Residential Home Loan
HDB, executive condo, condominium, landed — we run a 16-bank comparison and present the three best options for your profile, lock-in tolerance, and rate type preference.
Mortgage Services Across the Lifetime of Your Property
Eight engagements covering every stage of Singapore property ownership — from your first HDB mortgage to refinancing, equity unlocking, and estate-level planning. Sixteen partner banks. Zero broker fees. One advisor.
Partner banks
16
Major Singapore retail and private banks compared on every package.
Service categories
8
From new purchase to estate planning — one team, every milestone.
Broker fee to you
S$0
Banks pay us a referral fee. Your advice is always independent and free.
Avg. IPA turnaround
3–5d
In-Principle Approval, with full document handling on your behalf.
What We Do
Eight Services. One Trusted Brokerage.
Each engagement below comes with a free assessment, transparent rate comparison, and end-to-end paperwork handling. Pick the one that fits your situation — or message us if you're not sure.
New Property Home Loan
Buying for the first time or upgrading? We secure In-Principle Approval before you sign the OTP, advise on HDB vs bank loan, and time your loan disbursement to the construction schedule.
Home Loan Refinancing
Lock-in expiring in 3–6 months? We benchmark your current package against today's market and orchestrate the bank switch — legal sub fees, TDSR re-check, and timing all handled by us.
Cash-Out Refinance
Refinance and unlock equity in one move — borrow up to 75% LTV (combined with existing loan) at SORA-pegged rates from ~1.65% p.a. Private and commercial only; HDB ineligible.
Equity Term Loan
Property fully paid? Borrow up to 55% of valuation against it as collateral — typically 3–5 percentage points cheaper than unsecured personal or business credit. Tenure up to 30 years.
Commercial Property Loan
Shophouse, B1/B2 industrial, strata office. Different LTV ceilings, different stress test — we map the right bank to the asset class and structure the cashflow case for credit committee.
Property Estate Planning
Decoupling, tenancy-in-common restructuring, and inheritance-aware loan tenor design. We work alongside your lawyer and accountant to optimise ABSD, legacy, and ongoing servicing.
Pre-Purchase TDSR Check
Before you bid or sign an OTP, get a precise read on your borrowing limit. Full TDSR / MSR analysis at the MAS 4% stress rate, plus a soft IPA from your shortlisted bank — free, in 48 hours.
How We Work
Four Steps. End-to-End.
Every engagement follows the same disciplined process — whether you're refinancing a HDB flat or financing a $4M shophouse.
01
Profile & goals
15-minute call. We capture income, debts, property type, timeline, and what "best" means for you — lowest rate, lowest payment, or maximum flexibility.
02
16-bank comparison
We benchmark your case against every active package — fixed, SORA-linked, hybrid — and surface the three that materially differ on cost, risk, or terms.
03
Application & IPA
You pick. We submit, chase the credit team, and return with In-Principle Approval — usually inside 3–5 business days for residential, 1–2 weeks for commercial.
04
Disbursement & review
We coordinate with your lawyer through letter of offer to disbursement, and diary your lock-in expiry so we're back at the table when refinancing makes sense.
16
Partner banks
S$0
Broker fee to you
3–5d
Avg. IPA turnaround
100%
Independent advice
Self-Serve Tools
Run the Numbers Before You Call
Three calculators built around the actual MAS rules — TDSR at 4%, MSR at 30%, LTV by tenure and age. Use them anytime; no email gate.
Affordability Check
Calculate the maximum loan you can take across HDB and private rules — with full TDSR & MSR breakdown.
Refinance Savings
Compare your current package vs today's lowest rates — see lifetime interest saved and break-even point.
Equity Unlocked
Estimate cash-out room at 75% / 55% LTV ceilings, less existing loan and CPF used — with monthly payment.
Free Consultation
Not sure which service fits your situation?
One short conversation is usually enough to point you at the right product — and tell you whether to act now or wait for a rate cycle. We'll never pressure you to switch.