The mReferral Mortgage Calculator App is a comprehensive platform designed to simplify your property and mortgage journey. It empowers you with a suite of calculators to assess your financial needs, including mortgage expenses, affordable property prices, and cash-out amounts after refinancing.

Key Features:

• Mortgage Calculator: Calculate your monthly repayments, interest expenses, and stamp duty values by inputting the mortgage amount, repayment period, and interest rate. This calculator caters to both first and second mortgage plans.
• Refinance Calculator: Determine your potential cash-out amount and the impact on your monthly repayments by comparing your existing and desired mortgage plans. It also includes an early settlement calculation function.
• Affordability Calculator: Input your desired mortgage amount and Loan-to-Value (LTV) ratio to calculate the affordable property price, income requirements, and stress test requirements.
• Mortgage Application: Apply for a mortgage directly through the app using its seamless API technology, connecting you with partnering banks for a fast and convenient process.
• Property Valuation: Obtain the latest property valuation from Bank of China (Hong Kong) by simply entering the address.
• P-Loan Application: Compare various P-loan plans with competitive interest rates and apply instantly. Loan sizes can reach up to $3 million with flexible repayment periods ranging from 3 months to 10 years, and APRs between -99% and 8%.

Important Note: mReferral acts as a referral service, connecting you with partnering banks and financial institutions. We do not provide mortgage or P-loan products directly. All offers, privileges, and handling fees are subject to the terms and conditions set by the respective banks or financial institutions. Some institutions may charge handling fees and may modify product terms and conditions without prior notice. Examples of P-loan applications and detailed T&Cs are available within the app.