Your mortgage shouldn't cost more than it needs to.
Get matched with mortgage options for home purchase or refinancing — with a free eligibility and rate check before you commit to anything.
See what rates and loan quantum you qualify for based on your property and income profile, no paperwork required upfront.
Whether you're buying your first home or refinancing an existing loan, we help you compare packages across banks.
HDB, condo, and EC financing, with guidance on LTV limits, TDSR/MSR, and CPF usage.
Understand your eligible loan quantum and indicative rates before you lock into a bank's in-principle approval.
With dozens of packages, floating vs fixed rates, and lock-in periods to weigh, most homeowners either stick with their existing bank out of convenience or lock in a rate without comparing.
Every bank has different rates, lock-ins, and subsidies. Without a broker, most people compare two or three banks and stop.
TDSR, MSR, existing loans, and CPF usage all affect how much you can actually borrow — but many only find out after an in-principle approval is rejected.
We help homeowners and buyers compare mortgage packages across banks and match you to the right structure for your property and financial profile. We advise on eligibility and structure; the loan application stays with you and the bank.
We weigh fixed vs floating, lock-in periods, and subsidies against your plans (e.g. selling in 3 years vs staying long-term).
We walk you through LTV, TDSR/MSR limits, CPF usage, and realistic timelines — so you're not guessing.
The key facts, upfront. An advisor can walk you through how they apply to your mortgage loan.
Start with a free eligibility check — no documents needed to find out where you stand.
Property type, purchase or refinance, outstanding loan (if any), and income details.
We assess your profile against TDSR/MSR and lender criteria, and show indicative packages you're likely to qualify for.
Once you know your options, we'll tell you exactly what's needed — typically IC, income documents, and CPF statements — so you're not submitting blind.
Get a straight answer on what you qualify for, in one conversation.
Free eligibility and rate comparison, no obligation, no documents required upfront
Straight answers — including "refinancing isn't worth it yet," when it isn't
Independent advisory: we consult and match; the application is always yours
Fill in your details and an advisor will get back to you within 1 business day with a free eligibility check. No obligation, no documents needed yet.
We're here to answer questions you may have on the Mortgage Loans
Are you the lender?
We are an independent advisory firm. We are not a bank or licensed moneylender — we advise on mortgage options and help match you with a suitable lender or bank package. Financing is provided and approved by the bank, not by us.
Can you help with both new home purchases and refinancing?
Yes. We advise on mortgages for new property purchases (HDB, condo, EC) as well as refinancing of existing home loans.
What's the difference between a fixed-rate and floating-rate mortgage?
A fixed-rate package locks in your interest rate for a set period, giving payment certainty but usually a lock-in penalty if you exit early. A floating-rate package moves with market benchmarks (like SORA), which can mean lower costs but less predictability. We'll walk you through which suits your plans.
How much can I borrow?
This depends on your property type, income, existing debt obligations, and regulatory limits — including Loan-to-Value (LTV) limits and TDSR/MSR thresholds. Our free eligibility check gives you a clearer picture before you approach a bank.
What is TDSR/MSR and how does it affect me?
TDSR (Total Debt Servicing Ratio) caps your total monthly debt repayments at 60% of gross income. MSR (Mortgage Servicing Ratio), which applies to HDB flats and ECs, caps mortgage repayments at 30% of gross income. Both affect your maximum loan quantum.
Is refinancing worth it for me?
It depends on your current rate, remaining lock-in period, and how long you plan to keep the property. In some cases, refinancing costs (legal fees, valuation, clawback penalties) outweigh the savings — and we'll tell you if that's the case.
What documents do I need?
For the free eligibility check, none — just tell us about your property and financing needs. If you proceed, you'll typically need your IC, income documents (payslips/NOA), CPF statements, and existing loan details if refinancing.
How long does approval take?
Approval timelines are set by the bank, not by us. In your consult, we'll give you a realistic picture of the process so there are no surprises.
Am I guaranteed to get the loan?
No — approval and the final loan quantum are decided solely by the bank based on their credit assessment and valuation. We help you understand your eligibility and apply to the right option, but we don't guarantee approval.
