FAQ

• 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 

• 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

• 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)

• 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)

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

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.

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. 

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：info@mReferral.com

Facebook: www.facebook.com/mreferral

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

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

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

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

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

“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. 

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 200-basis point hike in interest rate, the DSR cannot exceed a certain percentage.  

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. 

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%). 

Every month or every two weeks. 

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

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

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

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

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

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

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.

• 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

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.

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