Education Loan

Education Loan

An Education Loan allows you to borrow money from the bank to finance your higher education studies in both local and overseas institutions, subject to specific eligibility criteria. It enables you to focus on your studies whole-heartedly without having to worry too much about the finances. This is because Education Loans do not charge any interest during your studies. You are only liable to repay the loan after you have graduated.

Do note that you can only apply for an Education Loan after you have confirmed your admission. You will have to present your letter of acceptance that states your institution, your course, your course duration and your course fees.

Education Loan

An Education Loan allows you to borrow money from the bank to finance your higher education studies in both local and overseas institutions, subject to specific eligibility criteria. It enables you to focus on your studies whole-heartedly without having to worry too much about the finances. This is because Education Loans do not charge any interest during your studies. You are only liable to repay the loan after you have graduated.

Do note that you can only apply for an Education Loan after you have confirmed your admission. You will have to present your letter of acceptance that states your institution, your course, your course duration and your course fees.

Factors of Consideration

  • Interest Rates

    Every education loan package comes with its annual interest rate, with the rates differing across the banks. You can pick between flat rates and monthly rest rates. Flat rates are fixed whereas monthly rest rates vary, with monthly rest rates usually being slightly lower than flat rates.

  • Loan Amount

    The amount that you can borrow is dependent on your course of study, your choice of institution and your guarantor’s monthly income. Generally, an Education Loan can be used to finance up to 90% of subsidised university tuition fees and up to 75% of subsidised polytechnic tuition fees. The costs of study materials and other education-related expenses are also included. For those of you who are pursuing overseas courses, some study loans can cover your accommodation fees and daily expenses on top of your tuition fees.

  • Loan Tenure

    An Education Loan has a loan tenure of up to 10 years. You need to select an appropriate loan tenure that can enable you to pay off the repayment sum in manageable monthly instalments. A short loan tenure would mean steep monthly repayments, whereas a long one would require paying more interest. Choose a suitable loan tenure whilst taking into account your take-home pay, your financial commitments and other recurring expenses.

  • Additional Fees Involved

    Every education loan package also involves additional fees, including processing fees, admin fees, early repayment penalty fees and disbursement fees. These fees usually take on a certain percentage of the loan. It is necessary to factor these fees into the calculation of your education loan package to get a clearer idea of what you are signing up for.

    An education loan is a huge financial responsibility, so choose the most appropriate loan package that best suits your needs and circumstances. Use it wisely, and it will serve as a helpful financial tool to fund the purchase of a great personal asset - your higher education. Contact us today to discuss your available options.

The Pros and Cons

  • Interest Rates

    Every education loan package comes with its annual interest rate, with the rates differing across the banks. You can pick between flat rates and monthly rest rates. Flat rates are fixed whereas monthly rest rates vary, with monthly rest rates usually being slightly lower than flat rates.

  • Loan Amount

    The amount that you can borrow is dependent on your course of study, your choice of institution and your guarantor’s monthly income. Generally, an Education Loan can be used to finance up to 90% of subsidised university tuition fees and up to 75% of subsidised polytechnic tuition fees. The costs of study materials and other education-related expenses are also included. For those of you who are pursuing overseas courses, some study loans can cover your accommodation fees and daily expenses on top of your tuition fees.

    • Loan Tenure

      An Education Loan has a loan tenure of up to 10 years. You need to select an appropriate loan tenure that can enable you to pay off the repayment sum in manageable monthly instalments. A short loan tenure would mean steep monthly repayments, whereas a long one would require paying more interest. Choose a suitable loan tenure whilst taking into account your take-home pay, your financial commitments and other recurring expenses.

    • Additional Fees Involved

      Every education loan package also involves additional fees, including processing fees, admin fees, early repayment penalty fees and disbursement fees. These fees usually take on a certain percentage of the loan. It is necessary to factor these fees into the calculation of your education loan package to get a clearer idea of what you are signing up for.

      An education loan is a huge financial responsibility, so choose the most appropriate loan package that best suits your needs and circumstances. Use it wisely, and it will serve as a helpful financial tool to fund the purchase of a great personal asset - your higher education. Contact us today to discuss your available options.

