Your Trusted Singapore Mortgage Broker

Start with the destination before choosing the route

Before comparing loan packages or reviewing interest rates, it’s critical to define your property goals — what are you buying, and why? Are you upgrading to a private condo, purchasing your first HDB flat, investing in a rental unit, or acquiring a landed home for your family’s future?

At Ace Mortgage, our mortgage brokers in Singapore help you clarify your objectives upfront so we can tailor the loan process around your vision. Whether you’re targeting capital gains, rental yield, long-term living security, or CPF efficiency, we guide you from the start with clear financing strategies.

Here’s how we help you translate your intentions into actionable financing strategies:

🎯 What Are Your Property Goals?

🧠 Why Goals Matter Before Loan Comparison

Too often, buyers jump into rates before knowing what type of loan suits their goal. Here’s why we start with clarity:

• Loan structures vary by property type (e.g. HDB vs Condo vs EC)

• Banks offer different perks for different buyer profiles

• Legal, CPF, and downpayment strategies shift with ownership goals

By defining your property goal upfront, our mortgage advisors tailor everything — from bank shortlists to tenure recommendations — around you, not the other way around.

👥 Talk to a Real Mortgage Consultant

We don’t push products. We ask the right questions to understand:

• What kind of property are you planning to buy?

• Are you buying for own stay, rental yield, or capital growth?

• How long do you intend to hold the property?

• Will you need flexibility to sell, refinance, or upgrade in a few years?

With this clarity, your dedicated loan broker at Ace Mortgage builds a financing strategy that grows with you.

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Know Your Numbers. Borrow with Confidence

Your financial profile isn’t just about income — it’s the foundation that determines your loan eligibility, borrowing power, and repayment strategy. At Ace Mortgage, our experienced mortgage consultants help you understand what banks see when they assess your application — and how to present yourself as an ideal borrower.

Banks evaluate multiple criteria to determine your risk level and lending capacity. Here’s what matters:

🧾 What Makes Up Your Financial Profile?

🔍 How Our Mortgage Advisors Use This Info

Our mortgage brokers in Singapore don’t just collect your numbers — we help you interpret them. Based on your financial profile, we:

• Identify the banks most likely to approve your application

• Recommend the best loan tenure and repayment structure

• Optimise your TDSR/MSR ratios to increase your loan eligibility

• Help self-employed clients present stronger financial documentation

• Advise on CPF usage for maximum cash flow efficiency

💡 Real-World Example:

Case Study – Dual-Income Couple Buying a New Launch Condo

• Combined income: $12,000/month

• Existing car loan: $700/month

• CPF savings: $160,000

• Age: 35 & 33

✅ We helped them structure a 75% loan over 30 years
✅ They used CPF for the downpayment and monthly servicing
✅ We found a floating rate package with no lock-in and legal fee subsidy
✅ IPA secured in 48 hours with no paperwork errors

This kind of outcome is only possible when a skilled loan broker understands how to position your financial profile to banks.

🔧 Tools We Offer:

• Free Financial Health Check

• TDSR & MSR Calculator

• CPF Usage Planner

• Master Mortgage strategy consultation

Understanding your finances is the first step toward securing a loan that works for you — not just the banks. Let our mortgage advisory team help you borrow smarter, with total confidence.

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Too Many Loan Packages? Let Us Simplify It.

With over a dozen banks in Singapore and hundreds of home loan variations, comparing mortgage packages on your own can be time-consuming, confusing, and risky. That’s where our mortgage brokers step in — to cut through the clutter and bring you real, side-by-side comparisons that actually matter.

At Ace Mortgage, we do more than quote interest rates. We analyze, explain, and recommend loan packages that align with your specific financial profile and property goals.

Not all loans are created equal — even if the rates look similar. Our mortgage advisors evaluate:

Why Mortgage Loan Comparison Is Crucial

📋 Our Loan Comparison Process (Powered by Real Mortgage Experts)

Here’s how our mortgage consultants in Singapore make comparing loans easier than ever:

1. We gather your financial details
   Income, loan amount, property type, credit history

2. We shortlist relevant lenders
   Based on approval likelihood, goals, and risk profile

3. We compare apples to apples
   Interest rates, legal subsidies, fees, T&Cs — all clearly explained

4. We walk you through the top 3 options
   You’ll know the pros and cons of each — no fine print surprises

5. We recommend the best fit
   Whether you want flexibility, low interest, or max CPF usage — we’ll help you find a mortgage broker package that checks all your boxes

💬 What Clients Say:

“I tried calling banks myself — each one gave me different info. Ace Mortgage cut through the confusion and gave me 3 clear options with honest advice. I saved money and time!”
— Grace L., HDB Upgrader

🎯 Why Use a Mortgage Broker Instead of Going Direct?

