Mortgage FAQ

A mortgage referral service provides independent advice comparing plans across banks to find the most suitable product. We don't charge you anything and aren't tied to any one bank, so we can negotiate the best terms on your behalf.

Completely free. Our commission is paid directly by partner banks or financial institutions. Clients never pay any service or advisory fee.

Under current HKMA guidelines, self-occupied properties valued at HK$15M or below can borrow up to 70%. Through the Mortgage Insurance Programme (high-LTV mortgage), eligible cases may reach 90%. Actual LTV depends on valuation, income proof, and stress testing.

If your current mortgage rate is above market, your penalty period has passed, or you want to unlock equity for other purposes (education, renovation, investment), refinancing is worth considering. Refinancing cases often come with bank cash rebates.

Second mortgages increase your monthly repayment burden. Poor cash-flow management may lead to default risk. Some second-mortgage providers are not licensed banks and may charge higher rates. We only refer to licensed, compliant institutions and explain all terms before application.

From submission of complete documents, banks typically provide preliminary approval in 5–10 working days. Including valuation and formal approval, the full process takes 3–6 weeks. Refinancing cases are usually faster.

The stress test assumes rates rise by 3 percentage points and checks whether your debt-service ratio remains below the cap (typically 60% for self-occupied). We pre-calculate this for you before submission to avoid rejection after filing.

Yes. Self-employed, commission-based, or multi-source income applicants typically need to provide 1–2 years of tax returns, company financial statements, or bank statements. We know how each bank handles non-fixed income and match you with the most suitable lender.