Quick answer: Redbrick Mortgage Advisory suits high-net-worth borrowers who need unpublished rates and intricate loan structures. PropertyGuru Finance blends real-time rate comparisons with a broker’s touch for first-timers and upgraders alike. Mortgage Master is a solid pick if you want clear, fee-savvy advice and access to rebates across 16 banks.
For the full picture, Best Loans & Financing in Singapore collects 12 guides on this subject.
Redbrick Mortgage Advisory
Redbrick Mortgage Advisory operates from Coleman Street, and they have quietly put together over SGD 30 billion in mortgages over the years. They don’t push products from just one bank—they shop across the whole market, even pulling unpublished rates that your average branch officer might not know about.
Their wheelhouse covers refinancing, home loans, commercial property financing, and something less common: they also weave in home protection and ongoing interest cost reviews so you are not just getting a loan, you are keeping it lean for the long haul.
Drop by at 1 Coleman Street, #08-11, Singapore 179803. They are open Monday to Saturday, 9:00 AM to 6:00 PM. Give them a call at +65 8898 6868 or visit Redbrick Mortgage Advisory to start a conversation.
If your property portfolio makes the bank manager sit up a little straighter, these are the people you want in your corner. They speak the language of high-value loans without making you feel like you are back in a lecture theatre.
PropertyGuru Finance
PropertyGuru Finance sits inside the Paya Lebar Quarter, born from the same platform you probably already use to window-shop listings. They combine real-time rate tracking with a brokerage service that helps you lock in a package without hopping from bank to bank yourself.
Their scope covers refinancing, home loans, commercial property loans, and even luxury property financing. Because they track rates as they move, you skip the sian part of refreshing bank websites at 2 a.m. wondering if you missed a drop.
Find them at 1 Paya Lebar Link, #12-01/04 Paya Lebar Quarter, Singapore 408533. Operating hours are Monday to Friday, 9:00 AM to 9:00 PM, and Saturday 9:00 AM to 1:00 PM—handy if you need to sort things after work. Phone: +65 8769 5300. More at PropertyGuru Finance.
This one clicks for the busy professional who already trusts the PropertyGuru brand to find a home, not just compare loans. It is like having your house-hunting app and your mortgage advisor in one kampung.
This round-up is editorial. Suggestions are welcome – tell us what you offer and where.
Mortgage Master
Mortgage Master operates out of the Halcyon Building on Jalan Pemimpin, and they have built a name on showing you the numbers plainly—no smoke, no hidden clauses. They pull loan comparisons from 16 major banks and often secure exclusive rebates and subsidies that you would miss on your own.
Their focus lands on home loans, commercial property financing, refinancing, and even broader financial management. The platform is built so you can scroll through options, see what works, and only talk to a human when you are ready.
Address: 39A Jalan Pemimpin, #02-00C Halcyon Building, Singapore 577183. They are open Monday to Friday, 10:00 AM to 6:00 PM. Ring them at +65 6974 7673 or browse Mortgage Master for a no-pressure look.
If you are buying your first flat or refinancing and the thought of bank jargon makes you want to run far away, Mortgage Master is a steady hand. They break it down like a friend explaining kopi-o vs peng over a teh tarik.
By the way, if you need a broader view of Home Loan Providers in Singapore, our guide there might be useful before you commit.
Mortgage Consultancy Pte Ltd
Mortgage Consultancy Pte Ltd is tucked into the Union Building on Tras Street. The team is made up of former bankers and finance strategists, so they know exactly how the other side thinks. Their promise is unbiased advice across multiple banks, and they back it with a satisfaction guarantee.
Bridging loans, property loans, home loans, refinancing, and even simple mortgage calculators and loan comparisons sit on their menu. The idea is you walk in with a rough plan and walk out with a shortlist that fits like a tailored shirt.
Contact them at 171 Tras Street, #04-179 Union Building, Singapore 079025. Standard business hours are Monday to Friday, 9:00 AM to 6:00 PM. Phone: +65 8556 5271. Website: Mortgage Consultancy Pte Ltd.
This is for the homeowner who wants a second opinion from someone who used to sit on the other side of the table. They treat a loan like a chess move in a bigger wealth plan, not a one-off transaction.
DollarBack Mortgage
DollarBack Mortgage works out of Synergy @ KB in the Kaki Bukit area, acting as a middle layer between you and 18 major banks. They focus squarely on home loan comparisons and refinancing, but also help with property valuation and even legal support to keep the paperwork from becoming a headache.
Because they have such a wide bank network, they often dig up competitive interest rates and exclusive packages that suit higher-value transactions. Their hours are quite generous, too: Monday to Friday, 10:00 AM to 8:00 PM, and Saturday 10:00 AM to 5:00 PM. On Sundays and public holidays, they take calls only.
Head to 25 Kaki Bukit Road 4, #03-74 Synergy @ KB, Singapore 417800, or call +65 9816 4855. More details at DollarBack Mortgage.
If you are the type who likes a bit of hand-holding through the valuation and legal bits, not just the loan itself, DollarBack wraps it up neatly. It is like having a property concierge, minus the atas price tag.
This round-up is editorial. Suggestions are welcome – tell us what you offer and where.
Standard Chartered
Standard Chartered needs little introduction, but their mortgage desk in Singapore is worth a closer look. From Marina Bay Financial Centre, they run products like MortgageOne, which lets you offset interest with your deposits, Home Suite bundles, HDB-specific loans, and even green mortgages for eco-friendly homes.
The green mortgages stand out—they tie your loan to sustainability goals, so you feel less guilty about that aircon bill while doing something decent. Repricing options and commercial property financing round out a slate that feels more thoughtful than a generic rate sheet.
