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Basic Mortgage
Mortgage Calculator
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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.
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mReferral mortgage referral online application form

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Applicant (1)
Please input valid English name
Please input valid Company English name
Please input valid BR. number
Please input valid Contact person English name
Please input valid ID card no.
Please input valid Mobile number
Please input valid Email
Applicant (2)
Applicant (2)
Please input valid English name
Please input valid Company English name
Please input valid BR. number
Please input valid ID card no.
Please input valid Mobile number
Please input valid Email
編輯
Property address (English)
Please input valid Flat
Please input valid Floor
Please input valid Block
Please input valid Estate
Please input valid Street
Please select Area
Please select District
編輯
Loan information
HK$ Please input valid amount
Completion date
Please input valid Completion date
編輯
Others information

How did you know mReferral Service?

Please input valid Phone number
  1. I am/We are not required to pay any fee to mReferral and I/we have the right to refuse any offer made by the lender(s) through mReferral.
  2. I/We confirm that the above information provided by me/us is true. I/We hereby authorize mReferral to refer or provide to any lender(s) having a mortgage referral arrangement with mReferral (including the lender(s) selected by me/us) any personal information relating to myself/ourselves (including personal information contained herein and any other personal information which may hereafter be provided by me/us to mReferral through telephone or electronic media) so that the relevant lender(s) may contact me/us directly in completing the application procedure.
  3. I/We expressly agree and authorize mReferral to follow up on and to forward my/our application(s) to individual lender(s) on my/our behalf for referral purpose and to receive information on the progress of my/our application(s) from the individual lender(s). I/We also authorize individual lender(s) to accept referral from mReferral and to contact me/us directly using the personal data provided in this form and to release information on the progress of my/our application(s) to mReferral.
  4. I/We understand that the above application is subject to the final approval of the individual lender(s).
  5. I/We acknowledge and agree that upon my/our acceptance of loan from any lender(s), mReferral will receive a referral fee from the lender(s).

Unless objection is raised by the option below, once herein applied, only Applicant (1) will be granted with and agrees to accept the membership of Midland Club and I/we consent to mReferral using and/or transferring my/our personal data (including name, telephone number and email address) to Midland Club for processing application for membership and for the purposes of providing membership benefits, special offers, services, activities and/or rewards (details are outlined in the website of Midland Club www.midlandclub.com.hk) and/or to third parties set out in the Privacy Policy Statement (“third parties”) for direct marketing. I/We understand that even if I/we have given consent to mReferral to use and/or transfer my/our personal data to Midland Club and/or third parties, I/we may still have the right, at any time without charge, to request mReferral to cease to use and/or transfer my/our personal data to Midland Club and/or third parties for the purposes before mentioned (details are outlined in the Privacy Policy Statement posted in https://www.mReferral.com/en/privacy-policy/).

I/We object to mReferral:

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Notice:The submitted information will be kept by mReferral for referral use. If you agree the above items and would like to make this application, please click "Agree & Submit" for the application.

Please scroll down to complete the application

You have successfully submitted your application and the reference no. is . Here is the mortgage specialist for you.
We have started processing your mortgage application. If you have any questions, please contact us at 319-66688.
Thank you for choosing mReferral!

You have successfully submitted your application and the reference no. is .
We have started processing your mortgage application. If you have any questions, please contact us at 319-66688.
Thank you for choosing mReferral!

Application date:
Staff name:
Contact number:
Download form

Apply now - Choose the bank offer

Select the following mortgage plans and apply instantly through the online application system, you will enjoy the privilege offers. (You may choose multiple offers.)

  • Hot offer
  • Approval rate as high as 95%
Offer (As low as)
H+1.35%
New mortgage
H+1.4%
Refinancing
Cash rebate (Up to)
1.1%
New mortgage
1.0%
Refinancing

mReferral offers various kinds of mortage plan with attractive rate! 

• Extra mReferral supermarket coupon up to $6,000 

• Free concierge services

Terms and Conditions apply to above offers. Please contact mReferral staff for details.

