LoanSupermart Mortgage Consultancy is a home loan broker on the third floor of The MacDonald House, at 40A Orchard Road in Museum. It has been incorporated since 2006 and says it has helped more than 10,000 clients. It works with all the major banks, so it can compare offers from several lenders on one application. Its services cover new property purchases, refinancing, overseas property loans, cash-out and equity term loans, and commercial property loans for individuals and for companies. Its website sets out the basics of HDB and bank loans. An HDB loan carries a rate 0.1% above the CPF Ordinary Account rate, and HDB lends up to 90% of the property value, against 75% from banks. Bank loans for private property can run up to 35 years, and HDB loans up to 30. The website explains that bank rates may be fixed for an initial period and then float with SORA. It stresses that once an HDB loan is refinanced to a bank package, it cannot go back to HDB. The advice is free, with no obligation. Among the 25 other mortgage brokers and lenders within a kilometre, Unilink Credit is 0.4 km away with 5.0 from 15 reviews, VM Credit is 0.6 km away with 4.7 from 50, and 1 Credit Hub is 0.7 km away with 4.9 from 836.