We get you the Best Rates for all your property needs.

Private Property
Loan Refinance

Out of your lock-in period on your home loan? It is time to consider refinancing it for a lower interest rate.

Property Cash Out Business Loan

Running an incorporated company in Singapore? Cash out your 80% paid private property funding your business.

Commercial Property Loan Refinance

Out of your lock-in period on your commercial loan? It is time to consider refinancing it for a lower interest rate.

About Mortgage Specialist Asia

With over 10 years of experience, we are committed to providing our clients with the best mortgage deals.  With our extensive network, we make sure that our customers are able to enjoy good rates. Our friendly sales support team will get back to you in 1 working day, customer satisfaction guaranteed.

Property Singapore
How to increase your rental yield with Home Loan Refinancing
How to increase your rental yield with Home Loan Refinancing

How to increase your rental yield with Home Loan Refinancing

Your rental income is always at risk to events that are not within your control – such as interest rate hikes, increasing taxes, or market fluctuations in the rental rate. Sure, raising your tenant’s rent will increase you profit in the short term but it will be...

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Property
The top 9 cities in the world for rich foreign property buyers
The top 9 cities in the world for rich foreign property buyers

The top 9 cities in the world for rich foreign property buyers

by OSCAR WILLIAMS-GRUT Global estate agent and property consultancy Knight Frank on Thursday released its annual “Global Cities” report, looking at the state of the property market in top cities around the world. As part of the comprehensive report, Knight Frank...

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The 2 most frequently asked questions on refinance

What if I do not refinance?

More often than not, home owners are too caught up with their daily lives that they overlook on the interest rates of their home loan that they are servicing after the 3rd to 5th year. Interest rates after the 3rd to 5th year can be significantly higher and can even be two-fold of the original rates given. It is the onus of home owners to check the letter of offer that they have signed every 3 years to ensure that they are not paying a much higher monthly installment. For property investors, this can adversely affect their profit margins on their rental yield.

 

Why refinance after my lock-in period?

With home loan interest rates increasing, the way home loan packages work, you’ll find yourself at the mercy of banks once you’ve left their lock-in period. Even fixed rate loan packages default to floating rate over time, so you might be trapped with a mortgage interest rate of 3% or more, without any alternatives because you can’t home refinance anymore. Home owners are greatly affected due to the increase of their monthly installment and this can affect their monthly commitment greatly. If you own a commercial space, you might be paying an interest rate of 4% or more if you do not refinance. Business owners find it hard to sustain their monthly installment with the overall economy slowing down and this greatly impacts the whole finance world.

Why not get a free assessment of your current loan with us today?