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The brand new mReferral App is your good property and mortgage partner, helping you to compare the low interest rate mortgage plan, introducing you with the latest mortgage information and solving your problems on home buying. This app provides you with 3 calculators calculating mortgage expenses, affordable property price and cash-out amount after refinancing. 1) Mortgage calculator Input mortgage amount, repayment period and interest rate to calculate the monthly repayment amount, interest expenses and stamp duty values. It is applicable to first mortgage and second mortgage plan. 2) Refinance calculator Input existing mortgage plan and new mortgage plan details to calculate cash-out amount and change in monthly repayment amount. It is also equipped with early settlement calculation function. 3) Affordability calculator Input mortgage amount and LTV ratio to calculate the affordable property price, income requirement and stress test requirement. 4) Mortgage application With the API technology, applicants can apply for mortgage application from banks directly. It is fast and convenient. 5) Property valuation This service is provided by Bank of China (Hong Kong), you just need to input the address and you will get the latest property valuation. 6) P-loan application You can compare selected P-loan plans with low interest rate and make your application instantly. The loan size is as high as $3 million with the flexible repayment period ranging from 3 months to 10 years, while the APR is from 2.99% to 8%. mReferral does not provide any mortgage or P-loan products. We only offer free referral services, responsible for introducing mortgage or P-loan information to clients on behalf of our partnering banks or financial institutions. The offers and privileges, listed on our mobile app, are provided by banks or financial institutions and are subjects to terms and conditions. Some financial institutions may charge clients with handling fees, and they reserves the final rights and decisions on changing the product T&C from time to time without prior notice.