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Basic Mortgage
Mortgage Calculator
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Valuation
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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.
Property valuation
HTTP/1.1 200 OK Date: Fri, 24 Jun 2022 12:40:13 GMT Content-Type: text/html; charset="UTF-8" Transfer-Encoding: chunked Connection: keep-alive X-Frame-Options: SAMEORIGIN, ALLOW-FROM http://18.162.212.46, ALLOW-FROM https://18.162.212.46, ALLOW-FROM http://18.162.108.25, ALLOW-FROM https://18.162.108.25, ALLOW-FROM https://ultd.mreferral.com, ALLOW-FROM http://ultd.mreferral.com, ALLOW-FROM https://www.mreferral.com, ALLOW-FROM http://www.mreferral.com, ALLOW-FROM https://www1.mreferral.com, ALLOW-FROM http://www1.mreferral.com, ALLOW-FROM https://prepro.mreferral.com, ALLOW-FROM http://prepro.mreferral.com Content-Security-Policy: frame-ancestors https://prepro.mreferral.com http://prepro.mreferral.com http://18.162.108.25 https://18.162.108.25 https://www.mreferral.com https://www1.mreferral.com http://www.mreferral.com http://18.162.212.46 https://18.162.212.46 https://ultd.mreferral.com http://ultd.mreferral.com; Vary: Accept-Encoding,Cookie,User-Agent Set-Cookie: qtrans_front_language=en; expires=Sat, 24-Jun-2023 12:40:11 GMT; path=/ Link: ; rel="https://api.w.org/" Link: ; rel=shortlink X-XSS-Protection: 1; mode=block X-Content-Type-Options: nosniff CF-Cache-Status: DYNAMIC Expect-CT: max-age=604800, report-uri="https://report-uri.cloudflare.com/cdn-cgi/beacon/expect-ct" Report-To: {"endpoints":[{"url":"https:\/\/a.nel.cloudflare.com\/report\/v3?s=XmI32hq0MaTtm%2BZKleGIjrscpK0rY9nn3P1zUO%2FYsY9QTckGjfFo2qzEUOB8HtB%2BtyEgEzFzZe5HbXsj1jN7xSQxx61Ih8VmfIpxsSiWkKW7L37Rv1UeezzQbRyPP4lkNpq8eA%3D%3D"}],"group":"cf-nel","max_age":604800} NEL: {"success_fraction":0,"report_to":"cf-nel","max_age":604800} Strict-Transport-Security: max-age=15552000; includeSubDomains; preload Server: cloudflare CF-RAY: 720587cf491fb428-HKG 繁简 繁简 SearchMortgage New property Private estate HOS Village house Industrial & commercial Carpark Mainland China Mortgage Real time bank APIBanking Accounts Banking Accounts Comparison Credit Card P Loan All Personal Loan Lending Companies Loans Tax Season Loan Balance Transfer Revolving LoanTools Mortgage Calculator Refinance calculator Pressure Calculator Tenor Mobile appApply & Enquiry Apply now Personal Loan Property valuation Check your offer Download formRewards $6000 coupon Referral programme Souvenir Customer sharingInfo News Media Interview Mortgage Tips New mortgage infoAbout us About us FAQ Join Us Contact usTestimonial %Today's rate :  2  .  1 7 5 Apply now 繁简MortgageBanking AccountsCredit CardP LoanToolsApply & EnquiryRewardsInfoAbout usTestimonial Plan comparison Search New property Private estate HOS Village house Industrial & commercial Carpark Mainland China Mortgage Real time bank API Banking Accounts Comparison All Personal Loan Lending Companies Loans Tax Season Loan Balance Transfer Revolving Loan Mortgage Calculator Refinance calculator Pressure Calculator Tenor Mobile app Apply now Personal Loan Property valuation Check your offer Download form $6000 coupon Referral programme Souvenir Customer sharing News Media Interview Mortgage Tips New mortgage info About us FAQ Join Us Contact us 1. Input information2. Preview3. Successfully submittedInput information1Preview2Successfully submitted31Input informationNo. of applicant: 12 Applicant(1)Name* MrMs.MrsMissCompany ID card no.* HK ID card no.Other ID card no. Date of birth Contact Person* MrMs.MrsMiss Email* Personal monthly incomeHK$ Mobile number* Office number Applicant(2)Name* MrMs.MrsMissCompany ID card no.* HK ID card no.Other ID card no. Date of birth Email* Personal monthly incomeHK$ Mobile number* Office number Property addressPlease fill in below information in English or numberFlat Floor Block Name of propertyStreet and district*Loan informationLoan purpose ? New mortgage Refinancing Cash-Out Refinancing Pre-approval Personal Loan Purchased priceHK$ Date of transaction Existing mortgage bank Others Information mReferral staff name Answer below questions before submissionHow did you know mReferral Service? Friends Old client Agent Referrer Online Advertising Social Media Newspaper Magazine TV Radio I/We acknowledge and agree to the following Terms and ConditionsTerms and Conditions1.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. I/We object to mReferral transferring my/our personal data to lender(s) for such lender(s) to contact me/us directly on loan service3.