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      Why A Loan Broker

      A Loan Broker is a financial expert who serves as a capable middleman between business owners, the bankers and potential investors. Resourceful, experienced and knowledgeable, a Loan Broker can

      • Evaluate the numerous diverse business loan packages offered by the various banks
      • Choose the best financing options that caters to your needs and wants
      • Connect your business to the right investors
      • Offer valuable and impartial financial advice
      • Gather the cumbersome paperwork
      • Handle the entire loan application process
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      孙媛媛
      2021-02-17T03:48:55+0000
      Thanks for Garry Lim always think of my best interest and find the most suitable home loan rates for me. He helped me... to handle throughout the whole loan application process and made mortgage loan so EASY.read more
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      Wu Yufengning
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      Dave Chiam
      2020-12-15T12:16:34+0000
      I approached Finance Guru for assistance to apply for my housing loan and Garry Lim responded very promptly. He was... patient and took time to understand the situation before speaking to his team of bankers. He also made sure they had all the correct information and was very prompt in his follow up until the loan was approved. Two thumbs up for his service! I will not hesitate to recommend Garry Lim to anyone who needs assistance in applying for housing loan!read more
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      Calvin Chong
      2020-12-14T07:27:41+0000
      I would highly recommend Leonard Cheah. He has been very prompt in helping out with my loan transition and constantly... updating me the status of the application. He did it in a very professional way and not force selling. He is willingly to share the pro and the con of converting my house loan from HDB to bank loan. Appreciate your effort. I strongly recommend him for housing loan relating services.read more
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      Joyce Loh
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      Brendon Soh
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      Jon Phua
      2020-11-26T11:58:34+0000
      Garry is a super patient advisor who did not mind restructuring my loan 3 times in a week!He always listen to the... many concerns I have and was able to come out with solutions for me within the day.Really grateful to him and his banker for getting my refinancing loan approved within 2 days, despite my (relatively) low income.read more
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      Winnie Ng
      2020-11-05T16:10:07+0000
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      Han Song
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      Loh Jiunn Shyan
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      Fabian has been very professional and followed through my case diligently. Thank you.
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      Fioneric Love
      2020-10-30T12:09:27+0000
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      Thoufeeq Ahamed
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      This is the first time I heard about FinanceGuru. Garry is the consultant, whom I had liaised with. He is really... knowledgeable and polite in answering all my questions. He had provided a very good option for me to select the refinancing option with a bank. I would refer my friends to him in the future in order to do refinancing their property. Thumbs up!read more
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      Suhairi Hairie Muhd
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      Eugene Heng
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      SY CH
      2020-10-15T14:25:28+0000
      We would like to thank Fabian Li for guiding us to refinance my Home Loan. He was friendly, approachable, patient and... sincere replying to our queries.We managed to sign up a Home Loan offer with another bank. Thanks to him that make the process smoothly. Thumbs Up!read more
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      Saurabh Ohri
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      Tee Qinghui
      2020-09-19T13:57:28+0000
      Was assisted by Garry on refinancing my mortgage loan.Highly recommend Garry, as he is patient & always think of our... best interest by getting us the most suitable home loan rates.He assisted us throughout the whole process. (Made refinancing mortgage loan so easy)Overall very good experience. Thanks Garry 👍🏻read more
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      Sheena Chang
      2020-09-18T01:34:11+0000
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      Jinyuan Shen
      2020-09-17T14:26:06+0000
      When I indicated my interest in refinance my home loan, Thea from FinanceGuru contacted me. Greatly appreciated her... help in guiding me to fill up the application form and answer my queries. She is very patient in explaining the technical terms. thumb upread more
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      Raay Goh Wee Kiat
      2020-09-12T15:25:03+0000
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      Boon Choon
