Home Loan Advisory Company in Singapore
Mortgage Advice Tailored to Your Home Financing Needs
mortgageplus is a trusted home loan advisory company in Singapore. From loan comparison and application support to refinancing guidance, our mortgage specialists will simplify every step of your home financing journey.
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Home Loan Advisory You Can Trust
Finding the right home loan is about more than securing a competitive interest rate. The right financing solution should support your long-term financial goals while giving you the flexibility to adapt as your needs change.
As a trusted mortgage broker in Singapore, mortgageplus works with multiple banks to compare loan packages, explain financing options, and provide personalised recommendations based on your financial profile and property objectives.
Whether you're purchasing your first home, upgrading to a larger property, or reviewing your existing mortgage, our experienced mortgage specialists can guide you through every stage of the process.
What Does a Home Loan Advisory Company Do?
A home loan advisory company, also known as a mortgage broker, helps borrowers compare financing options across multiple banks and financial institutions.
Unlike approaching a single bank, working with a home loan advisory company in Singapore provides access to multiple financing options, allowing you to make a more informed decision based on your financial goals.
At mortgageplus, our mortgage broker services typically include loan comparison, interest rate evaluation, in-principle approval assistance, documentation guidance, and ongoing refinancing support.
Understanding How Home Financing Works in Singapore
Home financing is typically obtained from a bank or financial institution to purchase a residential property and is paid in monthly instalments. The instalment you pay usually covers both the principal amount borrowed and the interest charged.
How it Works:
The lender provides you with a lump sum to purchase your property.
You repay this sum plus interest over an agreed loan tenure such as 10-15 years.
The property serves as collateral until the loan is fully repaid.
There are two ways to finance your home, directly from your bank of choice or through a mortgage broker. Working with a home loan advisory company like mortgageplus, ensures that your home finance options are evaluated comprehensively rather than limited to a single lender’s offering.
Expert Guidance on Securing the Right Home Finance Solution
Improve Your Credit Score Before Applying:
Borrowers with good credit histories can get their loans approved easier and possibly higher loan quantum as lenders are more confident they will pay back the loan hassle-free. Pro tip—pay your bills on time, reduce outstanding debts, and avoid taking on unnecessary new credit before applying
Understand Total Debt Servicing Ratio (TDSR) & Mortgage Servicing Ratio (MSR):
Borrowers with good credit histories can get their loans approved easier and possibly higher loan quantum as lenders are more confident they will pay back the loan hassle-free. Pro tip—pay your bills on time, reduce outstanding debts, and avoid taking on unnecessary new credit before applying
This limits the portion of your gross monthly income that goes toward repaying your debts to 55%. It needs to be calculated to see how much you can borrow to finance your house.
This is mainly applicable for HDB and executive condominium financing and confines your housing loan repayments to 30% of your income.
Compare Beyond Interest Rates:
While low rates are attractive, also look at lock-in periods, early repayment penalties, and flexibility for refinancing.
Understand Refinancing and the Right Timings for It:
Interest rates and your financial situation change over time. Refinancing your loan after your lock-in period can lead to significant savings.
Make mortgageplus Your Trusted Home Loan Advisory Company
We specialise in connecting potential homeowners with the best home loan packages in the Singapore market. As a reliable mortgage broker in Singapore with a strong network of partner banks, mortgageplus ensures you not only have access to exclusive rates and transparent terms but also personalised support from application to approval.
Why trust us:
Partnerships with Major Banks & Financial Institutions.
Transparent Rates & Terms.
Fast Approval Process.
Mortgage Advisory Services
mortgageplus provides end-to-end mortgage advisory to help Singapore property buyers and owners make confident financing decisions.
Home Loan Consultation
Receive personalised recommendations based on your income, property type, and financial objectives.
Bank Loan Comparison
We compare financing packages across participating banks, helping you identify suitable loan structures without visiting multiple lenders individually.
Home Loan Application Support
From document preparation to loan submission, we assist throughout the application process.
Mortgage Refinancing Advice
Review your current mortgage and identify refinancing opportunities that may reduce borrowing costs or improve repayment flexibility.
Ongoing Mortgage Reviews
As interest rates and financial circumstances change, our advisors help you review your mortgage to ensure it continues meeting your needs.
Bridging Loans
Short-term funding to help you transition smoothly between selling and buying properties.
Construction & Renovation Loans
Flexible financing for building a new home or upgrading your existing property.
How Our Home Loan Advisory Process Works
Consultation
We start by understanding your financial profile and property goals.
Loan Comparison
We shortlist the most suitable offers from our network of lenders.
Application & Documentation
You submit the required forms, income proofs, and property documents.
Approval & Disbursement
Once approved, funds are released for your property purchase or refinanced to another bank.
Ongoing Support
We continue to advise you on repayments, refinancing options, and rate changes.
Why Work With a Mortgage Advisor?
While most Singapore banks offer one-size-fits-all deals, mortgage brokers like us work with multiple lenders to offer you the best financing solutions at no cost.
Other advantages of working with mortgage specialists include:
Independent recommendations
Professional mortgage expertise
Time-saving application process
Ongoing refinancing guidance
Personalised financing strategy
At mortgageplus, we not only offer wider loan package options but also access to exclusive deals so you can compare across banks to find the best one that suits your lifestyle and needs. That’s not all, our consultants offer personalised advice and tailored solutions to meet your goals.
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