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: transferring my/our personal data to third parties for use in direct marketing. using my/our personal data for direct marketing of mortgage and loan referral services provided by mReferral. transferring my/our personal data to Midland Club.Signature* Clear*Mandatory fieldSlide to rightNext 2PreviewApplicant's information(1)Name : ID card no. :Contact Person : Date of birth :Email :Personal monthly income :Mobile number :Office number :Applicant's information(2)Name : ID card no. :Date of birth :Email :Personal monthly income :Mobile number :Office number :Property informationProperty address : (Flat) (Floor) (Block) Loan purpose :Purchased price :Date of transaction :Existing mortgage bank :Name of mReferral staff : Modify I have read, understood and agreed with the below   Terms and ConditionsTerms and Conditions1.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. I/We object to mReferral transferring my/our personal data to lender(s) for such lender(s) to contact me/us directly on loan service3.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: transferring my/our personal data to third parties for use in direct marketing. using my/our personal data for direct marketing of mortgage and loan referral services provided by mReferral. transferring my/our personal data to Midland Club.Signature* Modify Others InformationReferrerIf yes, please fill the following columnmReferral staff name How did you know mReferral Service? Friends Old client Agent Referrer Online Advertising Social Media Newspaper Magazine TV Radio Modify Please enter the code 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.Slide to rightAgree & SubmitSubmitting3Successfully submittedWe have already received your online mortgage referral application form!Thank for your choosing our services! Download formXTerms and Conditions I/We agree with the above terms and conditionsConfirm 4Apply now – Choose the bank offerSelect the following mortgage plans and apply instantly through the online application system, you will enjoy the privilege offers.BankPlan(As low as)Cash Rebate(As high as)Plan FeatureApply nowHot mortgage plan recommended by mReferralApply now Plan(As low as)Cash Rebate(As high as)New mortgage: H+1.35%Refinancing: H+1.4%New mortgage: 1.1% Refinancing: 1.0%Hot offerApproval rate as high as 95%mReferral offers various kinds of mortage plan with attractive rate! • Extra mReferral supermarket coupon up to $6,000 • Free conceiage services Terms and Conditions apply to above offers. Pleae contact mReferral staff for details.Hot offerApproval rate as high as 95% Apply now Plan(As low as)Cash Rebate(As high as)New mortgage: H+1.3% Refinancing: H+1.3%New mortgage: 1.0% Refinancing: 1.0%Hot offerSuccessfully apply to enjoy premium discount on Home Insurance PlanHang 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.Hot offerSuccessfully apply to enjoy premium discount on Home Insurance Plan Apply now Plan(As low as)Cash Rebate(As high as)New mortgage: H+1.4% Refinancing: H+1.5%New mortgage: 1.0% Refinancing: 0.2%Hot offerExtra $600 e-Coupons reward via online applicationBOCHK provides this mprtgage 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 30 Jun 2022 Terms and Conditions apply to above offers. Please contact mReferral staff for details.Hot offerExtra $600 e-Coupons reward via online application Apply now Plan(As low as)Cash Rebate(As high as)New mortgage: H+1.35% Refinancing: H+1.45%New mortgage: 1.1% Refinancing: 0.2%Exclusive OfferMortgage Master to contact customer within 6 hoursSCB provides this mprtgage 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. Pleae contact mReferral staff for details.Exclusive OfferMortgage Master to contact customer within 6 hours Apply now Plan(As low as)Cash Rebate(As high as)New mortgage: H+1.4% Refinancing: H+1.5%New mortgage: 1.0% Refinancing: 0.2%Hot offerFree fire insurance for the first tearCiti provides this mprtgage plan and the privileges include: • First year fire isurance waiver • Various mortgage options that best fit your needs Terms and Conditions apply to above offers. Pleae contact mReferral staff for details.Hot offerFree fire insurance for the first tear Apply now Plan(As low as)Cash Rebate(As high as)New mortgage: H+1.3% Refinancing: H+1.3%New mortgage: 1.2% Refinancing: 1.2%Hot offerEnjoy a mortgage-linked checking accountCCB (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 offerEnjoy a mortgage-linked checking account Apply now Plan(As low as)Cash Rebate(As high as)New mortgage: H+1.4% Refinancing: H+1.4%New mortgage: 1.0% Refinancing: 1.0%Hot offerFirst in town 1-minute online approvalDBS provides this mprtgage plan and the privileges include: • Free property valuation • Enjoy special offer on fire insurance Terms and Conditions apply to above offers. Pleae contact mReferral staff for details.Hot offerFirst in town 1-minute online approval