Arranging finance across ten major banks without charging a fee to the borrower, Direct Mortgage helps buyers and property owners secure and restructure property loans across Singapore. Their work covers new purchases, refinancing, and internal bank repricing for HDB flats, executive condominiums, private condos, landed housing, and commercial or industrial properties such as offices and retail units. Because mortgage brokers are paid by the lending institutions rather than clients, their consultations and paperwork handling come without advisory charges. They also manage rate comparisons and set up reminders before lock-in periods expire to help owners avoid penalty interest. Clients who have used them appreciate the substantial interest savings negotiated on their HDB loans, the clear explanations throughout the process, and the straightforward option to reprice with an existing bank rather than undergoing a full refinance. Consultations are arranged online, with loan approvals aimed within 48 hours and an initial response promised within 24 hours. Based in Punggol, it serves local homeowners navigating both public and private residential purchases across north-eastern Singapore.