The mReferral Mortgage Calculator App simplifies property and mortgage management. It provides a suite of calculators for mortgage expenses, affordable property pricing, and refinancing cash-out calculations. Users can conveniently apply for mortgages, comparing various low-interest P-loan options. Property valuations are available through Bank of China (Hong Kong). Importantly, mReferral acts solely as a referral service; we do not offer mortgage or P-loan products directly.

The mReferral Mortgage Calculator App offers these key features:

1) Mortgage Calculator: Calculate monthly payments, interest, and stamp duty for first and second mortgages, inputting loan amount, repayment period, and interest rate.

2) Refinance Calculator: Determine cash-out amounts and revised monthly payments based on existing and proposed mortgage details. Includes early settlement calculations.

3) Affordability Calculator: Estimate affordable property prices, income needs, and stress test requirements using mortgage amount and Loan-to-Value (LTV) ratio.

4) Mortgage Application: Quickly and easily apply for a mortgage directly through partnered banks via the app's API.

5) Property Valuation: Access up-to-date property valuations from Bank of China (Hong Kong) using the property address.

6) P-loan Application: Compare and apply for P-loans with low interest rates, loan amounts up to $3 million, and flexible repayment terms (3 months to 10 years). APR ranges from -99% to 8%. (Note: Please review the app's Terms and Conditions for specific examples and details.)

mReferral provides referral services only. All mortgage and P-loan information is presented on behalf of our partner banks and financial institutions. Offers, benefits, and fees are subject to their terms and conditions, which may be modified without notice. Some institutions may charge handling fees. Detailed P-loan application examples are available in the app's Terms and Conditions ().