You can either go straight to a banks or engage a mortgage broker when looking for a home loan. A banker would only offer you his own products but a mortgage broker will sourcefor the best loan packages from all the financial institutions they partner with, that is most suited to your needs and requirements. This saves you the hassle of walking into every bank and enquiring about their packages, consolidating the different packages, and comparing them by yourself. In addition, our service is absolutely free to you.

It is simple! Just contact any one of our consultants. We will get in touch with you and understand your requirements, and source for the best rates in town for your mortgage. All you need to do is just wait for us to update you the best packages available, and you decide which one to go with. Totally hassle free, and remember - our services are rendered free to you!

Refinancing your loan is essential for anyone who takes a mortgage loan from a bank to save on your interest. Unlike taking a housing loan from HDB, interest rates that are offered by banks are generally lower for the first 2 – 3 years only. Thereafter, it starts to shoot up and you will end up paying much higher interest for nothing. So, the savvy property owners/investors will always try to refinance when their lock-in period is over.

This will depend on what package you signed up when you first took up the loan and whether it comes with a lock in period? If yes, you will be able to refinance without penalty once your lock in period is over. There are a few factors to consider before that so we will suggest you to speak to one of our mortgage specialist to find out more.

The Total Debt Servicing Ratio (TDSR) is a framework to ensure that people borrow, and banks lend, responsibly. TDSR limits the amount borrowers can spend on all debt repayments to 60% of their gross monthly income.

Yes, TDSR affects anyone applying for a mortgage loan. However, there are exemptions for TDSR if your property is purchased for your own occupation on or before 29th June 2013. (i.e OTP granted on or before 29th June 2014)

Typically, it takes about 1 – 2 weeks for banks to process a loan application. It is best to start your refinancing process 5 months before your lock-in period is over to avoid paying (unnecessary) additional interest.

We have served the needs of many clients since we started. Many of them are working professionals, and quite a number are seasoned property buyers/investors. We have been able to meet our clients’ expectations and many ended up referring their friends and relatives to us.

Our mortgage specialists are all trained and experienced in financing and refinancing. You are assured of the level of professionalism and expertise. Talk to us and give us a chance to assist you in lowering your instalments.