Win big in the long run when you
Start Your Mortgage Journey Right
Get our forecast for the year and detailed mortgage strategy! Save 10x more working with us all through the interest rate cycle. Your agent may have helped find your dream home, but he’s not the expert in forecasting interest cycles. And the key to saving big in mortgage costs is taking early action before the cycle peaks, reverses or goes flat. Not just once, twice but every time.
Do it right from the start by partnering with a true mortgage professional, just as you would with your insurance and investment needs. Tap our network of experienced & reliable bankers, law firms, financial advisors to ensure a smooth transaction end-to-end.
What you need to know
Interest Rate Cycle
More than anything else, you need to know where are we in the entire interest rate cycle. That’s the basis of all our recommendations be it fixed or floating.
Few bankers or even mortgage brokers walk you through this but that makes all the difference. And that’s also how we get almost 80% of our advisory spot-on, helping clients like you save $$ more than any vouchers or cash back.
FAQs
1. What’s the difference working with a broker vs my agent?
If you believe in 10,000 hours to get to excellence, then you will want to work with the expert in each field, be it for property search or mortgage search. As we live and breathe mortgages (full-time), we are constantly in touch with the best weekly rates, sometimes deviated rates.
We are also able to analyse and recommend the right loan to you, rather than just getting bankers from different banks to call and peddle their packages as the best to you.
2. Are there any tangible benefits working with you?
Yes. We do work with our law firm partners from time to time to bring you slightly lower costs for purchase legal fees. Check with our consultants for details.
This helps bring your effective legal cost to one of the lowest in the market – $2,400 (all-in) for private condo purchase*
*$2,400 legal fee is for a standard condo purchase (exclude landed) up to S$3m, excluding but not limited to: early completion less than 8 wks, bridging loan, mortgagee sale, drafting clauses eg. tenancy terms, courier charges for overseas clients, etc
3. Tell me something I may not be aware of as a first-time buyer?
For completed or resale properties, the most common “mistake” made, especially in the last 10 years, is to over-commit on long fixed rate term of usually 3-5 years. Just ask anyone who has signed on 5-year fixed rate package if they have overpaid at the end of the lock-in period.
For new launches or projects under construction, many are still unaware that cancellation fee (usually between 0.75-1.50%) acts like a pseudo lock-in penalty as it adds an extra cost when one sells a property at T.O.P.
4. Do you work with me when my lock-in ends later?
That’s the whole crux!. We need to make sure we give you the right advice. Otherwise this question is flipped over – you will not want to work with us again.
This is perhaps the biggest difference when it comes to working with bankers direct or a mortgage broker. Not only do we call you early every time your lock-in expires every 2-3 years in Singapore, we make sure we give you the best advice – and that includes asking you to reprice with your bank. And by the way that means no business for us. Try us to find out.
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