Branch location: Marina Bay Financial Centre Tower 1, 8 Marina Boulevard, #27-01, Singapore 018981. Operating hours at the branch are Monday to Friday, 9:00 AM to 4:00 PM, but phone support is 24/7. Dial 1800 846 8000 or visit Standard Chartered.
If you already bank with them and value having everything under one app, their mortgage products slip easily into that rhythm. For eco-conscious buyers, the green mortgage is genuinely a rare find locally.
While you are at it, you might want to check how these specialists stack up against the Car Loan Providers in Singapore for 2025, because big purchases rarely come alone.
FinanceGuru
FinanceGuru operates from the LTC Building on Arumugam Road, partnering with premier institutions to cover not just home loans but also personal, business, and renovation loans, plus credit cards. Their edge lies in pulling rate comparisons across 16 banks and giving you custom advice that ties into your wider financial snapshot.
Because they look at more than just the mortgage—they consider your business debt or upcoming renovation costs—the advice feels less like a product push and more like a strategy session.
Find them at 12 Arumugam Road, #02-02B LTC Building B, Singapore 409958. Operating hours are Monday to Friday, 9:00 AM to 6:00 PM. Call +65 9890 9090 or explore FinanceGuru to see how they stitch everything together.
This is the go-to if your finances feel a bit everywhere and you want one person to make sense of the whole puzzle. They are analytical, but they speak in plain terms, so you never feel like you need a dictionary.
For a different angle on borrowing, our Credit Loan Companies in Singapore round-up might come in handy.
How to choose
Most mortgage loan specialists in Singapore do not charge you a fee directly—they earn a commission from the bank when your loan goes through. This means you can usually chat with two or three before deciding who you click with. Ask each one how many banks they compare, whether they have access to rates not advertised publicly, and if they offer ongoing loan health checks or just help you sign and say bye.
If your loan is straightforward—say a typical HDB flat with a clean credit record—a platform like PropertyGuru Finance or Mortgage Master can be enough. For jumbo loans, commercial property, or bridging finance, a firm like Redbrick or Mortgage Consultancy brings deeper negotiation muscle. A direct bank like Standard Chartered works well if you want to bundle your mortgage with existing accounts and environmental perks.
On price, mortgage advisory services are often free at point of use, but always confirm. Some may charge a flat fee for very complex cases or for additional services like legal coordination. When comparing, pay attention to total interest saved over the lock-in period, not just the first-year teaser rate.
| Specialist | Services | Unique Point | Best For |
|---|---|---|---|
| Redbrick Mortgage Advisory | Home loans, refinancing, commercial property loans, home protection | Access to unpublished rates, SGD 30B+ structured | High-net-worth individuals |
| PropertyGuru Finance | Home loans, refinancing, commercial and luxury property loans | Real-time rate tracking integrated with property search | First-time buyers and upgraders |
| Mortgage Master | Home loans, commercial property, refinancing, financial management | Exclusive rebates, comparisons across 16 banks | First-timers and refinancers |
| Mortgage Consultancy Pte Ltd | Bridging loans, property loans, home loans, refinancing | Former bankers, satisfaction guarantee | Complex or high-value loan seekers |
| DollarBack Mortgage | Home loan comparisons, refinancing, property valuation, legal support | Wide network across 18 banks, bundled support | Those wanting end-to-end help |
| Standard Chartered | Home loans, HDB loans, commercial property, green mortgages | Interest-offset product, eco-friendly options | Existing SC customers, green-conscious buyers |
| FinanceGuru | Home loans, personal loans, business loans, renovation loans | Multi-loan advice, 16-bank comparisons | Borrowers with multiple financial needs |
Summary
Redbrick Mortgage Advisory handles big-ticket loans with quiet authority, while PropertyGuru Finance and Mortgage Master make rate comparisons feel effortless for the rest of us. Mortgage Consultancy and DollarBack Mortgage add layers of personal strategy and support, Standard Chartered weaves in green and bundled banking, and FinanceGuru ties the whole picture together if you have loans across different buckets. Each has a clear reason to sit on your shortlist.
Details can change, so always confirm hours and services with the business before heading down.
Frequently asked questions
What is a mortgage loan specialist?
A mortgage loan specialist is a broker or advisor who compares home loan packages from multiple banks on your behalf. They typically earn a commission from the bank, not from you, and can often access rates that are not advertised directly to the public.
Do I need to pay for their services?
In most cases, no. Many mortgage specialists are compensated by the banks they work with. Still, confirm this during your first conversation—some may charge a fee for exceptionally complex cases or for add-on services like legal coordination.
How is a specialist different from walking into a bank?
A specialist compares offers across several banks at once, whereas a bank officer can only present their own products. This usually saves you time and can surface lower rates or better terms that a single bank might not volunteer.
Can a mortgage specialist help with HDB loans?
Yes, several in this guide work with HDB loans and can help you compare bank loans against the HDB concessionary loan. They can also explain whether refinancing out of an HDB loan makes sense for your situation.
Which specialist is best for refinancing?
All the listed specialists handle refinancing. Redbrick, PropertyGuru Finance and Mortgage Master are particularly strong in this area. PropertyGuru Finance offers real-time rate tracking, while Mortgage Master pulls comparisons across 16 banks and often includes rebates.
Are these services only for wealthy borrowers?
Not at all. While Redbrick and Mortgage Consultancy are known for handling high-value loans, firms like Mortgage Master and PropertyGuru Finance welcome first-time buyers and HDB upgraders. The key is finding someone who understands your loan size and long-term plan.
