Singapore Mortgage Advisory is a private, by-referral practice founded on a simple observation: people compare three quotes before buying a television, then take whatever their property agent hands them on a mortgage.
Seeing friends and family overpay on mortgages simply because they didn't know refinancing was an option is what led our founder to build a firm focused on education, not just transactions. We work with a deliberately limited number of clients at a time — enough to personally structure every case, not enough to become another volume brokerage.
"Singaporeans will compare across three retailers before buying home appliances. But when it comes to financing their home purchase, it usually comes down to whichever bank happens to be in the property agent's network, not the one that's actually cheapest."
Every single broker on our team is personally trained and coached by founder Ravi Kumar — so the judgment behind your case doesn't disappear the moment you're not talking to him directly.
After achieving financial independence through value investing, Ravi left the Singapore Armed Forces after more than a decade of service to pursue this work full-time. He has been consulting on mortgages since 2016, with deep experience across residential, commercial, and industrial financing.
Ravi founded a social enterprise in 2019, in partnership with raiSE Singapore, creating employment opportunities for underprivileged Singaporeans — including single mothers, ex-offenders, and the visually impaired.
Ravi also runs an MOH-accredited training center for healthcare professionals — many of the clients he advises on mortgages are learners from that practice, spanning doctors, dentists, and physiotherapists, and referrals flow both ways between the two.
A large share of our clients are healthcare professionals — doctors, dentists, and physiotherapists that our founder has personally trained, who go on to refer their colleagues for mortgage advice.
Banks compensate us for the referral, not you — so our incentive is your best rate, not our commission.
We take on a limited number of clients at a time so every case gets personal attention.
We flag repricing and refinancing opportunities after drawdown, unprompted.
No obligation, no cost to you — just a conversation about what you're eligible for.
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