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Mortgage Calculator
Mortgage
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Mortgage options

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Basic Mortgage
Mortgage Calculator
Property price
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%
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%
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Property details
Valuation
Property type
If this website fails to provide the property valuation you need, please select "Other" to manually enter the property address.
Mortgage Process
Verbal valuation and pre-approval
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Sign the Provisional Agreement for Sale and Purchase
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Seek advice from mReferral
Apply for a mortgage loan from at least three banks. If you want to apply in one go, mReferral would definitely help.
Mortgage Process
Submit documents
Provisional Agreement for Sale and Purchase, copy of ID card of borrower and guarantor (if any), income proof, e.g. employment contract/latest salary slip, bank book/statements showing salary income or latest tax demand note
Mortgage Process
Bank approves mortgage application
It usually takes a week to a month for the bank to approve a mortgage. Compare and choose the bank with the most suitable terms, and sign the letter of loan offer with bank. The bank will send a letter to your law firm to inform the lawyer to prepare the mortgage deed.
Mortgage Process
Sign documents at law firm
Before the transaction day, the buyer and the guarantor (if any) go to the law firm to sign the mortgage deed and other documents required by the bank.
Mortgage Process
Complete transaction
The law firm informs the bank that the bank will deliver the loan to the law firm to arrange delivery to the seller, and the transaction is completed. After the transaction is completed, the bank will issue a cash rebate for the mortgage within one month. In addition, a repayment process table will be sent to inform customers of the detailed information of the principal, interest and balance of the monthly payment.
Property valuation

Joint venture of CK Hutchison Holdings Limited and Midland Holdings Limited
95% of mortgage applications are successfully approved

Established in 2000, mReferral Corporation (HK) Limited (mReferral Mortgage Brokerage Services) is a joint venture of CK Hutchison Holdings Limited and Midland Holdings Limited. mReferral is mainly engaged in mortgage referral business. In recent years, it has actively developed financial technology and built a financial product comparison platform.

mReferral offers the mortgage plans from all banks with mortgage services in Hong Kong. We partner with over 70 banks and financial institutions, providing more than 100 mortgage and refinance products, More than 95% of mortgage application have been successfully approved. In 20 years, we assisted more than 370,000 customers in mortgage processing, and the mortgage amount exceeds 1.1 trillion.

Through mReferral, customers can access up-to-date mortgage plans of numerous banks and financial institutions simultaneously. mReferral provides detailed analysis and comparison on different mortgage plans, helping customers to choose the most suitable mortgage plan. Our services cover new mortgage, refinancing and cash-out refinancing on your primary or secondary residential, industrial and commercial properties.

Since 2020, we have been actively developing diversified businesses, extending referral services from mortgages to personal loans, credit cards, bank account openings, etc., and cooperating with the Hong Kong Monetary Authority, a number of virtual banks, and financial technology companies to jointly build financial product comparison platform to meet the increasing needs of customers. Looking to the future, mReferral will continue to strengthen the development of financial technology and use big data to provide customers with a better financial management experience.

In 2000
mReferral established
70+
Banks and financial institutions
100+
Mortgage and refinance products
95%
Successful approval

Scope of services

Property valuation arrangement
Loan pre-approval arrangement
Information of the latest mortgage plans and offers
Mortgage plan analysis and comparison
Mortgage application process follow-up
New mortgage, refinancing and cash-out refinancing on primary and secondary residential, industrial and commercial properties.
Personal loan, credit cards and bank account offers comparison
  • Property valuation arrangement
  • Loan pre-approval arrangement
  • Information of the latest mortgage plans and offers
  • Mortgage plan analysis and comparison
  • Mortgage application process follow-up
  • New mortgage, refinancing and cash-out refinancing on primary and secondary residential, industrial and commercial properties.
  • Personal loan, credit cards and bank account offers comparison

Mortgage referral procedures

You are hassle-free when you arrange your mortgage through mReferral.
We will guide you through the entire process giving you the best recommendations along each step of the way.

Understand your mortgage needs
Arrange free property valuation
Introduce you the hot mortgage plans and offers
Analyze and recommend the best plan for you
Collect your documents and submit application
Signing of mortgage loan contract
Loan drawdown completed
Bank
Financial institutions
livi bank
HSBC
Hang Seng Bank
Standard Chartered Bank
The Bank of East Asia
Citibank
ICBC (Asia) Ltd
Bank of Communications
China Construction Bank (Asia)
Citic Bank International
Dah Sing Bank
DBS Bank
Fubon (HK) Bank
Nanyang Commerical Bank
CMB Wing Lung Bank
Chong Hing Bank
OCBC Wing Hang Bank
Chiyu Bank
Public Bank (Hong Kong)
Airstar Bank
WeLab Bank
More +
Zero Finance X Wallet
Grantit
Legend Credit Limited
National Resources Properties Mortgage Limited
EasyLend
Promise (Hong Kong) Co., Limited
WeLend
KONEW FINTECH CORPORATION LIMITED
Phillip Finance (HK) Limited
Hao Tian Credit Company Limited
China Yinsheng Finance Limited
United Asia Finance Limited
Future Land Resources Capital Group Limited
Winson Finance Limited
Wah Choi Company Limited
VMS Investment Group
The One Credit Limited
Rich Well Finance Limited
Future Land Resources Finance Limited
Sun Hung Kai Credit Limited
Public Finance Limited
Pan Asian Mortgage Company Ltd
ORIX Finance Services Hong Kong Limited
Oi Wah Pawnshop Credit Limited
OCBC Wing Hang Credit Ltd
Nishikawa Finance Limited
Nic Sang Finance Co. Ltd
Lei Shing Hong Credit Limited
KB Financial Planning Limited
JIT Finance Company Limited
Hong Kong Finance
HKCB Finance Limited
GIC International Credit Ltd
Get Nice Finance Company Limited
Fulbright Finance Limited
First Credit Limited
ETC Finance Limited
Emperor Finance Limited
Easywin Finance Limited
Credit One Finance Limited
Cornell Finance Limited
Carefree Finance Company Limited
Asia One Credit Limited
More +

Industry leader with Outstanding Brand Management

mReferral has a strong brand of mortgage referral. It has been established for more than 20 years and is the leading company in the mortgage referral industry. It has been interviewed by major media for many times to analyze the mortgage market. In order to further increase the public's awareness of mortgage products and other financial products, our professional service team provides free education through various online and offline channels to help customers successfully purchase property and achieve other financial goals. Besides, mReferral had been very proud to be the winner in a number of branding and charitable awards in recent years, it is once again proving that mReferral is well supported by the industry players and the general public in Hong Kong.

Community services

As a good corporate citizen, mReferral has been consistently encourage employees to participate in various charity and volunteer activities. Besides, mReferral has been awarded the “Caring Company” honor by The Hong Kong Council of Social Service for seven consecutive years, reflecting the recognition of the public and society in the past. mReferral will continue work harder in the future, in order to spread the seeds of love to help the community and people in need.

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