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Mortgage Planning

Overview

Owning your own property has always been a crucial part of having a stable life.  Getting the best mortgage term and paying it off as quickly as possible will be of interest from day one you step into your beautiful home. We are delighted to go through it together with you until you fully own it. We will design dynamic payment strategies for you that bring the following advantages :

Before purchase:

-We work with multiple financial institutions and lender, so you can obtain the best rate in the market while saving time for shopping around

-Tailored payment plan based on your financial status and mortgage rate

-Offer multiple guaranteed investment options so you can pay for your down payments in the most cost-efficient manner

 

-Specialize in self-employed and high net worth client

After Purchase:

-Lower actual interest rate, and be mortgage-free sooner.

-Peace of mind that you and your property are fully protected under all circumstances.

-Full control on the property ownership while having the ability to transfer whenever and whomever you want in the most tax and legal efficient manner.

To see how we do it step by step, please see Our Process​.

What is Mortgage Planning?

Mortgage planning is the process of evaluating your mortgage options in the context of your overall financial objectives. Your mortgage is most likely your largest debt, and your home is most likely your largest asset. The strategy you use today carries financial consequences that can impact your life for years to come, and you need to consider the following aspects:

 

Interest offset:

This is to lower your interest cost and be mortgage-free earlier by utilizing the surplus cash flow you have, whether that is putting it towards your mortgage payment or allocate it to an investment plan that moves your income to a lower tax bracket.

 

Risk Management:

A well-rounded protection plan lets you enjoy your property worry-free from the day you start paying your mortgage until it is paid off. It consists of a combination of 4 products: Disability, Critical Illness, Life, and Home Insurance.

 

Estate Planning:

By planning this section effectively, you will save your loved one’s a large amount of tax, legal work at the time you pass your property to them. In addition, you may also have peace of mind that your financial and legal affairs will be taken care of should anything happens to you.

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