Why Work With Us?
If you prefer to work with a trusted partner over the entire duration of your mortgage, and not having to source again every time. Bankers will change jobs or sell only certain home loan packages. Agents might not be there for you long after purchase, or at best, they just ask different bankers to contact you.
At MortgageWise, our focus is to deliver consistently:
- Expert advice in mortgage structuring – fixed or floating and why so at different times of the interest rate cycle? Decoupling at same time? Combo loan? Interest-offset? Lock-in period? And so on..
- Most up-to-date and accurate rates in an easy-comparison format
- “Whole of market” view on all home loan packages including those that banks may not be paying us
- Fast and impeccable service
- Reminder calls 3-4 month before your lock-in expires (don’t ever be late again)
Not only that. You enjoy additional benefits when you take the same home loan package (feel free to check) through us rather than direct from the banks! To thank you for this support, we put together our Rewards programme (see below) which brings you real cost savings for both purchase as well as refinancing (Valuation Fee Offset). Both subject to a minimum loan of $500,000.
And we have an ongoing referral programme reserved only for our clients, since 2014: Each time you refer a friend to us successfully, you get another $50 Fairprice Gift Card from us!
No complicated mechanics. No “Up to” gimmicks. As long as your loan is min $500,000. See our growing list of clients’ testimonials.
Rewards Scheme
Loan Amount |
For Purchase |
For Refinance |
>=$500,000 |
S$200 Fairprice Gift Card |
S$150 Fairprice Gift Card |
< $500,000(min $300,000) |
S$50 Fairprice Gift Card |
S$50 Fairprice Gift Card |
*Rewards are given only when we are paid referral fees in full. There are home loan packages where our fees are cut partially or totally (direct-to-bank only). Our consultants will advise you when we recommend such packages | FairPrice Gift Card is a store-value card where the value shown above is loaded for use up to a validity period of no less than 8 months | Purchases made can be of any amount which will simply be deducted from the value in the card until it runs down to zero
Overseas/Commercial Property Rewards
Loan Amount* |
Reward |
>=S$500,000 |
S$100 Fairprice Gift Card |
< S$500,000(min $300,000) |
S$50 Fairprice Gift Card |
* Equivalent when converted to SGD
** Offset is in the form of Fairprice gift card only, other terms apply.
Terms And Conditions (MortgageWise Rewards Scheme)
- Packages where banks do not pay us distributor (or referral) fees in full or at all are excluded for example (not limited to): direct-to-bank packages, priority banking package eg. DBS Treasures rates, direct online promotions, etc.
- All programmes are contingent on MortgageWise receiving the distributor fee in full from the bank for the loan successfully introduced by us; in event this distributor fee is not received or reduced for whatever reasons, Management reserves the right not to award the reward at its sole discretion.
- Gift value awarded is tiered on the final loan amount (based on SGD or equivalent) disbursed in accordance with Letter of Offer signed, and also on a per property basis. Loans cannot be combined for those with multiple mortgages.
- Wherever there is a time-based element to qualify for any programmes, we cannot be held responsible for delays in the loan application process caused by the bank or any other party or for whatever reasons and no such requests will be entertained.
- In situations where the loan is signed but subsequently withdrawn by you for whatever reasons, and the bank claws back from us the distributor fee paid out, we will ask you to refund us the full value of the rewards given via PayNow or otherwise.
- In event of any dispute Management reserves the right to any final decision it deems appropriate.
- Management reserves the right to stop any of above programmes or promotions, or change the gift card from one establishment to another of the same dollar value as it deems fit without prior notice.