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Mortgage Calculator
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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

FAQ

  • What is the process of mortgage application?
    • Can contact Mreferral for property valuation before signing the Sale and Purchase Agreement
    • Sign the Sale and Purchase Agreement
    • Contact Mreferral directly for mortgage application
    • Submit Sale and Purchase Agreement, HKID of borrower and guarantor(if any), income proof, working proof, tax demand note, tax return and other documents
    • Banks need to review the application in two weeks or 1 month
    • Applicants can compare and find out the most suitable offer
    • The bank will contact law firm directly to prepare for the deed of assignment
    • Sign the deed of assignment and other documents required by bank before the transaction day.
    • The bank will hand over the loan to seller through law firm. The transaction is completed.
    • The bank will issue cash rebate to the applicant
    • The bank will provide a repayment schedule to the applicant 
  • What documents should a fixed-income employee bring when applying for a mortgage?
    • HKID of borrower and guarantor(if applicable)
    • Sale and Purchase Agreement
    • Proof of residential address for the last 3 months
    • Proof of work and income:

    i. Tax Demand Note of the latest financial year, or 

    ii. Latest 3-month payroll slips (Irregular-Salaried Applicant(s): latest 6-month relevant documents), or 

    iii. Employer's letter confirming job title and income details

  • What documents should a self-employed applicant bring when applying for a mortgage?
    • Business Registration Certificate
    • Certificate of Incorporation, memorandum and articles of association of the Company (Limited Company)
    • Tax Demand Note of the latest 2 financial year
    • Financial Statement of the latest financial year
    •  Applicant(s)’ latest 6 month business banking records
    • Applicant(s)’ latest 6-month personal banking records (For Mortgage Insurance program)
    • Practicing Certificate (For Professional Self-Employed Applicant(s) only)
  • What documents I need to bring if I apply for loan balance transfer?
    • HKID of borrower and guarantor(if applicable)
    • Proof of residential address for the last 3 months
    • Proof of work and income:
    1. Tax Demand Note of the latest financial year, or
    2. Latest 3-month payroll slips e (Irregular-Salaried Applicant(s): latest 6-month relevant documents), or
    3. Employer's letter confirming job title and income details
    • Latest 3-month repayment records
    • Latest repayment schedule of the existing mortgage(s)
  • How long will it take to get my mortgage approved?

    If all documents are submitted, the application can be approved in one day. 

  • I can apply for a mortgage loan directly from banks, why should I use mortgage referral service?

    There are a wide variety of different mortgage plans available in the market and it is not easy and will take much time to thoroughly understand every plan. However, you only need to call mReferral's mortgage professionals to gain access to all mortgage products offered by up to 50 banks and financial institutions. Moreover, our mortgage professionals will give you an independent detailed analysis on the features of different plans and help you select the most suitable plan.

  • What is your business hours?

    Our business hour is: 8 am to 12 pm (Monday to Saturday) and 11 am to 12 pm (Sunday and public holidays). Besides, you can also reach our AI Chatbot (Whatsapp: 9426-2288) anytime around the clock. 

  • How can I contact you?

    You can reach us by one of the following ways.

    Live Chat: https://www.mreferral.com/edm_livechat/

    Tel:(852) 319-66688

    Whatsapp:(852) 9426-2288

    WeChat:mReferral-hk

    Email:[email protected]

    Facebook: www.facebook.com/mreferral

    Address:17/F, OTB Building, 160 Gloucester Road, Wanchai, Hong Kong

  • How can you reach you after office hours?

    You can fill up the online enquiry form, our customer services manager will reply to you in the next business day.

  • Which banks and financial institutions work with mReferral?

    mReferral partners with as many as 70 banks and financial institutions in Hong Kong to provide customers with a full range of mortgage services.

  • What types of properties can apply for a mortgage from mReferral?

    We provide mortgage referral services for private buildings, HOS houses, village houses, tenement houses, parking spaces, industrial buildings, commercial buildings and shops.

  • How can I apply for the mortgage loan application from mReferral?

    You can apply for the mReferral mortgage loan referral by just filling in the online application form or call us at 3196-6688.

  • What is HIBOR Mortgage Plan and Prime based Mortgage Plan?

    “HIBOR” means Hong Kong interbank offered rate. The interest rate will change depending on the movements of HIBOR. 

     Prime based Mortgage Plan: The interest rate is relatively stable. The risk of interest rate fluctuations is lower compared with HIBOR Mortgage Plan. 

  • What is debt servicing ratio (DSR) and stress test?

    The DSR is defined as the monthly repayment obligations of the borrower as a percentage of monthly income.

    Stress test means in the situation of assuming a 300-basis point hike in interest rate, the DSR cannot exceed a certain percentage.  

  • What is penalty period?

    If the person fully or partially repay the loan within a certain period from the drawdown date, a prepayment penalty will be charged from the bank. The penalty period is often 2 to 3 years from the drawdown date. 

  • How can I calculate my cash rebate?

    Cash rebate is usually based on the calculation of loan amount and the percentage the bank can offer. If the loan amount is $5,000,000, and the cash rebate is 1%, the actual amount you can receive from cash rebate will be $50,000 ($5,000,000 x 1%). 

  • How often can I pay for my mortgage?

    Every month or every two weeks. 

  • How much can I borrow?

    You can use a affordability calculator to know how much you can afford for a mortgage loan. 

  • What are the general fees involved in property sales?

    Apart from the property price, you need to pay stamp duty, agency fee and legal fee. 

  • How long can the repayment period be?

    Mortgage repayment terms generally range from a minimum of 5 years to a maximum of 30 years.

  • What is the mReferral Cash Rebate Promotion?

    Simply apply the mortgage from mReferral and once the drawdown is completed, you are eligible to receive the relevant amount of supermarket cash coupons. 

    Loan AmountSupermarket coupon
    Below $1M$100
    Above $1M to below $4M$300
    Above $4M to below $8M$500
    Above $8M to below $12M$1,000
    Above $12M to below $15M$2,000
    Above $15M to below $20M$3,000
    Above $20M to below $30M$4,000
    Above $30M to below $40M$5,000
    Abover $40M$6,000
  • How much cash rebate can I receive?

    The amount of cash rebate is depending on the loan size, ranging from $100 to $6,000.

  • How can I get the Cash Rebate?

    Please call our customer hotline at 3196-6688 for the promotion details.

  • What is the Customer Referral Programme?

    Refer your friends and relatives to enjoy mReferral's free mortgage referral and consulting services. Once they are completed the loan drawdown, you are entitled to earn up to $2,000 supermarket coupons.  The more referrals, the more coupons you will get.

  • What are the criteria for joining the Customer Referral Programme?
    • Referrer must be a successful applicant of mReferral's mortgage referral service in the past
    • Referee must provide us the name of the referrer when applying for the mortgage
    • To enjoy the referral rebate by the referrer, bank's confirmation is required for loan drawdown of the referee
    • mReferral Mortgage Brokerage Services reserves the right to change the terms of the above offers without prior notice
  • How much rebate can we get from this customer referral scheme?

    Gift coupons awarded for each referral will be capped at $2,000. $300 coupon will be awarded for every million dollars of loan. For loan amount equals or greater than $500,000 but below $1,000,000, a $100 coupon will be awarded.  The more referrals, the more coupons you will get.

  • How to join the Customer Referral Programme?

    Please fill in the Customer Referral Programme application form and fax us at 3196-6678. You may download the application from here.

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