      2020-09-12T11:01:43+0000
      1st time using finance guru for my mortgage loan. Garry was helpful and responsive throughout the entire process,... honest and transparent. Will definitely recommend Garry to my family and friends.read more
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      Tee Stacey
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      I'm very pleased to have Garry Lim from FinanceGuru help me secure my refinance loan at an attractive rate. Garry... presented the options to me clearly, sought to understand what I was looking out for, and made recommendations based on his professional views which I deeply appreciate. Through his wonderful network, he was able get in touch with the different bankers very quickly and made sure that I got the best deal in a short turnaround time. Garry was extremely accomodating, helpful and prompt in responding to my queries and requests. Most importantly I was able to complete the entire loan process quickly and effortlessly with his help. thanks a million Garry 😊read more
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      2020-08-26T12:52:02+0000
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      2020-08-20T12:12:13+0000
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      Lin Zi'Ang
      Lin Zi'Ang
      2020-07-19T15:54:15+0000
      When I first started to research for a loan specialist to help with my housing loan application, I sent out many... enquiry requests to several similar mortgage specialist company, it turned out that the lowest interest rate are the same even though some companies advertised at a lower rate and when asked they will say hey it’s outdated. Then I was contacted by Gary Lim of FinanceGuru, I mentioned to him my ‘complicated’ case, and till today I am still grateful that he made it simple for me! What I needed was a housing loan to be treated as first house loan because I have an existing private property that’s about to be sold, timing issue will be important and he was prompt and gave me critical information to solve what I asked for. Once that is solved, I went on the process of applying housing loan. It’s easy peasy lemon squeezy. In short, Gary is helpful, always think of my interest and eventually got me the most suitable housing loan saving me hours of research. The timely response and follow up made his service stand out. If the rate is the same for these similar companies, don’t you agree with me that service will be the next important factor? Let Gary help you the same way he helped me, I am sure you will say the same thing as I am.read more
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      Terence Ng
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      Sandra Chee Seow Sian
      2020-07-04T02:56:16+0000
      It was such a great experience with the service provided by Fabian, from FinanceGuru. Fabian shown his expertise,... trustworthy and quick responsive. He helped me save the hassle in finding the most suitable refinance home loan package. I truly appreciated for his timely response and most importantly, not pushy!As a satisfied client, I highly recommend Fabian and his team. Kudos to you!read more
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      Bao Sheng
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      Good research and good service. Highly recommend Jasper from the Finance Guru team who is highly experienced and... supportive. Appreciate Jasper for looking out for our needs and advising us on timing to secure the rates before it headed up.Many thanks to Jasper and team once again!Immanuelread more
      Abdul Rafi Salleh
      Abdul Rafi Salleh
      2020-07-01T01:44:57+0000
      Firstly, I would like to commend FinanceGuru, Mr Garry for being the fastest one to contact me (half a day) after I had... requested for broker services through various mortgage portals. It is literally a first come first serve basis for my selection as I was in a hurry to kick off my resale application.Mr Garry clearly explained the various mortgage rates and unbiasedly recommended me two competitive bank rates suited to my risk profile. He also justify the reasons on the pros and cons of these two rates. He guided me and answered all of my questions as a first time bank loan seeker. Needless to say, his professionalism won me over and I trusted his recommendation with strong justification as it makes financial sense.Furthermore, knowing that I was in rush to quickly get bank loan approval to meet the ethnic quota deadline at the turn of the month, Mr Garry helped me to expedite my loan application and solicitor letter with the two parties (i.e. bank and lawyer firm). I think it is advantageous to have a broker who have a good relationship with various parties so that hiccups are minimised.Thinking about it, settling the bank loan (without in-principle approval) and the first resale submission within less than 2 weeks for a DIY homebuyer is a feat and Mr Garry plays a big part in all of that. Thanks bro!read more
      Tracy Chong
      Tracy Chong
      2020-06-29T07:16:33+0000
