Loan Experts Pte Ltd, also known as SG Mortgage Cat, is a mortgage advisory brokerage based in Singapore, located at 11 Hamilton Road. The business is known for Moshin, described as Singapore's first AI-powered loan advisor, available 24/7 via WhatsApp to answer questions about home loans, alongside a human team for direct consultations.
Loan Experts was founded out of frustration with mortgage advice that served the advisor more than the client, after the founders saw friends and family struggle with pushy brokers and hidden fees. In response, the business built technology that puts client interests first, a judgment-free space for sensitive questions, and a commitment to radical transparency, including recommending against its own commission if that's better for the client.
The team includes Gavin, a mortgage consultant guiding clients from first enquiry to approval, and Yong Hui Fang, who leads the technology behind the business through her company RPA Scale Pte Ltd. Loan Experts has been featured on Review Ranger as one of the Top 10 Mortgage Brokers in Singapore, and offers residential home loans, equity loans, commercial property loans and business capital loans.
Loan Experts Pte Ltd, operating under the name SG Mortgage Cat, is a Singapore-based mortgage advisory brokerage built around a simple idea: mortgage advice should serve the client, not the advisor's commission. The business is based at 11 Hamilton Road, Singapore.
At the centre of Loan Experts' approach is Moshin, described as Singapore's first AI-powered loan advisor. Available 24/7 through WhatsApp, Moshin is trained with the company's expert knowledge and proprietary tools, able to calculate loan eligibility and instalments, offer recommendations to improve a client's profile, and answer questions about mortgage loans at any hour. For anyone who wants a human at any point in the conversation, saying the word "SCRATCH" brings a team member into the chat.
Loan Experts was founded after its team saw friends and family struggle with pushy brokers, hidden fees, and advice that didn't feel right for their situation. In response, the business built technology that puts client interests first, created a judgment-free space for sensitive questions — including credit concerns or simply not being ready to speak to a human yet — and committed to radical transparency in how it operates and how it's compensated.
Getting started with Loan Experts follows three steps: talk to Moshin to check loan eligibility and market rates, say "SCRATCH" at any point to bring in a human advisor, and let the team handle the loan application, including help preparing documents if needed.
Loan Experts covers a broad range of financing needs. This includes residential home loans, covering both new loans and refinancing of existing home loans, as well as equity loans — a way to cash out from a property without selling it. For business owners, the company also offers commercial property loans for Operating Companies and Investment Holding Companies, and business capital loans for Operating Companies needing cash for business needs.
Gavin is the team's mortgage consultant, guiding clients through every step from first enquiry to approval with what the company describes as clarity and care. Behind the scenes, Yong Hui Fang leads the technology powering Loan Experts, with the AI tools and client-facing platforms built and maintained through her company, RPA Scale Pte Ltd — bridging fintech innovation with mortgage advisory needs.
Loan Experts has been featured on Review Ranger as one of the Top 10 Mortgage Brokers in Singapore, and has received client feedback praising the team's knowledge, promptness and practical advice when helping clients find a loan that suits their situation.
Clients can reach Loan Experts through WhatsApp for either AI or human assistance, by phone for a direct call, by email, or by booking a 30-minute consultation online. Office hours for the human team are Monday to Friday, 10am to 6pm, with Saturday and Sunday closed — though Moshin remains available around the clock for anyone wanting to start exploring their options outside those hours.