1 Minute Instant Approval
Be the first to enjoy a market-first with DBS’ One-minute Instant Approval*. A simpler step to get a mortgage or refinance. Within 60 seconds, your mortgage approval result will be generated based on your personal information, real time credit bureau checking# and property valuation. Getting a mortgage is so easy!
* After you click “Confirm” and submit the mortgage application, it takes around 1 minute to generate the approval result. Once the information is validated against your submitted documents, the One-minute Instant Approval result will be final and conclusive, getting you to own your new home sooner.
# Applicants are required to declare information of existing mortgage (if any) which will be considered for One-minute Instant Approval.
Benefits
Speedy

Speedy
7 x 24 Accessible

7 x 24 Accessible
Simple

Simple
It takes approximately 10 minutes^ to complete the online application to receive your mortgage result, which is based on a number of factors such as information provided, real time credit bureau checking and property valuation.
^ According to our usability test, most participants completed the application in about 10 mins. The actual application time varies from person to person.
Flexible

Flexible
Secure

Secure
Application Flow
A. Application Flow for Starting a New Application
Step 1: Click “Start a new application” and select your application type; |
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Step 1: Click “Start a new application” and select your application type; |
B. Application Flow for Continuing your Unfinished Application
(If you have dropped off your application before submitting the application, please refer to the steps below to resume your application)
Step 1: Go to the homepage and select “Continue Application” and your previous Application Type; |
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Step 1: Go to the homepage and select “Continue Application” and your previous Application Type; |
C. Application Flow for a Joint Application
(Remark: For a joint application, details of each applicant should be submitted one by one separately, rather than submitted together at the same time)
Step 1: For the primary applicant (i.e. the first borrower who initiates the application), the application procedure will be the same as the Application Flow for Starting a New Application except the “Number of Applicants” will be more than one; |
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Step 1: For the primary applicant (i.e. the first borrower who initiates the application), the application procedure will be the same as the Application Flow for Starting a New Application except the “Number of Applicants” will be more than one; |
Frequently Asked Questions
How can I start using DBS DigiMortgage One-minute Instant Approval (“DBS One-minute Instant Approval”)?
To access DBS One-minute Instant Approval through DBS Home360, all you need is to simply download DBS Home360 from the Apple App Store or Google Play Store to gain access.
Download DBS Home360 now
To access DBS One-minute Instant Approval through the DBS Website, please click here or visit https://www.hk.dbs.com/mortgage/start/en and apply.
Are there any service charges when using DBS One-minute Instant Approval?
If my property is owned through a company, can I apply for a mortgage loan with the company’s name through DBS One-minute Instant Approval?
We regret that the DBS One-minute Instant Approval does not support corporate mortgage application, however, if you would like to apply for a corporate mortgage, please click here to make an e-appointment with our Home Advice Specialists or call our DBS Mortgage Direct Hotline on 2961 2288 during office hours.
- Monday – Friday: 9 a.m. – 6 p.m.
- Saturday: 9 a.m. – 1 p.m.
How long will it take to hear back from e-appointment or “Need Help” inquiry in DBS One-minute Instant Approval?
What kind of personal information will be collected through DBS One-minute Instant Approval?
How can joint applicants apply for mortgage in DBS One-minute Instant Approval?
What is the maximum number of joint applicants in a single application through DBS One-minute Instant Approval?
There can be a maximum of 5 joint applicants in a single application through DBS DigiMortgage, and joint applicants can select their respective capacities (borrower and mortgagor/guarantor) under the application, provided that the primary applicant must act as the borrower and mortgagor.
If you would like to apply for a mortgage with more than 5 joint-applicants, please click here to make an e-appointment with our Home Advice Specialists or call our DBS Mortgage Direct Hotline on 2961 2288 during office hours.
- Monday – Friday: 9am to 6pm
- Saturday: 9 am to 1pm
Can I resume my application in DBS One-minute Instant Approval if I log out during the process?
What factors will be considered for DBS One-minute Instant Approval assessment?
Can I rely on the DBS One-minute Instant Approval result to buy a home?
One-minute Instant Approval result is granted based on the information provided by you, your credit bureau checking and subject property valuation from the surveyor. However, information provided is required to be validated against necessary documents. Hence, the Final Approval result may vary from the One-minute Instant Approval. DBS reserves the right for a final decision of approval.
Customers should not make any financial decision based on the One-minute Instant Approval result. DBS will not be responsible or liable for any financial loss to the customer. The decision of DBS on all matters relating to the mortgage application is final and no appeal or correspondence will be entertained.
Do I need to submit any documents as supporting proof if I apply for a mortgage through DBS One-minute Instant Approval?
Where can I learn more about banking security tips?
Contact Us
- Make an e-appointment with Our Home Advice Specialists now
e-appointment - Call DBS Mortgage Direct Hotline on 2961 2288
Reminder: To borrow or not to borrow? Borrow only if you can repay!
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