      This a late review , wanted to wait for my refinance home loan to complete (took 3 months). I chanced upon Financeguru... on FB and honestly also few other platforms that claim to give good assistant on home loan refinance. I was contacted by Leonard Cheah from Financeguru and comparing with other brokers, he quickly understand my situation and explained to me well on all my questions.His response was also good and he followed up promptly but non-pushy and listened to my concerns and provided good recommendation then. I was able to save a lot of hassle contacting different bankers and find the most suitable home loan rates for myself.I definitely will recommend him and look forward to find him to help if there is any future requirement on home loan. Thanks Leonard!read more
      Ling Yi
      Ling Yi
      2020-06-23T17:01:59+0000
      Gary is very helpful and always responded promptly any questions we had. He came prepared with comparisons of the... various loan packages and gave us options to choose from. He handheld us throughout the loan application, making it very easy. Strongly recommend for anyone looking to save the hassle and to get the best deal, look for Gary.read more
      Zoe Lim
      Zoe Lim
      2020-06-08T09:41:04+0000
      Working with Jasper has been most delightful and pleasant. He was helpful, patient and responsive. Will definitely... choose to work with him again! The whole process of loan application was made easy because of him. Thank u Jasper!read more
      Marcus Goh
      Marcus Goh
      2020-05-29T05:11:38+0000
      Excellent service, prompt action, and got me the best rates I could ever ask for. Delighted that I made this decision... to go with FinanceGuru, many thanks to the team that made it possible. The tens of thousands of dollars that I saved was more than what I could ask for!read more
      Cai TF
      Cai TF
      2020-05-16T14:01:43+0000
      I got to know Financegurusg thru facebook. Honestly I was trying my luck.somehow met Garry on the phone and tip top... service. Very responsive and helpful getting and recommending was good from him. React to request fast. Highly recommended to people looking to refinance their loanfully satisfy with the service. At least got to refinance with better deal and get to know a friend..read more
      Phillip Chor
      Phillip Chor
      2020-05-14T04:11:16+0000
      i fb-ed FinanceGuru and was attended by Fabian. Fabian promptly contacted me and shared with my wife and I the options... available given our situation. He also simplified financial technical terms to aid our understanding. There was at no point in time that we felt the pressure to commit. Fast forward, Fabian kept on top of things and ensured it was a smooth process between various parties (bankers, legal, hdb). It has a been pleasure and a big thank you to Fabian on the good work! keep up the awesome work aptitude and I highly recommend him.read more
      Nicole Cheah
      Nicole Cheah
      2020-04-22T09:05:57+0000
      It’s been a Breeze and great experience to have FinanceGuru assisted my home loan refinancing activity. I was served by... Garry Lim highly recommended by my trusted friend. Garry was very active and efficient in following up my request and provided me useful info to make decision on bank selection to refinance with. He was prompt to keep me informed of the status update on the loan process. Despite the CB in place, this process was made almost frictionless having Garry being customer focus to assist in completing refinancing in proper. Kudos to Garry and thank you for going the extra mile! I’ll definitely recommend anyone to reach out to him if you are looking for financial service!read more
      Gui Sen
      Gui Sen
      2020-04-20T02:33:54+0000
      Provide answers to queries promptly. Able to advise on the home rates . thank you garry lim
      Johnny Lim
      Johnny Lim
      2020-04-03T05:02:51+0000
      Appreciation to Garry Lim who promptly reply to my request and help me by getting the most suitable packaging for my... refinancing.read more
      Vincent Cheng
      Vincent Cheng
      2020-04-01T11:02:38+0000
      Would like to thank Leonard Cheah for tirelessly getting us the best rates and constantly attending to our queries.... Feedback is prompt, detailed yet simplified. He always made sure we were notified firsthand of any rate changes and offered transparent quotations for our considerations. Very happy and satisfied with Finance Guru mortgage advisory.read more
      Wai Tien
      Wai Tien
      2020-03-26T07:49:19+0000
      A big thank you to Sin Ling for her professional advice and help. She is friendly and always prompt in her responses.... It was easier to work on the loan and insurance with her help. Strongly recommended!read more
      Min-shi Chong
      Min-shi Chong
      2020-03-16T04:33:04+0000
      Great work from Garry LimHe was patient in advising us the best option for my house loan. Quick in Response... tooHandheld me throughout the whole loan application process and made mortgage loan so much easier and less hassle.read more
      Cikgu Nahar Shariff
      Cikgu Nahar Shariff
      2020-03-16T02:41:17+0000
      Jasper and Thea were very helpful to my wife and I as we journeyed together when we bought our property recently. They... gave us sound advice and were prompt in their responses, even at odd hours and over the weekends. We felt at ease with these professionals from Finance Guru.read more
      Ben Chan Wai Kean
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      2020-03-12T03:19:34+0000
