Edward Chong

With an experience of more than 10 years in the automotive industry, Edward's experience equipped him with the skills for client servicing and advisory roles. He is a firm believer that effective communication is the main foundation to all relationships. The journey from the automotive industry to mortgage advising reflects his commitment in connecting with people on a personal level. Edward wants to share with his clients that we do not just focus on the interest rates. Owning a property is a special journey and he wants to ensure that the right decisions are made at every turn.

Mortgage Broker vs Bank: Which is Better?

When securing a home loan, one of the most important decisions you’ll make is whether to work with a mortgage broker or go directly to a bank. Broker vs Bank? Both options have their pros and cons, and the right choice depends on your unique financial situation, preferences, and the complexity of your mortgage needs. In this guide, we’ll explore the key differences between mortgage brokers and banks to help you make an informed decision. What is a Mortgage Broker?

Edward Chong June 18, 2025

Mortgage Valuation and Appraisal Process in Singapore

Property valuation and appraisal play a crucial role in Singapore’s mortgage process. Accurate assessments of property value not only guide buyers and sellers but also provide lenders with confidence in financing decisions. This article explores the significance of these processes, the methodologies employed, key factors considered by professionals, and how the resulting reports impact mortgage approval and loan amounts. Importance of Property Valuation and Appraisal in the Mortgage Process Property valuation and appraisal are essential for ensuring transparency and fairness

Edward Chong March 5, 2025

Lowest Mortgage Rates in Singapore: Is Cheaper Always Better?

When choosing a home loan, it’s natural to gravitate towards the lowest mortgage rates. After all, who doesn’t want to save a little extra? But is the lowest rate always the best deal? Mortgage rates in Singapore have been fluctuating over the years, rising from historical lows during the pandemic to a more competitive but uncertain landscape today. However, the decision isn’t as simple as it seems. Fixed or floating, short-term savings or long-term security? In this guide, we’ll help

Edward Chong November 13, 2024