mReferral Mortgage Calculator

The mReferral Mortgage Calculator App simplifies property and mortgage management. This user-friendly application offers a suite of calculators for various mortgage-related needs, including mortgage expense calculations, affordable property price estimations, and cash-out amounts after refinancing. Beyond calculations, the app streamlines the mortgage application process, enabling users to apply directly through partnered banks and compare available P-loan options with competitive interest rates. Property valuation services are also integrated, leveraging the expertise of Bank of China (Hong Kong).

Key features of the mReferral Mortgage Calculator App include:

1. Comprehensive Mortgage Calculator: Calculate monthly repayments, interest expenses, and stamp duty for both first and second mortgages by inputting loan amount, repayment period, and interest rate.

2. Refinance Calculator: Determine cash-out potential and changes in monthly payments by comparing existing and proposed mortgage plans. Includes early settlement calculations.

3. Affordability Calculator: Estimate affordable property prices based on loan amount and Loan-to-Value (LTV) ratio, along with income and stress test requirements.

4. Streamlined Mortgage Application: Apply for mortgages directly through integrated bank APIs for a fast and convenient experience.

5. Convenient Property Valuation: Access up-to-date property valuations from Bank of China (Hong Kong) by simply providing the address.

6. P-Loan Comparison and Application: Compare various low-interest P-loan plans and apply instantly. Loans up to $3 million are available with flexible repayment terms (3 months to 10 years) and APRs ranging from -99% to 8%.

Important Disclaimer: mReferral acts solely as a referral service; it does not offer mortgage or P-loan products directly. All mortgage and P-loan information is presented on behalf of partner banks and financial institutions. Offers, benefits, and fees are subject to the terms and conditions of these institutions. Note that some institutions may charge handling fees and may alter product terms without prior notice. Detailed examples of P-loan applications are available within the app's terms and conditions.