      Great leg work from Garry Lim! Great proposals and valuable insights on the pro/cons. Painless and fast process. Will... definitely look for you again in few years time.read more
      Lionel Chen
      Lionel Chen
      2020-03-11T06:59:18+0000
      Shout out to Winnie, very patient and helping out and explaining the alternatives, and even after my loan was approved... she still helped with questions. Very good for first timers (yes I am one) 👍read more
      Jolene Lou
      Jolene Lou
      2020-02-12T02:57:22+0000
      Thank you Thea Low for your commitment and the prompt service given to me. , service was really pleasant and hassle... free. Thank you for doing the extra mile ! Highly recommended Thea and financeguru!read more
      Koh Siew Hwee
      Koh Siew Hwee
      2020-02-06T14:57:19+0000
      Garry from FinanceGuru was very helpful and provided a detailed analysis on the different loan options. He also... responded fast to my queries when reviewing through the loan offer which I really appreciate it, as he helped to make the entire refinancing process very easy.read more
      Yang Yang
      Yang Yang
      2020-02-01T13:55:12+0000
      Thankful to Winnie Teo who has relentlessly helped me sourced for the most suitable loan packages and had my best... interests at heart to recommend what I need. She worked very hard including weekends and anytime to answer my quiries and offered to help me collate the document. As I am relocating out of the country, she also helped to quickly expedite the appts for lawyer, valuer and disbursement of the loan. Thumbs up for such wonderful service and highly recommended. 👍👍👍read more
      Prabhu Murugesan
      Prabhu Murugesan
      2020-01-09T00:44:15+0000
      Thanks Thea for your commitment and the prompt service given , service was really pleasant and hassle free.Strongly... recommend Thea and financeguru!read more
      Yusuf Bogey Terry
      Yusuf Bogey Terry
      2020-01-03T07:59:31+0000
      Thanks to Garry Lim who is very prompt and able to get the whole loan process done very timely. He is able to give the... best advise and solution on cost saving for my properties.read more
      Zhi Quan
      Zhi Quan
      2019-12-27T04:02:27+0000
      Kudos to Thea Low on assisting me on refinancing my condo unit loan smoothly and with very good loan deal package! I am... a very happy customer. :)read more
      Looi Maysiew
      Looi Maysiew
      2019-12-26T23:34:06+0000
      Thanks yuci for her prompt service and competitive rates that she gotten for us. Service was really good and the... adminstrative work required by us was almost hassle free. No gimmick marketing which mislead customers. Highly recommend yuci and financeguru!read more
      Alvin Sung
      Alvin Sung
      2019-12-23T01:34:14+0000
      Defintely. Mark had been the most helpful and always willing to go the extra mile. Very professional and responsible.... 👍read more
      Kheng Hock Lau
      Kheng Hock Lau
      2019-12-11T08:09:41+0000
      Garry was assigned to assist us on our refinancing. He is friendly and very helpful throughout the entire process. He... was also accommodating with our schedules. Thank you!read more
      Andrew Ong Gek Meng
      Andrew Ong Gek Meng
      2019-12-06T13:24:03+0000
      Garry Lim was very patient & his follow up was very good. It made our experience really good & hassle free. We are very... pleased with the service. Keep it up!read more
      Richard Nkp
      Richard Nkp
      2019-12-06T09:57:17+0000
      Garry Lim is a very professional service renderer. He has assisted and provided sound advice on my home... loan.Provided answers to my queries promptly and correctly.Understand my needs and proposed the best interest and find the most suitable home loan rates for me.He is Timely and of Fast ResponseAdvised me throughout the whole loan application process and made mortgage loan so EASY.read more
      Bernard Poh
      Bernard Poh
      2019-12-06T09:16:23+0000
      Very fast and prompt consultant Gary Lim. Documents were reviewed and submitted in a short couple of days period.... Always in contact with when only necessary, overall please try it for yourself if u need any services from FinanceGuru.😄read more
      Andrew Sim
      Andrew Sim
      2019-12-06T09:14:24+0000
      Garry is professional and got us the best deal in town at that time. ease of engagement and good listener.
      Marcus Yeo
      Marcus Yeo
      2019-12-06T09:12:25+0000
      Prompt response from the teamThanks to Thea who manage to secure me a very good deal. Highly recommended
      Boon Ping
      Boon Ping
      2019-12-06T09:03:19+0000
      Special thanks to Mark for the effort, always willing to go the extra miles to find the best deal for me. Highly... recommendedread more
      Edward Lau
      Edward Lau
      2019-12-06T08:49:00+0000
      Excellent work from the team from Financeguru! Special shoutout to Garry and Sin Ling for providing clients an unbiased... view of the interest rates packages available and in depth market knowledge. In addition, excellent understanding of various bank's application requirements leading to a seamless refinancing transition!read more
      Silas Tan
      Silas Tan
      2019-07-13T08:04:19+0000
      Extremely responsive and responsible consultants. They really know their stuff and prioritizes their customers' needs.... Highly recommend them.read more
