Public Bank
First Home Mortgage Guarantee Programme (FHMGP)
Public Bank First Home Mortgage Guarantee Programme (FHMGP) is a conventional home loan, rate on request, up to 100% margin, 35-year tenure.
- Type
- Conventional loan
- Flexibility
- Not stated
- Rate
- On request
- Rate basis
- Rate on request
- Max margin
- 100%
- Max tenure
- 35 years
- Lock-in
- Not stated
Key features
- Cagamas-guaranteed first-home scheme
- Up to 100% financing
Similar packages from other banks
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| BSNBSN MyHomeConventional | 3.65%From SBR + 0.90% (tiered by amount) | None | 95% |
| Alliance BankAlliance Housing LoanConventional | 4.11%SBR + 1.36% to 2.96% (PDS range) | None | 90% |
BSN
BSN MyHome3.65%
Conventional· Lock-in None · Margin 95%
Alliance Bank
Alliance Housing Loan4.11%
Conventional· Lock-in None · Margin 90%
Rates are the figures each bank publishes; “On request” means it doesn’t publish one. Estimate only — the bank decides the final rate and approval.
Rates shown are the examples or “as low as” figures each bank publishes on its product page or Product Disclosure Sheet; “On request” means the bank doesn’t publish one. Your actual rate depends on your profile, loan size and lock-in, and is set when you’re approved.Checked 21 October 2026. EstateBuds doesn’t give financial advice; confirm terms with the bank before applying.