mortgage consultant showing home loan Singapore packages

Why Work With A Trusted Mortgage Broker?

Until the day A.I. (artificial intelligence) takes over completely which I doubt, you will still need that human advisory on how to choose the best home loan package based on your unique needs. And machines can never forecast interest rates for you.

Why Not Speak Directly With The Bank?

If you speak to a banker directly, he or she can only go so far as to “push” to you what is claimed as the best package in the market.  The negatives will not be revealed or highlighted.  Unlike when you work with us, an independent third-party mortgage distributor, who not only show you at-one-glance all the latest rates by the week, but gives you that historical background and all the pros and cons of each loan.

Much the same like when you want to buy a Macbook Pro, you pay the same price whether you get it from apple online, the Apple Store at Orchard, or a third-party distributor like Challenger, etc.  The difference is – you get a lot more value when you get it from a distributor who is more hungry for your business.  You get the same, if not better professional advice that encapsulates the entire product category not just on Mac.  On top of that, you get extra perks like discounts off Office for Mac, free gifts thrown in from the retailer.

Of course in any open market competition there will be varying degrees of service excellence and product knowledge.  So choose wisely who you want to work for your mortgage needs, especially for the long term.  Go with one who is not only the domain knowledge expert and thought leader in the industry, but who also demonstrated a track record of service excellence and always putting client’s interests first, instead of simply “peddling” loans or worst other investment/financial products to you.

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Why Not Work With Bankers Introduced By My Realtor?

For those who just placed the deposit for that dream home and needing a new purchase home loan, we understand you have an existing relationship with your property agent who has just helped you secure the unit you wanted, hence earning his rightful keeps as an agent.

You would naturally want to support your agent by taking the loan from the bankers he introduced.  The agent obviously loves to maximise his returns on a single sale by referring his client to all sources possible including the bank who pays the same third-party distributor fee (referral fee) to agents or brokers alike.  We ask you to consider your own interests first – agents are not as plugged-in to the whole eco-system on mortgages and most of the time they will just “throw” you various bankers in hope one of them will close. They are unable to advise you much on how to make the right choice on fixed vs. floating, what hidden terms to look out for, much like guiding you on “how to stay ahead of the curve“.

This is where we come in to do the professional job. And remember we don’t just do one-off transaction like agents. We will there for you when your loan is up for renewal 2-3 years down the road, giving you that early reminder call so you can move swiftly from one promotional offer to the next without a hitch. You’ll need a mortgage consultant who can do this for you fuss-free and most importantly – a trusted advisor.

1. We Are There For You At T.O.P.

handshake showing trust in mortgage consultant

For those buying a newly-launched project, you will likely review your home loan come T.O.P. where most will be given the option of a free conversion with the existing bank.  Should you convert or move to another bank?  This is where once again we will show you the latest rates in the market and go through with you a different set of considerations now that you would be able to go for fixed rate vs floating rate mortgages. Your agent can’t quite do that for you.

2. We Are There For You Every Time

trusted mortgage broker

For completed properties or those seeking refinancing, understand that most clients call us a few months late when it comes to reviewing of mortgage interests.  This is because they often do that when they receive the notice from the bank that their mortgage interest will be revised up from the following month.  A 2-month notice period is required to refinance out!

At MortgageWise, we have our in-house CRM system that will prompt us to call you 4 months before your current lock-in expires.  And we do that every 2-3 years with every client, ensuring they will never have to pay higher interest for any extra day than necessary.

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3. Enjoy Exclusive Privileges For Purchase & Refinance

We do have a standard Rewards programme ($150 FairPrice gift card for min loan $800,000) for all MortgageWise clients. But privileges doesn’t end there. We have assembled the tools, resources, network of partners (senior bankers, law firms, financial advisors) all working as one team for you, to deliver that seamless and end-to-end mortgage solution.

That’s the reason why you see the consistency in our service delivery over the years, which has garnered us an endless list of accolades.

4. Enjoy A LifeTime Of Rewards

We call it a lifetime of rewards once you choose to be a MortgageWise client.  It’s our loyalty scheme which has been incepted since we started operations in 2014.

We know how referral scheme is always first and foremost about the product and service experience, not how much you get paid by referring someone. That’s why our programme is unique from all other broker websites where the pre-requisite is – you must first be our client. You can’t quite refer if you are not. Surely you would like your loved ones from family members to close friends to benefit from lower mortgage interests, and from our independent and in-depth analysis. To do that, you need to try us out first and be assured of what we promise.  And we are confident of our brand promise.

And wouldn’t it nice to know that every time you refer a loved one to us successfully for his or her loan, not only do they get great service and value from us, you’ll get a $50 gift card couriered to your doorstep each time.  And that is a lifetime benefit, once you become a MortgageWise client.

5. Access The Latest & Most Accurate Rates Always

Last but not least, in an ever-changing world today where interest rate can bounce up and down in short cycles, you need to stay abreast of rate movements and trends.  With MortgageWise watching your back, you now access all the latest rates literally at the push of a button – just WhatsApp us anytime and anywhere, for your own mortgage needs and those of your loved ones’.

And you can trust us to give you that “whole-of-market” perspective on home loan packages, even those banks who may not be paying us from time to time.

More than just a single transaction, we hope you see the value of partnering us in your mortgage journey.  See the faces of many of our happy clients over the years.  That’s because we advise from our hearts.  And we are delighted and honoured so many clients are willing to vouch for our service with their faces. It’s an honour that we do not take lightly and which encourages us to continue our good work to help more people.

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