mortgageplus is a mortgage brokerage at One Sims Lane, #07-01, Singapore 387355 in the Geylang area, created to help borrowers navigate property financing with greater clarity and transparency. A member of the PhillipCapital Group and empanelled with all of Singapore's major banks — including DBS, OCBC, UOB, Citibank, HSBC, Maybank, Standard Chartered, RHB, CIMB, Bank of China, SBI, Singapura Finance, SingFinance and HLF — the team compares home loan packages across lenders and recommends options aligned with each client's financial goals.
Launched in 2025 in response to growing demand for clearer mortgage comparisons, mortgageplus made an early mark: in its first six months it supported hundreds of clients and facilitated a loan book of several hundred million dollars. Its coverage spans private, HDB and commercial property, for both new purchases and refinancing.
The advisory is backed by practical, free tools — a live rate comparison across partner banks, a mortgage repayment calculator, a TDSR calculator, a smart home valuation service and a WhatsApp AI assistant that shortlists packages and answers questions. Consultation and matching are free for borrowers, and the team stresses independence: no bank is favoured, and approvals ultimately rest with the lenders.
Behind the service is a leadership team with deep banking and real estate credentials: director Nicholas Foo, Chief Strategy Officer Trev Tan, Head of Mortgage Ben Goh (20+ years in banking) and Assistant Manager Glenda Heng, a licensed financial professional with a decade in mortgage consultancy who stays with clients well beyond their first loan.
Set in an office at One Sims Lane, #07-01, in Singapore's Geylang district, mortgageplus is a mortgage brokerage with a straightforward purpose: helping borrowers navigate property financing with greater clarity and transparency. Launched in 2025 as part of the PhillipCapital Group, the platform was built in response to growing demand for clearer mortgage comparisons and honest guidance in a market where the real difference between loan packages is often buried in fine print.
The idea found its audience quickly. In its first six months, mortgageplus supported hundreds of clients and facilitated a loan book of several hundred million dollars — evidence, the team says, of how many borrowers were looking for a more transparent way to choose a home loan.
The most practical thing about mortgageplus is that borrowers don't have to make the rounds of bank branches themselves. The firm is empanelled with all of Singapore's major banks — DBS, OCBC, UOB, Citibank, HSBC, Maybank, Standard Chartered, RHB, CIMB, Bank of China, SBI, Singapura Finance, SingFinance and HLF — which means consultants can lay a wide range of mortgage packages side by side and tailor recommendations to each client's financial goals.
That coverage spans the full property spectrum: loans for private properties, HDB flats and commercial property. It also spans the whole journey — first-time buyers arranging a new purchase, and existing homeowners reviewing their loan to see whether refinancing could save money or better fit changed circumstances. And it all comes without bias towards any single lender: as the team puts it, the goal is to find the right loan for you, not the right loan for a bank.
mortgageplus pairs its advisory with a set of free online tools designed to take the guesswork out of the early stages. The rate comparison tool shows the best home mortgage rates in Singapore; the mortgage calculator estimates monthly repayments and breaks down principal versus interest; the TDSR calculator gives your Total Debt Servicing Ratio in seconds; and the smart home valuation tool returns an indicative value for a property. For those who prefer messaging, a WhatsApp AI assistant can shortlist packages, estimate repayments and check affordability — an experience the team describes as being like speaking to their consultants.
The website's guides are equally practical. Rather than fixating on the lowest headline interest rate, mortgageplus encourages borrowers to weigh lock-in periods, loan type, repayment flexibility, refinancing options and total borrowing costs — including charges like legal fees that can quietly add up.
Consultation and matching are free for borrowers. mortgageplus may receive fees or commissions from lenders for services rendered, but it does not charge users for its advisory work; application-related costs such as legal, valuation or processing fees remain the borrower's own. Importantly, mortgageplus is not itself a lender — all applications and approvals rest with the respective financial institutions, and the team is careful to note that rates and tool results shown online are indicative and subject to change.
The advice is anchored by a leadership team with deep financial roots. Director Nicholas Foo brings a strong foundation in banking and real estate management, and also leads Agility Fund Management. Chief Strategy Officer Trev Tan, Agility's VP in Investment and Asset Management, keeps the team's guidance data-driven. Ben Goh, Head of Mortgage, has more than 20 years in banking and has specialised in mortgage consultancy since the start of his career. And Assistant Manager Glenda Heng, a licensed financial professional with a decade in mortgage consultancy, is the client-first presence — guiding borrowers step by step, answering questions along the way and staying in touch years later, when it's time to refinance.
mortgageplus operates from One Sims Lane, #07-01, Singapore 387355. Borrowers can compare rates and use the calculators on the website, subscribe to the newsletter, or reach the team directly — WhatsApp at +65 8966 8118 is the quickest route, with email to connect@mortgageplus.sg and a contact form also available. Whether you're buying a private condo, financing an HDB flat, weighing a commercial property loan or simply wondering if your current rate still stacks up, the starting point is the same: a free conversation with people who compare banks for a living.