At RateSmart, your home journey goes beyond financing.
We help you secure the best mortgage so you can focus on what truly matters: building your dream home.
Turn your property goals into reality and get rewarded along the way with every approved loan.
Smart choices deserve smart rewards.
Terms & Conditions
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This campaign is valid until 31 January 2026, unless updated by RateSmart.
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To qualify, your home loan must be applied and approved through RateSmart during the campaign period.
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Each approved loan is eligible for one voucher reward.
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Vouchers will be sent within one (1) month after the loan is officially approved.
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Rewards are not transferable, exchangeable, stackable with other promotions or redeemable for cash.
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If the loan is rejected by the bank, withdrawn, cancelled or not disbursed, the reward will not apply.
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RateSmart may update or end the campaign at any time, and any decision made will be final.
Festive Home Perks!
💡
Guaranteed Reward:
at least $188 IKEA Gift Card
when your loan is approved and accepted with Ratesmart.
T&Cs apply
Designed for trust, simplicity, and style.
Here’s How It Works:
Apply for your home loan through RateSmart.
Get approved and sign with the bank.
Receive your Gift Card to kickstart your home setup!
Maximise Your Savings with Renovation Perks
Turn your property goals into reality, and get rewarded along the way. Celebrate your homeownership milestone with practical rewards for your new space when your loan is signed and approved through us!
🎁
Guaranteed Reward: Get at least $188 IKEA Gift Card when your loan is approved and accepted with Ratesmart. T&Cs apply.
At least
$188 IKEA Gift Card*
guaranteed
when when you finance your home with RateSmart.
*T&Cs apply.
Why Homeowners Choose RateSmart
Smarter financing with personalised mortgage options from trusted banks
Exclusive renovation rewards with every approved loan
Seamless rewards redemption — no forms, no hassle
Legal guidance and property advice from experts, not algorithms.
Smart homeownership guidance under one roof