The Fairwealth team is committed to providing clients with the highest quality financial services combined with the lowest rates available in the market.
The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
Scope of services:
No matter what your needs are, by referring our clients to the right banks, our mortgage advisors here will ensure you secure the right loan with the best pricing
Core Values
Free
An appointment is free! We are paid a commission by banks, not by you! In addition, we offer bonus coupons for successful loan drawdown and member-get-member referrals.
Experienced
We have many years of mortgage experience and wisdom. Our advisors are veteran mortgage specialists from big banks or property agency professionals.
Impartial
With so many mortgages and loans featuring interest rates that are just outright bad, we’re here to level the field. Even though banks pay us referral fees, we insist to act on clients’ interest when it comes to rates shopping
Number of banks we do referral
Median Interest Rate
Median Cash Rebate
Are you a mortgage specialist at major bank or property agency professional with E-license?
If either of the answers is yes, then we’ve got a job opening waiting for you to apply!
FAQ
Q: What's a mortgage and why should I get it here?
A: A mortgage is basically a simple loan that allows you to buy a home or other property by securing the loan against the property you buy. You can read more about our taking a mortgage with us works by visiting our services page.
You can apply for a mortgage from a bank. However, before going to banks to submit application, you might want to seek advice of independent mortgage brokers such as us who could help you find the deal that will be most beneficial for your money interests as well as help you to get tough loans approved.
Read the article here advantages of using a mortgage broker: Click here
Q: How much does your service cost?
A: Our service is 100% free, without any hidden costs. In fact, the HKMA has prohibited mortgage brokers to charge clients service fees. We derive our income from banks, not you!
Q: What personal information should I give you?
A: This depends on the depth of service you want from our mortgage specialists. Borrowers with solid income who just want to know which banks have the best mortgage plans do not need to give us their in-depth personal information. They simply contact us for rates shopping and then they go to the banks to apply mortgage themselves. For those with less solid income or have experienced various hurdles in mortgage applications causing them to come to us and seek help, we do need more information about their circumstances in order to come up with a solution for them. If demanded, we can even collect information from clients and apply to the banks on their behalf leveraging our network with banks, thereby increasing speed and odds of approval. We comply with the Privacy Act of Hong Kong when it comes to safeguarding and protecting clients’ information.
Q: Will my interest rate be higher if I am referred by you to the bank?
A: Absolutely not because banks charge interest rates according to income and risk profile of clients, not by channels of referrals, and that is the HKMA guideline. Clients who are referred by us will not be charged higher interest rates by banks. In fact, very often, the interest rate is lower because we have the most updated information of mortgage pricing by each bank. When banks start to cut interest rate or roll out special limited time offer, mortgage brokers usually are the first ones to know and will inform clients accordingly.
We review and accept mortgage enquires on a 24/7 basis.
Contact us now…
Tips for Home Buyers
We understand all the ups and downs of the home buying process. That means that we will supply you with as many tips on mortgages as possible!