      Lim Ming Cheng
      Lim Ming Cheng
      2019-06-12T07:05:16+0000
      good and honest service by jasper and angeline!
      Terrence Tan
      Terrence Tan
      2019-04-29T14:37:39+0000
      Prompt response and good service rendered by the consultant on our home loan application.
      Weixian Low
      Weixian Low
      2019-04-29T14:27:34+0000
      Look for mortgage guru @Jasper Eng
      Stanley Soh
      Stanley Soh
      2019-04-16T14:12:47+0000
      Professional service with sound advice, for a peace of mind!
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      FinanceGuru Pte Ltd - Mortgage | Home Loans | Refinancing | Business Loans | Personal Loans | Reno Loans
      FinanceGuru Pte Ltd - Mortgage | Home Loans | Refinancing | Business Loans | Personal Loans | Reno Loans
      5.0
      Based on 159 reviews
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      Danielle Chang
      Danielle Chang
      10:19 25 Feb 22
      Fabian and the partner bank was superb in helping me to secure my low refinance rate. Very appreciative of his timely... response and great insight in the property market. I have since recommended his service to my friends! Thanks Fabian and Financeguru team.read more
      Poh geong hean
      Poh geong hean
      07:06 02 Nov 21
      Fabien Li communicated very well through whatsapp due covid 19 restrictions. He provided answers to my queries promptly... and correctly. Think of my best interest and find the most suitable home loan rates for me. Timely and Fast Response. He handheld me throughout the whole loan application process and made mortgage loan so EASY.read more
      Ariel Hor
      Ariel Hor
      01:35 21 Oct 21
      Fabian professionalism made process a breeze. He is patience to answer all our questions and able to give us a clear... explanation. Thumbs up for the great services Fabian provided.read more
      Jason Lim
      Jason Lim
      17:09 20 Oct 21
      Fabian is knowledgeable, helpful and patient agent who had assisted us throughout the process of getting our house bank... loan successfully. Our questions & doubts are also well answered. Thank you & appreciated 😁🙏read more
      Louis Neo
      Louis Neo
      07:04 20 Oct 21
      Sin Ling from FinanceGuru made our home loan application process easy. Prior to meeting her, I was in a precarious... position where my OTP deadline was halfway through and I was still missing crucial documentation. During that time I met Sin Ling through a referral, she calmed us down patiently and stayed up to help us. In order to meet our deadlines, she went above and beyond to help us find a solution.The promptness and speed of her responses impressed me the most. Her solutions to any problems we may face are always within reach, and no matter what we face, she is there to help us. We receive prompt and accurate responses to our inquiries. Provided me with exceptional customer service throughout the entire loan process and made the mortgage loan process so easy.When researching home loan rates, she always considers our best interests. She provided us with a shortlist of rates from different banks and indicated in fine details the advantages of each plan and tenure. Once we selected a bank and plan, the paperwork was quick, efficient and straightforward.My application for a home loan with FinanceGuru was the right decision and Sin Ling is definitely the best! I highly recommend her to everyone looking for a mortgage loan or refinance.I am really grateful for Sin Ling and FinanceGuru! Thank you for all your hardwork and assistance!read more
      劍峯
      劍峯
      04:07 30 Jul 21
      Garry is very friendly and helpful. He handled me through out the whole process and made the mortgage loan so easy. He... is always available when help is needed, he is always timely and fast response. He is very patient and explain the application to me in detail and also propose/suggest the best package to my need. He always provide answer to my queries promptly and correctly. I am glad to have Garry to help me on the successful mortgage loan.Thanks Garry.read more
      John Chan
      John Chan
      06:30 14 Jul 21
      I engaged with FinanceGuru to purchase my investment property after comparing between a few of the online mortgage... brokers. I had already done my homework and knew exactly what I was after, and Sin Ling was particularly enthusiastic and helpful in getting the ball rolling immediately to secure the best floating rate mortgage and law firm. Looking back, the whole process was a breeze thanks to Sin Ling, who was there to provide timely responses via Whatsapp and her recommendations when required. I would highly recommend engaging a broker to close a property purchase as they have the expertise to manage the bankers and lawyers!read more
      Arnold Stanis
      Arnold Stanis
      05:39 14 Jul 21
      Sin Ling from FinanceGuru helped us with our home loan refinancing. My home loan was still under the lock-in period by... the bank, and due to the higher rates that it was locked in at, I asked for her help to look at the possibility of refinancing at lower rates.She was very prompt and meticulous. She calculated that while I will pay a penalty to the bank for breaking the lock-in period, the lower interest charges and rewards by recontracting with another bank will still provide substantial savings for me.She suggested a shortlist of rates from a few banks to me and advised me on the pros and cons of each plan and tenure. Once I have selected the bank and plan, the paperwork process was handled fast, smoothly, and conveniently.Going to FinanceGuru for my mortgage loan application was definitely the right decision, and Sin Ling was the best! Highly recommended for those seeking new home loans or looking to refinance.Thank you, Sing Ling and FinanceGuru!read more
