Latest Blog
What’s the Difference Between Variable vs Fixed Rate Mortgages?
9 April 2025
When choosing a mortgage, understanding the difference between variable and fixed rates is essential. A fixed-rate mortgage locks in your interest rate for a set period, offering stability and predictable repayments. It protects you from rate hikes but doesn’t benefit from rate drops. Conversely, a variable-rate mortgage fluctuates with the
Read moreThings to Know as a First Home Buyer
2 April 2025
Buying your first home is an exciting milestone, but it comes with its own set of challenges. Start by understanding your budget and getting pre-approved for a mortgage. This will give you a clear idea of what you can afford. Familiarise yourself with government grants and schemes available for first-time
Read moreHow Do You Know You Are Ready to Refinance?
26 March 2025
Refinancing your home loan can be a strategic financial move, but timing is crucial. If you’re considering refinancing, start by evaluating your current interest rate. If market rates have dropped since you locked in your loan, refinancing could save you a significant amount in interest payments. Assess your personal financial
Read moreWhat Happens to Your Mortgage If You’re Self-Employed
17 March 2025
Being self-employed offers flexibility and independence, but it can also complicate your mortgage situation. Lenders often view self-employed individuals as higher risk due to fluctuating incomes. To secure a mortgage, you’ll need to provide extensive documentation, including tax returns, business financial statements, and possibly a letter from your accountant. It’s
Read more
Chinese (Hong Kong) 
English 
Chinese (China)