • Cash Rewards - We reward our clients with a token of appreciation. When you secured a home loan or referred a friend who took up a home loan through our services, you will receive a cash reward.

Mortgage Calculators