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Pay Less Interest.

Why pay more?

Paying unnecessary high interest reduces your profit when you sell your house!

Common Challenges

1 %

Do not understand housing loan rules. 

1 %

Do not know when is the best time to refinance and how to go about doing it.

1 %

Do not compare home loan packages across banks.

Our Happy Clients!

Andy is a one-stop information for my housing loan matters. With his financial background, he is able to provide me a good opinion of loan and market conditions. He is prompt and efficient and I can count on him for my future needs.




dick lim


I was referred to Andy when I had a hard time trying to find out how to refinance my 2.65%p.a housing loan to reduce my monthly installment. Andy was very efficient and provide me with detailed analysis and comparison report. I was amazed as all this information would take me long time to gather. Everything was explained before I submit any documents. He managed to get me the Letter Offer within 3 days before I traveled. Fast, accurate and efficient.



Civil Servant

Andy saves me from a lot of hassle. He gives good advice and is very efficient in responding. Not only did I save thousands of dollars by refinancing my loan, I also save up time from visiting any bank to find out the rates and documents needed for application. I will definitely recommend Andy!





Business owner


There’s a conveyancing fee of between $2,000 to $3,000, and some banks will charge up to $500 for a valuation. 

You can refinance your HDB housing loan with one from a bank. However, please note that once you refinance your HDB housing loan with a bank, you cannot refinance that loan with HDB subsequently.

Banks grant a legal fee subsidy when you take up a mortgage loan for the private property or HDB flat. Depending on individual bank, the subsidy amount might varies.

The new package will start after the notice period is served. Most banks require 3 months’ notice for full repayment of the loan. If you refinance with another bank before this 3-month period, be prepared to pay a penalty.

Yes, you can qualify for a housing loan if you can show that you have some sort of alternate income or other forms of income that proves you can make monthly installment.