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Full-market comparison
Every recommendation comes from the same sixteen-bank scan. No hidden shortlist, no preferred-partner package promoted ahead of a better one.
An Independent Brokerage, Built Around the Borrower
Nexus Mortgage SG is a Singapore mortgage advisory that compares packages from sixteen partner banks and recommends the one best suited to your situation — never the one that pays the most. The advice is free, the comparison is exhaustive, and the loyalty sits with you.
Founded
Singapore
Built locally for Singapore borrowers — HDB, private, and commercial.
Bank coverage
16
All major retail banks plus selected private bank packages.
Borrower fee
S$0
We are paid by the bank only on successful placement.
Specialisation
5 lines
New loans, refi, decoupling, equity / cash-out, planning.
Our Story
Why We Started Nexus
Most home buyers in Singapore go to the bank they already use. It feels safe, but it almost always costs them. The package on the shelf is rarely the best one for the borrower — it's the one the bank wants to push that quarter.
Nexus was set up to fix that. We sit on the borrower's side of the table and run a full sixteen-bank comparison every time, fixed and SORA-pegged, with the same information the relationship manager has. The bank pays us for the introduction; you pay nothing.
That model only works if we stay genuinely independent. So we don't take retainers from any single bank, we don't push promo packages that don't suit you, and we tell you when the right answer is to do nothing. Refinancing six months early to chase a 0.05% rate cut isn't advice — it's churn.
Coverage
All Major Banks
DBS, OCBC, UOB, Standard Chartered, HSBC, Citi, Maybank, RHB, CIMB, BOC, ICBC, SCB, HLF, Sing Investments, plus selected private bank packages.
Products
Five Lifetime Engagements
New home loan, refinancing, decoupling, equity / cash-out, and long-term property planning. One advisor across the lifetime of your home.
Compliance
PDPA & MAS-Aligned
All loan recommendations follow MAS TDSR, MSR, and LTV rules. Personal data is handled under Singapore's Personal Data Protection Act.
We win when the borrower wins. Anything else is just a referral fee chasing a number.
Our Principles
Five Things We Don't Compromise On
These aren't slogans — they're the operating rules that decide what advice we give and which engagements we walk away from.
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Zero fee to the borrower
The bank pays us a referral fee only on successful placement. You see exactly the same package terms a relationship manager would offer — at no cost to you.
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Honest "do nothing" advice
If your current package is already optimal, we tell you. We don't manufacture refinancing churn for a fee, and we don't push cash-out for clients who don't need it.
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MAS-rule transparency
TDSR at 4% stress, MSR at 30%, LTV by tenure and age — every calculation we do is grounded in the published MAS rules. We show our working.
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Lifetime relationship
The first loan is rarely the last. We diary your lock-in expiry, watch the rate cycle for you, and surface refinance windows when they actually move the needle.
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No data leakage
Income statements and CPF disclosures stay between you, us, and the bank you choose. We don't sell leads, run remarketing pixels on your data, or cross-promote unrelated products.
16
Partner banks
5
Service lines
S$0
Borrower fee
3–5d
Avg. IPA turnaround
What to Expect
Working With Nexus
We're a small advisory by design — every engagement runs through a senior advisor, not a call-centre script. That keeps the advice consistent and the timeline tight.
- 15-minute discovery call, then a written rate comparison within 24 hours.
- You see the actual three best packages — not a pre-curated "winner".
- End-to-end handling — we chase the bank, you don't.
- Diary reminder when your lock-in expires, with the next rate scan ready to go.
- One named contact for the lifetime of the loan — no rotating account managers.
Office
39A Jalan Pemimpin
#06-02B, Halcyon 1, Singapore 577183. Meetings by appointment only — most consultations run by phone or WhatsApp.
Hours
Mon–Sat, 9am–7pm SGT
WhatsApp messages outside hours are usually answered the next morning.
Languages
English & Mandarin
Plus written-only support for Bahasa Melayu and Tamil for documentation review.
Free Consultation
Ready for an independent second opinion?
Whether you're shopping a new loan, weighing a refinance, or unlocking equity, we'll run the full sixteen-bank scan and tell you the truth — including when not to switch.