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Independent advisory · Since 2016
Private mortgage advisory

Mortgage advice for the 1% of buyers who ask the right questions.

Singapore Mortgage Advisory is a private, by-referral practice serving discerning homeowners and property investors. We don't push volume — we structure financing for people who expect precision.

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Independent advisory Consulting on mortgages since 2016 No cost to you — banks pay our fee

What are you looking to do?

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Buying
Refinancing
Equity
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Exclusive Broker Rates

Updated: 25/08/2026
New Purchase (BUC)
Floating
from1.28% p.a.
New Purchase (Completed)
Fixed
from1.35%
Floating
from1.34%
Refinancing
Fixed
from1.35%
Floating
from1.34%

Lowest available rates from our bank panel — your actual rate depends on loan amount and profile. Get your personalised quote →

DBS OCBC UOB Standard Chartered HSBC Citibank Maybank CIMB Bank DBS OCBC UOB Standard Chartered HSBC Citibank Maybank CIMB Bank
Why exclusive
"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."

We built Singapore Mortgage Advisory to close that gap — and we work with a deliberately limited number of clients at a time so every case gets structured personally.

What makes us different

Built for precision, not volume

01

Unpublished rate access

Published and unpublished bank rate tiers most buyers never see.

02

True financial profiling

Structured to your situation, not a generic best-rate calculator.

03

Ongoing relationship

We flag repricing and refinancing opportunities, unprompted.

04

$0 cost to you

Banks compensate us for the referral — never you.

Services

Financing and advisory

Comprehensive loan structuring across every major financing need. View all services →

Residential property loan

Best rates tailored to your profile.

Commercial and industrial loan

Financing structured for business needs.

Bridging loan

For sales proceeds not yet released.

Equity term loan

Unlock property value for retirement or business.

In-principle approval

Know your eligibility before you buy.

Bespoke financing

Tap into our vast network for SME and personal loans.

Every broker, personally trained

Meet the team

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. Read our full story →

RK

Ravi Kumar

Founder

Consulting on mortgages since 2016, with deep experience across residential, commercial, and industrial financing. Left the Singapore Armed Forces after more than a decade of service to pursue this work full-time.

A different kind of trust

Trusted by the professionals we train

A large share of our clients are healthcare professionals — doctors, dentists, and physiotherapists that our founder has personally trained at his MOH-accredited training center, who go on to refer their colleagues for mortgage advice.

Client outcomes

What clients say

★★★★★

"Ravi K. has been the most helpful broker and I sincerely thank him for providing me with the most professional advices & information I need for my housing loan - especially for a first-time home buyer like myself. With Ravi's assistance, I know that everything will go smoothly in his good hands!"

Chrislyn Cheo
Google Review
★★★★★

"I cannot recommend Singapore Mortgage Advisory Pte Ltd enough! If you're navigating the complex world of property or corporate loans, look no further. Their team is an absolute game-changer—solving loan eligibility issues that other advisors might not even know exist!"

Kree, A STAR MOTORS
Google Review
"

[Third testimonial coming soon]

[Client name]

More reviews on Google.

Who we work with

Access across every major bank in Singapore

DBS
OCBC
UOB
Standard Chartered
HSBC
Citibank
Maybank
CIMB Bank
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