      Josephine Mok
      Josephine Mok
      09:58 05 Jun 21
      I met Sin Ling through a referral by my agent.I had a list of questions, she was patient and took the time to explain... each of them. Her prompt response and support made the entire loan process smooth and fuss free, which I very much appreciated. Most of all, she always had my best interest and negotiated on my behalf for a lower interest rate.Highly recommended!read more
      Wang Josiah
      Wang Josiah
      07:59 21 May 21
      We were referred to Jasper Eng (Head Of Mortgage) from a trusted friend.Jasper's professionalism shined throughout... the entire process. Not only was he patient to understand our situation, he was able to provide precise questions and non-biased answers. It was crucial for my wife and I to make a wise and informed decision, and Jasper helped set the stage for that in a very short amount of time.His timely response assured us that he was always on top of things and giving our case a close watchful eye. Even at 3am.Shelia and I deeply appreciated Jasper's sincere efforts to make this process smooth. With his help, we are confident that we have made the best decision out of all the options available.We will definitely highly recommend Jasper to our friends in the future!Josiah and Sheliaread more
      jeff tan
      jeff tan
      13:34 28 Apr 21
      Garry is responsive and helpful. Highly recommend. He has provided us a lot of information based on his knowledge. He... provided answers to my queries promptly and correctly. Besides that, he think of my best interest and find the most suitable home loan rates for me.He also response fast and timely.Most importantly, he handheld me throughout the whole loan application process and made mortgage loan so EASY.Many thanks!read more
      Joey Ting
      Joey Ting
      07:54 24 Apr 21
      A shout-out to Jasper Eng for meeting me personally and guiding me patiently throughout the my housing loan refinancing... process. He was non-pressuring, giving very detailed options, evaluating pros and cons of each home loan rates. I was able to pinpoint the most suitable home loan rate due to prompt and reliable reply. Thumbs up to his excellent service :)read more
      Jerlin Chun
      Jerlin Chun
      13:17 21 Apr 21
      Jasper is very professional and responsive whenever i contact him. He did his homework very well and have all the... answers to my queries.I do not have to worry about not getting the best rates as Jasper will think of our best interest and find the most suitable home loan rates. Every process were guided step by step. I am glad that Jasper were recommended to me by my friend.Will definitely recommend Jasper.read more
      Ashlyn Soh
      Ashlyn Soh
      10:57 21 Apr 21
      I would like to take this opportunity to thank Jasper Eng for the most professional, knowledgeable and responsive... services that he had provided us. He cleared all our queries promptly and correctly. Always put us on the best interest and found the most suitable home loan package for us. With patience and value added services we are very thankful that we made the right decision. We will definitely get his help again for our next mortgage loan or refinance.read more
      Lee Yee Han
      Lee Yee Han
      07:55 21 Apr 21
      Jasper helped me with my home loan when I bought my place. He was the most professional and knowledgeable mortgage... broker I have gotten in contact with during that period. Was able to answer my queries and clear my doubts. Thinking in my best interest and putting forward the most suitable plans for me to choose from. Fast, responsive & professional. He made this home purchase journey easier. Will definitely engage them again when it's time for me to refinance my home loan!read more
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      To maximise your financial goals, our experts will work with you to ensure that your consultation is specifically tailored to meet your needs and wants. We go to great lengths to present you with the best deals and help you to break down the various mortgage jargons.

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      To maximise your financial goals, our experts will work with you to ensure that your consultation is specifically tailored to meet your needs and wants. We go to great lengths to present you with the best deals and help you to break down the various mortgage jargons.

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      To maximise your financial goals, our experts will work with you to ensure that your consultation is specifically tailored to meet your needs and wants. We go to great lengths to present you with the best deals and help you to break down the various mortgage jargons.

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        Singapore 179098

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