  • Hot offer
  • Extra $600 BoC Pay merchant e-Coupons reward via online application
Offer (As low as)
H+1.4%
New mortgage
H+1.5%
Refinancing
Cash rebate (Up to)
1%
New mortgage
0.2%
Refinancing

BOCHK provides this mortgage plan and the privileges include: 

• Reply your application by designated staff on the same day and Express mortgage approval in 1 day 

• Privileges are valid till 31 December 2022 

Terms and Conditions apply to above offers. Please contact mReferral staff for details.

  • Hot offer
  • Successfully apply to enjoy premium discount on Home Insurance Plan
Offer (As low as)
H+1.3%
New mortgage
H+1.3%
Refinancing
Cash rebate (Up to)
1.0%
New mortgage
1.0%
Refinancing

Hang Seng Bank provides this mortgage plan and the privileges include:

•  First 5 years monthly fee waiver for Prestige Banking Integrated Accounts

• 50% Premium discount on the first 2 policy year of Home Care Plus Home Insurance Plan (Underwritten by QBE General Insurance (Hong Kong) Limited) 

Terms and Conditions apply to above offers. Please contact mReferral staff for details. 

  • Exclusive Offer
  • Mortgage Master to contact customer within 6 hours
Offer (As low as)
H+1.35%
New mortgage
H+1.45%
Refinancing
Cash rebate (Up to)
1.1%
New mortgage
0.2%
Refinancing

SCB provides this mortgage plan and the privileges include:

• Cash rebate or combo of Asia Miles

• Earn 80,000 Asia Miles with $4,000,000 mortgage loan drawdown

Terms and Conditions apply to above offers. Please contact mReferral staff for details.

  • Hot offer
  • Free fire insurance for the first tear
Offer (As low as)
H+1.4%
New mortgage
H+1.5%
Refinancing
Cash rebate (Up to)
1.0%
New mortgage
0.2%
Refinancing

Citi provides this mortgage plan and the privileges include: 
• First-year fire insurance waiver 
• Various mortgage options that best fit your needs 


Terms and Conditions apply to above offers. Please contact mReferral staff for details.

  • Hot offer
  • Enjoy a mortgage-linked checking account
Offer (As low as)
H+1.3%
New mortgage
H+1.3%
Refinancing
Cash rebate (Up to)
1.2%
New mortgage
1.2%
Refinancing

CCB (Asia) provides this mortgage plan and the privileges include: 

• Enjoy a preferential account rate 

• Apply up to 50% of the outstanding principal amount 

Terms and Conditions apply to above offers. Please contact mReferral staff for details.

  • Hot offer
  • First in town 1-minute online approval
Offer (As low as)
H+1.4%
New mortgage
H+1.4%
Refinancing
Cash rebate (Up to)
1%
New mortgage
1%
Refinancing

DBS provides this mortgage plan and the privileges include: 

• Free property valuation 

• Enjoy special offer on fire insurance

Terms and Conditions apply to above offers. Please contact mReferral staff for details.

  • Hot offer
  • Valuation fee waier
Offer (As low as)
H+1.3%
New mortgage
H+1.3%
Refinancing
Cash rebate (Up to)
1.6%
New mortgage
1.6%
Refinancing

Fubon Bank provides this mortgage plan and the privileges include:

• Various types of properties are accepted

• Related insurnace products and privileges available

Terms and Conditions apply to above offers. Please contact mReferral staff for details.

  • Hot offer
  • Property valuation fee waived
Offer (As low as)
H+1.3%
New mortgage
H+1.3%
Refinancing
Cash rebate (Up to)
1.9%
New mortgage
1.9%
Refinancing

BEA provides this mortgage plan and the privileges include:

• 1 day preliminary approval service

• Waiver of the valuation fee

Terms and Conditions apply to above offers. Please contact mReferral staff for details.

