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Frequently Asked Questions

How do I apply for a mortgage?

After submitting the Online Enquiry, our Mortgage Sales Manager will help guide you to complete a mortgage application form and submit required documents to us. We will arrange for a valuation of the property before we prepare your mortgage terms by assessing the valuation result and your repayment ability.

If your mortgage is approved, we will proceed to:

  • Arrange to sign confirmation letter
  • Send instruction letter to corresponding solicitor firm to prepare mortgage deeds

After signing necessary contracts, the solicitor firm will notify us. We will then pass the mortgaged amount to the solicitor firm to complete the transaction. We will provide a copy of the repayment schedule to you that will include loan details such as monthly installment, interest and outstanding balance.

What documents do I need for applying for a mortgage?

  • HKID or passport of borrower and guarantor (if applicable)
  • Temporary Sales Agreement (for new purchase)
  • Latest 3 months' payroll record shown on bank passbook or statement
  • Latest tax demand note / latest tax return / employment letter

What is the highest loan amount I can borrow?

On a conventional mortgage, you can borrow up to 60% of the property's value as per the guideline from HKMA (Hong Kong Monetary Authority). You can borrow up to 90% of the property's value if you qualify for the Mortgage Insurance Program.

How do I apply for a mortgage?

After submitting the Online Enquiry, our Mortgage Specialist will help guide you to complete a mortgage application form and submit required documents to us. We will arrange for a valuation of the property before we prepare your mortgage terms by assessing the valuation result and your repayment ability.

If your mortgage is approved, we will proceed to:

  • Arrange to sign confirmation letter
  • Send instruction letter to corresponding solicitor firm to prepare mortgage deeds

After signing necessary contracts, the solicitor firm will notify us. We will then pass the mortgaged amount to the solicitor firm to complete the transaction. We will provide a copy of the repayment schedule to you that will include loan details such as monthly installment, interest and outstanding balance.

What documents do I need for applying for a mortgage?

  • HKID or passport of borrower and guarantor (if applicable)
  • Latest repayment schedule or latest 3 months' mortgage repayment record (for refinance)
  • Latest 3 months' payroll record shown on bank passbook or statement
  • Latest tax demand note / latest tax return / employment letter