Home-A-LOAN

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Home-a-Loan (pardon the pun) , I came across RedBrick Mortgage few years back, they sent periodical emails, author kept for reference, as she usually had a ready panel of mortgage specialist(s) mainly from the 3 locals banks, whom she felt comfortable with their level of expertise, service and speed of getting things done for her owners,  to commit their buying decision, and for those who had no banker reference, with consent (no strings attached as they would still need to go through the usual protocols of seeking bank approvals, etc), often generously share at most 2 banker contacts and link both parties up, and leave the final choice to their discretion based on their comfort levels and best interest rates/package.

 

Especially for those who register their firm interest for sales preview, I would often advice them to secure their IPA (in-principle bank approval), no even if they have not gotten the unit they wanted, to prep themselves, before they went ahead to place their booking or option moneys, in particular first time homeowners and investors. 



Getting back to RedBrick, writer came across their booth in one of the show flat last year, got to speak to one of their business development director and customer service person, and thought it would be ideal to share the contact existing and new clients for a new housing loan or refinance (especially for refinancing when there is need to hunt or shop for the lowest rates in town) to empower and value add , to do their own fact findings and choice from Redbrick’s panel of mortgage specialists.

 

For those who prefer to go via the traditional method, continue to go with your current bank, for those who need to restructure or reprice their housing or commercial loan, there is need to go through a different person or department, and for refinancing, budget for legal fee and administrative fees.

 

Just a note, the difference between the traditional (albeit personalised as well) and Redbrick, is when your approved housing loan business of your choice bank by your preferred salesperson, banks usually pays 0.05% bank referral fee (writer would usually declare to her clients, in line with CEA guidelines) , however, Redbrick’s mortgage specialists, provides the consultation service across the board and legwork in terms of getting all your documentations in place and assist you right through hence the fee goes to them.


For those who have your home loans fully paid up, keep the link or contact, when you need it or pass it to a friend or relative whom you think will benefit.  


Below are couple of links extracted from Redbrick’s website for easy reference

Singapore Home Financing Story

DBS Home Loan Interest Rates  

For information on how to enter into big and small home and investment space, T.O.P. and B.U.C. projects, please feel free to Whatsapp/Call Gladys Tan @ +65 9646076 New Condo Launch Singapore