• Unbiased comparison across banks

• No pressure sales — we don’t work for the lenders

• Exclusive access to broker mortgage rates

• 100% free service

• Fast updates on shifting SORA-based packages

At Ace Mortgage, our loan brokers help you make smarter, faster, and fully-informed decisions — no guesswork, no gimmicks.

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Get Your Paperwork Right the First Time

One of the biggest reasons for mortgage delays or rejections in Singapore? Incomplete or mismatched documentation. At Ace Mortgage, our mortgage brokers make sure you get it right from day one — saving you time, reducing stress, and improving your chances of fast approval.

Whether you’re salaried, self-employed, or buying with a co-applicant, we help you prepare a clean, compliant application that banks can confidently approve.

Here’s a quick overview of the common documents required by Singapore mortgage brokers and banks:

✅ Essential Mortgage Documents Checklist

🛠️ How We Help You Prepare Like a Pro

Our mortgage advisors don’t just give you a checklist — we walk you through everything, including:

• Reviewing for missing pages, outdated statements, or income inconsistencies

• Helping self-employed applicants strengthen their case with bank-friendly formats

• Consolidating everything into a submission-ready folder for faster processing

• Cross-checking documents against lender-specific requirements (yes, they vary!)

• Flagging any potential red flags early — before they slow you down

📎 Real-World Scenario: Self-Employed Buyer

Kelvin, a freelance designer, was told by two banks that his income was “unverifiable.” Our mortgage consultant helped him restructure his documents using his Notice of Assessment and bank statements, resulting in a successful $720,000 loan approval with a 2.8% fixed rate.

📬 Need Help Gathering Your Docs?

Let our experienced loan brokers guide you through the paperwork. We’ll even liaise directly with your property agent or lawyer if needed — all at no extra charge.

Because at Ace Mortgage, your application is more than paperwork — it’s the foundation of your home ownership journey.

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Get Bank-Backed Confidence Before You Commit

A Loan In-Principle Approval (IPA) is your green light from the bank — a formal indication of how much you can borrow before signing the Option to Purchase (OTP). At Ace Mortgage, our mortgage advisors help you secure your IPA quickly and accurately, giving you the confidence to house-hunt without overextending your budget.

Whether you’re buying an HDB flat, private condo, or investment property, getting an IPA is a crucial early step.

💡 What is an IPA and Why It Matters?

🔄 How We Help You Secure an IPA (Fast)

Our mortgage consultants in Singapore streamline the entire IPA process from start to finish:

1. Review Your Financial Profile
   We assess your income, debts, CPF, and loan eligibility across multiple banks.

2. Recommend the Right Bank
   Based on approval likelihood, interest rates, and your goals.

3. Prepare and Submit Documents
   Our loan brokers ensure your paperwork is complete and aligned with lender requirements.

4. Track and Follow Up
   We liaise directly with the bank to keep things moving and update you on status — usually within 24–72 hours.

5. Secure Formal IPA Letter
   Once approved, you’ll receive a letter stating your maximum approved loan amount and conditions — ready for action.

🚨 Common Mistakes We Help You Avoid:

• Submitting inconsistent income documents

• Applying to the wrong bank based on your profile

• Overstating your loan amount without factoring TDSR

• Relying on verbal approvals from banks (get it in writing!)

💬 Real Client Outcome:

“We almost paid the OTP without an IPA. Ace Mortgage got ours approved in 2 days and helped us adjust our budget — it saved us from a major misstep.”
— Darren & Janice, First-Time Condo Buyers

With Ace Mortgage’s expert mortgage advisory, you won’t just get an IPA — you’ll get it done right, fast, and with zero stress.

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Lock in Your Loan With Confidence — Not Confusion

The Letter of Offer (LO) is the official document from the bank confirming your approved home loan package, including the interest rate, tenure, fees, and conditions. It’s legally binding — and often filled with fine print that’s easy to overlook.

At Ace Mortgage, our mortgage advisors don’t just pass you the letter — we help you review, explain, and sign with clarity and confidence.

📄 What’s Inside the Letter of Offer?