Apply now Plan(As low as)Cash Rebate(As high as)New mortgage: H+1.3% Refinancing: H+1.3%New mortgage: 1.2% Refinancing: 0.9%Hot offerProperty valuation fee waivedBEA provides this mprtgage plan and the privileges include: • 1 day preliminary approval service • Waiver of the valuation fee Terms and Conditions apply to above offers. Pleae contact mReferral staff for details.Hot offerProperty valuation fee waived Apply now Plan(As low as)Cash Rebate(As high as)New mortgage: H+1.3% Refinancing: H+1.3%New mortgage: 1.55% Refinancing: 1.55%Hot offerValuation fee waierFubon Bank provides this mprtgage plan and the privileges include: • Various types of properties are accepted • Related insurnace products and privileges available Terms and Conditions apply to above offers. Pleae contact mReferral staff for details.Hot offerValuation fee waier Apply now Plan(As low as)Cash Rebate(As high as)New mortgage:P-2.75% Refinancing:P-2.75%New mortgage: 0.0% Refinancing: 0.0%Hot offerFirst year fire insurance waiverPublic Bank provides this mprtgage plan and the privileges include: • Valuation fees avier • Flexible handling with respect to different customer’s conditions Terms and Conditions apply to above offers. Pleae contact mReferral staff for details.Hot offerFirst year fire insurance waiver NextSubmittingTo 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.Terms and Conditions I/We agree with the above terms and conditionsConfirm5Submit After pressing the "Apply Now" button below, you will be forwarded to the official website of your designated bank to directly make the mortgage application. Please be reminded that you have to fill in the bank application form in order to complete the application procedure. The followings are your selected plans:Approval rate as high as 95%Plan (As low as)New mortgage: H+1.35% Refinancing: H+1.4% mReferral will refer your case to relevant institutionWe will submit the application to relevant bank.Successfully apply to enjoy premium discount on Home Insurance PlanPlan (As low as)New mortgage: H+1.3% Refinancing: H+1.3% mReferral will refer your case to relevant institutionWe will submit the application to relevant bank.Extra $600 e-CouponsPlan (As low as)New mortgage: H+1.4% Refinancing: H+1.5% While clicking “Apply now”, your submission will be forwarded to the official website of the bank. Apply nowSubmitting... Contact customer within 6 6hrsPlan (As low as)New mortgage: H+1.35% Refinancing: H+1.45% mReferral will refer your case to relevant institutionWe will submit the application to relevant bank.Free fire insurance for the first tearPlan (As low as)New mortgage: H+1.4% Refinancing: H+1.5% mReferral will refer your case to relevant institutionWe will submit the application to relevant bank.Enjoy a mortgage-linked checking accountPlan (As low as)New mortgage: H+1.3% Refinancing: H+1.3% mReferral will refer your case to relevant institutionWe will submit the application to relevant bank.1-minute online approvalPlan (As low as)New mortgage: H+1.4% Refinancing: H+1.4% mReferral will refer your case to relevant institutionWe will submit the application to relevant bank.Property valuation fee waivedPlan (As low as)New mortgage: H+1.3% Refinancing: H+1.3% While clicking “Apply now”, your submission will be forwarded to the official website of the bank. Apply nowSubmitting... While clicking “Apply now”, your submission will be forwarded to the official website of the bank.Valuation fee waierPlan (As low as)New mortgage: H+1.3% Refinancing: H+1.3% While clicking “Apply now”, your submission will be forwarded to the official website of the bank. Apply nowSubmitting... While clicking “Apply now”, your submission will be forwarded to the official website of the bank.First year fire insurance waiverPlan (As low as)New mortgage: P-2.75% Refinancing: P-2.75% mReferral will refer your case to relevant institutionWe will submit the application to relevant bank.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. Calculator Valuation Apply Now 319-66688 9426-2288 mReferral-hkCopyright© mReferral Corporation (HK) Limited (Incorporated in the British Virgin Islands with limited liability). All rights reserved. Privarcy policy Terms and conditions Calculator More Property price HK$Loan-to-value ratio (LTV) %Mortgage period YrsInterest rate %ResultsLoan size HK$0Mortgage period mth0Down payment HK$0Monthly repayment HK$0 Calculator Valuation Apply Now 319-66688 9426-2288 mReferral-hk mReferral-Mortgage Calculator Refinance calculator Loan Calculator Pressure Calculator Tenor Evaluate Now Mobile app Apply Now 17/F, OTB Building, 160 Gloucester Road, Wanchai, Hong KongNIL Hi, I am mReferral digital assistant, can I help youClick to procced
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