HK licensed estate agency · HK & UK mortgage advisory
Beyond rebates —
the smartest mortgage,
seen from inside the bank.
Founded by a former mortgage manager at Hong Kong's top-3 banks — 15 years, 3,000+ cases, HK$10bn+ arranged. We disclose how we are paid and turn bank logic into your advantage across Hong Kong and the UK.
- Cases
- 3,000+
- Arranged
- HK$10bn+
- Experience
- 15+ yrs
Live rate reference
1-Month HIBOR
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Small-P (HSBC / BOC / HASE)
Prime rate
5.000%
Big-P (SCB / BEA, etc.)
Prime rate
5.250%
Best H Plan effective rate
H+1.3% / Small-P−1.75% (whichever lower)
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HIBOR auto-updates 11:20am each business day
Prime rate per bank announcements; updated manually
What we do
Self-serve tools cut 80% of your research time; a human adviser handles the 20% that decides the outcome.
HK mortgage advisory & referral
Whole-of-market bank comparison, tailored structuring, full application follow-through — with our commissions proactively disclosed.
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UK buy-to-let referral
Free UK market information and preliminary consultation for HK & overseas investors; regulated services by independent licensed UK brokers.
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HK estate agency
Buy, sell or trade up with the mortgage worked out first. Our agency role and commission are disclosed in writing.
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Mortgage assessment + estate agency
A former bank mortgage professional sets your financial ceiling first; then we act as your licensed agent for the search, negotiation and completion.
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New-home agency service
Register for first-hand developments through partner agencies, with the mortgage and payment plan worked out before you sign.
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3-minute Quick Quote
Three questions. See what you can borrow, the cash you need and the blind spots to check before signing.
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Full calculator suite, live rate board and the founder's column are currently in Chinese — switch to 中文 for the complete site.
If you are buying from overseas
Three things catch out almost every buyer arriving from outside Hong Kong — and two of them are because the guidance still circulating online is out of date.
New homes
Buying a new home from overseas
The deposit is paid before the loan is approved. Work out your financing first, then choose the unit.
Read →Eligibility
For non-permanent residents
No ownership restriction, the same 70% cap as locals — and where bank policy, not regulation, actually decides the outcome.
Read →Cost
Stamp duty after 2024
Buyer’s Stamp Duty was abolished on 28 February 2024. If you are budgeting for 15%, you are over-estimating by seven figures.
Read →Assessment
Using overseas income
Banks lend against it routinely, but no two assess it alike — the same file can pass at one and fall short at another.
Read →We also set out how we are paid in full — no fee to you, and the referral arrangement disclosed before you sign anything.
Talk to a human adviser
Case-by-case analysis, no sign-up, no bots. Same-day reply from a real adviser.