🧠 How Ace Mortgage Adds Value

Our mortgage brokers in Singapore help you decode every line so you’re never blindsided by:

• Unexpected penalties hidden in fine print

• Interest rate reset conditions that escalate costs

• Misaligned lock-in periods that limit refinancing flexibility

• Legal fee clawbacks if you refinance too early

• Restrictive clauses that don’t match your goals

🛡️ Protecting Your Long-Term Interests

Before you sign, our loan brokers cross-check your Letter of Offer against:

• Your original loan goals

• Current market packages from competing banks

• CPF usage and legal timelines

• Resale/refinance plans within lock-in period

• Your risk appetite (e.g., floating rate exposure)

We also coordinate directly with your lawyer and agent if needed — ensuring timelines are met and documents flow smoothly to the next stage.

💬 Real Client Outcome:

“Ace Mortgage caught a clause in our offer that could’ve cost us thousands if we refinanced early. They got it waived and saved us the trouble — so grateful!”
— Sean T., Private Property Buyer

With Ace Mortgage, your mortgage consultant doesn’t just chase approval — they protect your decision at every stage, especially the one that locks you in.

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Smooth Legal Work, Backed by Expert Guidance

Once your loan is approved and the Letter of Offer is signed, the legal process kicks in — and it’s one of the most important stages in your property journey. From appointing a lawyer to completing the mortgage registration, our mortgage brokers ensure nothing gets missed.

At Ace Mortgage, we coordinate closely with law firms and banks to streamline the legal steps so you don’t face unnecessary delays or hidden costs.

📝 Key Steps in the Legal Process

🤝 How Ace Mortgage Supports You

Our mortgage consultants don’t disappear once your loan is approved. We continue to:

• Connect you with panel law firms offering competitive legal fees

• Ensure you’re aware of subsidies, fee waivers, or clawbacks

• Track disbursement timelines to avoid delays in OTP or completion

• Help non-residents and foreigners navigate cross-border legal documentation

• Flag red flags in contract clauses with your lawyer (e.g. early sale penalties, joint ownership issues)

🔐 Legal Fee Subsidies — Don’t Leave Money on the Table

Many banks offer legal subsidies (up to $2,500) if you stick with them during the lock-in period. Our finance brokers help you:

• Understand eligibility

• Avoid clawbacks if refinancing early

• Choose a lawyer who works seamlessly with your bank and CPF Board

💬 Client Experience:

“We didn’t know we had to use a bank-approved lawyer — Ace connected us with a great one and ensured we claimed our legal subsidy without hassle.”
— Melissa & Ron, HDB Resale Buyers

Working with a mortgage broker in Singapore who understands the legal landscape ensures your property purchase isn’t just approved — it’s protected, properly executed, and legally secure.

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The Final Step — Getting Your Funds Released Smoothly

Once all legal checks are completed, it’s time for the loan disbursement — the moment your bank officially releases the funds to the seller, developer, or relevant party. It may seem like a formality, but timing and coordination are crucial to avoid delays, penalties, or even forfeiture of your Option to Purchase (OTP).

At Ace Mortgage, our mortgage advisors stay with you through this final step — coordinating between your lawyer, bank, and CPF Board to ensure your financing is executed on time and without stress.

🏁 What Happens During Loan Disbursement?

🤝 How Ace Mortgage Ensures a Smooth Disbursement

Our mortgage consultants and loan brokers actively:

• Track disbursement timelines and coordinate with all parties

• Confirm CPF usage is correctly calculated and submitted

• Prevent late disbursements that could lead to seller penalties

• Advise on final payments and outstanding legal or stamp duties

• Assist expats or first-time buyers unfamiliar with local procedures

🧠 Common Issues We Help Prevent:

• Missed legal deadlines due to slow fund release

• CPF usage errors causing shortfalls

• Incorrect stamp duty calculations

• Communication breakdowns between lawyer, bank, and agent

• Last-minute surprises during key handover

🔑 Final Milestone, Lifelong Support

Even after disbursement, our mortgage advisory team is here if you:

• Need help with loan servicing questions

• Want to explore refinancing in the future

• Plan to restructure your mortgage for better rates or cash flow

“From the first call to the key handover, Ace Mortgage handled everything. They even chased the bank on disbursement day so we didn’t miss our completion deadline.”
— Farhan & Elaine, Executive Condo Buyers

With Ace Mortgage, your journey doesn’t end at approval — it ends with successful, stress-free ownership. That’s the advantage of working with a top mortgage broker in Singapore.

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