The brand new mReferral App is your good property and mortgage partner, helping you to compare the low interest rate mortgage plan, introducing you with the latest mortgage information and solving your problems on home buying.

This app provides you with 3 calculators calculating mortgage expenses, affordable property price and cash-out amount after refinancing.

1) Mortgage calculator
Input mortgage amount, repayment period and interest rate to calculate the monthly repayment amount, interest expenses and stamp duty values. It is applicable to first mortgage and second mortgage plan.

2) Refinance calculator
Input existing mortgage plan and new mortgage plan details to calculate cash-out amount and change in monthly repayment amount. It is also equipped with early settlement calculation function.

3) Affordability calculator
Input mortgage amount and LTV ratio to calculate the affordable property price, income requirement and stress test requirement.

4) Mortgage application
With the API technology, applicants can apply for mortgage application from banks directly. It is fast and convenient.

5) Property valuation
This service is provided by Bank of China (Hong Kong), you just need to input the address and you will get the latest property valuation.