  • Hot offer
  • First year fire insurance waiver
Offer (As low as)
P-2.75%
New mortgage
P-2.75%
Refinancing
Cash rebate (Up to)
0.0%
New mortgage
0.0%
Refinancing

Public Bank provides this mortgage plan and the privileges include:

• Valuation fees wavier

• Flexible handling with respect to different customer’s conditions

Terms and Conditions apply to above offers. Please contact mReferral staff for details.

To borrow or not to borrow? Borrow only if you can repay!


Reminder:
Please note that, in collaboration with banks, mReferral offers mortgage referral service ONLY. Other services offered by mReferral are not in collaboration with banks. Mortgages offered by the banks are not offered in collaboration with mReferral.


Customers should first authenticate the identity of those who purport to be the bank's representatives using the relevant bank's contact details for this purpose, which contact details can be found at the bank's official website or the HKMA's website; and The most prudent way for customers to continue the application process after the above authentication is to contact the bank's representative using the phone number obtained from the bank's authentication hotline.

Submit application

After clicking "Apply Now", you will be transferred to the official website of your designated bank to make the mortgage application.
Remember to fill out the bank application form to complete the application process.



The followings are your selected plans:

  • Hot offer
  • Approval rate as high as 95%

We will submit the application to relevant bank.

Offer (As low as)
H+1.35%
New mortgage
H+1.4%
Refinancing

We will submit the application to relevant bank.

  • Hot offer
  • Extra $600 BoC Pay merchant e-Coupons reward via online application
Apply Now

After clicking "Apply Now", you will be transferred to the bank's official website. Remember to fill out the bank application form to complete your application.

Offer (As low as)
H+1.4%
New mortgage
H+1.5%
Refinancing
Apply Now

After clicking "Apply Now", you will be transferred to the bank's official website. Remember to fill out the bank application form to complete your application.

  • Hot offer
  • Successfully apply to enjoy premium discount on Home Insurance Plan

We will submit the application to relevant bank.

Offer (As low as)
H+1.3%
New mortgage
H+1.3%
Refinancing

We will submit the application to relevant bank.

  • Exclusive Offer
  • Mortgage Master to contact customer within 6 hours

We will submit the application to relevant bank.

Offer (As low as)
H+1.35%
New mortgage
H+1.45%
Refinancing

We will submit the application to relevant bank.

  • Hot offer
  • Free fire insurance for the first tear

We will submit the application to relevant bank.

Offer (As low as)
H+1.4%
New mortgage
H+1.5%
Refinancing

We will submit the application to relevant bank.

  • Hot offer
  • Enjoy a mortgage-linked checking account

We will submit the application to relevant bank.

Offer (As low as)
H+1.3%
New mortgage
H+1.3%
Refinancing

We will submit the application to relevant bank.

  • Hot offer
  • First in town 1-minute online approval

We will submit the application to relevant bank.

Offer (As low as)
H+1.4%
New mortgage
H+1.4%
Refinancing

We will submit the application to relevant bank.

  • Hot offer
  • Valuation fee waier
Apply Now

After clicking "Apply Now", you will be transferred to the bank's official website. Remember to fill out the bank application form to complete your application.

Offer (As low as)
H+1.3%
New mortgage
H+1.3%
Refinancing
Apply Now

After clicking "Apply Now", you will be transferred to the bank's official website. Remember to fill out the bank application form to complete your application.

  • Hot offer
  • Property valuation fee waived
Apply Now

After clicking "Apply Now", you will be transferred to the bank's official website. Remember to fill out the bank application form to complete your application.

Offer (As low as)
H+1.3%
New mortgage
H+1.3%
Refinancing
Apply Now

After clicking "Apply Now", you will be transferred to the bank's official website. Remember to fill out the bank application form to complete your application.

  • Hot offer
  • First year fire insurance waiver

We will submit the application to relevant bank.

Offer (As low as)
P-2.75%
New mortgage
P-2.75%
Refinancing

We will submit the application to relevant bank.

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