I have read your articles and really appreciate your generous sharing. I have benefitted much from it. Thank you very much. I look forward to reading your book "Mastering Your Personal Finance". - Kristine Lam

I would like to complement Serene Liang for her prompt and useful advices to me in sorting out my housing loan.

It had been a good experience in engaging her services which save me a lot of times and hassles in getting a good deal.

I fully recognize her enthusiasm and resourcefulness in helping me to get the loan done in a very short time. Thank you very much and keep up with the good job.  --Nien

I would like to compliment the prompt assistance of www.HousingLoanSG.com  and Ms. Chelsia Lim in helping me secure a competitive loan package.

Ms. Chelsia Lim from www.HousingLoanSG.com was friendly and unbiased in advising me the best loan package available. Furthermore, I appreciate her efforts to meet me on a Sunday on such short notice. 

Once again, I thank you and Ms. Chelsia Lim for your assistance rendered.

Thank you, - Kwa Wee Sien

I came across your forum via the housingloan website as I was looking to refinance my housing loan.

After spending straight 10 hours on your forum on Saturday (still haven't finish reviewing all), I discovered many jewels and gems and had learnt alot from you.

I want to say a big THANK YOU to you for being so generous to share your knowledge and experience. Please keep doing what you are doing so that many people like me who wanted to have financial freedom can be benefited and inspired. - Katherine Lye

Just a short email to applaud you on the articles and newsletters that you have written. I sincerely think that all of them are well considered and well written.

As a consultant myself (although in different area - I am involved in petrochemical area), I certainly think that "going against the grain" can often be difficult - eventhough a lot of times we have formed that opinion based on solid analysis.

Anyway, thank you for all your newsletters once again. - Leo Wirawan

Truly, I like to thank you for sharing your expert knowledge of the market and current events with us.  Once again, thank you so much. - Jason Tan

We have received good review for the speaker, Mr Dennis Ng.
Some of the comments/feedback are extracted below for ease of reference: He can explain clearly and make references for clearer understanding.
  Cheerful stories; humourous.
  Gave real-life examples; lively presentation.
  Kept the atmosphere active and interacted well with audience.
  Simple and easy to understand.
  Clear explanation with examples.
  Vivid description & lively.
  Different components of CPF; start savings early to achieve financial freedom.
  Can relate to the audience in his "heartlander" way of presentation;
  clear slides and good vocal.

Pls thank Dennis on our behalf. Tks! -  Hazel TAN, Manager, CPF Board Member Education Department 

Dennis, I see that you are quite an established person being featured on TV and having a prominent website. I must say that you are very successful in the line of finance. I hope that you will continue to write such great articles that will benefit the general public and perhaps bring insight to many people in various industries. - Ethan Chan

Actually, I want to say thanks to Dennis for educating me a few months back about good debts and bad debts, both in this and CNA forum.  

He had made me changed my perception of debts and started to realise the fundamental rule that it is silly to clear good debts all at once, but should instead to put the available funds to earn higher return so that the net effect is debt-free situation.   Thanks Dennis once again

Hi Dennis,  read your interview with Sunday Times on 4 Nov 2007. Your views on not owning a car have made you different from those who were interviewed in previous Sunday Times' issues. Most of them owned a BMW, Lexus, Mercedes or a simple family car but you are one of the few who get by without one. In the process, using 6% annual growth, you have saved about S$1.6 million ! My wife and I now support your view and tell ourselves not to buy a car unless absolutely necessary as we both enjoy walking (and I enjoy cycling).

Hope you can continue to contribute to the BT or Sunday Times in future. Look forward to reading more of your articles/interviews.

Hello Patricia,   we're very thankful for your great help in acquiring loan to the bank. We're very gladthat we get a hassle free and competitive bank loan offer with your help.

Hi. I've been receiving & reading your free newsletters for quite some time now and I must first of all thank you for this unique service that sheds light on the intricate business of housing loans. This sort of insightful information is extremely helpful to the layman. - Yew Yee

I am at this forum very often and through this forum I decided to emailed Dennis, and later I got the courage to telephone him. He was knowledgable and gave me one very good advice that really helped me in my financial situation. He really helped solve my financing problem.

Today I am so much better off financially and enjoy greater peace of mind. I really want to thank him for his advice. Thanks

Thanks to all @ Leverage Holdings for all help rendered during the process of the Housing Loan. Me & My Wife really appreciate it. Cheers!!!!!!!!!!!!!  Thanks & Best Regards, - Matt Lim

I’m a foreigner working in Singapore and was very confused about the rules and procedures of buying a property in Singapore and the numerous Housing Loan packages available in the market.

I really must thank you for answering all my questions and helping me make the entire process of getting a Housing Loan for my property so hassle free

Your service is really very helpful to foreginers who are not familiar with the rules and procedures of purchasing a house and getting a Housing Loan in Singapore – Hailey Choi, Korean

Thanks to Serene for helping me to get a very good refinancing package.

Though I have directly contacted the banks earlier, it was a pain chasing their folks up.

Also none of them seem to be aware of what other banks were offering. So it was very difficult to compare and work out the best package.

With Serene's help, it was easy to see the best offer and get the banks to match specific terms which was advantageous to my need.

Thanks for the great support! I have already recommended you to two of my colleugues.

Regards - K.T (Changi)

I went to several bank websites, compared rates, but realised not all are comprehensive enough to make good judgement.

My then bank which I have a mortgage with, the branch manager didn’t explain the terms and conditions of the housing Loan package in full, and made no attempt to keep my loan low, for e.g. told me that I would need a bridging loan, which after consulted with HousingLoanSG Consultant, I was advised I did not need such facility if I planned my transactions carefully.

HousingLoanSG’s consultant Miss June, took pains to explain all banks' rates to me, the pros and the cons of the different Housing Loan packages, which enabled me to choose a package that really meet my needs and save me money. - Phiroze

We're very impressed with the service of one of your Relationship Manager, Serene. She prepared the analysis report and met up with us on the same day, knowing that we've limited time to choose our loan packages before our option expires.

Her professionalism and easy-going nature makes us feel comfortable to clarify our doubts with her. And she continued giving us a very good service, despite some hiccups along the way.

We've already recommended her service to our friends & will definitely continue to do so!

Thanks for your patience and help. Patricia of www.HousingLoanSG.com managed to help us source for a better Housing Loan package than what our existing bank was willing to offer.

We were able to get additional hundreds of thousands dollars of Equity Home Loan because of your help to refinance.

We’ll certainly be glad to help you spread the word about the fantastic service you provide – Ken Tsurumaru & Chris Cheung

My company was sourcing for a commercial property to invest. You managed to find a valuer who matches the purchase price of the property even though several valuers were unable to do so.

You also managed to help me obtain a higher percentage of financing than typically granted by banks for commercial properties, thereby helping me save on upfront cash needed on the purchase. Thank you so much - AG Pandan Pte Ltd

The purchase for the condo is now done.

Thank you very much for you help in the process. We couldn't have done it without you.

Greatly appreciate the service. THanks - Lim Seow Yin

I was delighted to receive a call from staff of www.HousingLoanSG.com that my loan application was approved. She has been very patient in hearing me out and offering me professional advice.

I like to thank her for helping me to get my loan successfully and in time too! Its heartwarming to be served by a sincere person like her. - Tan Ru Yih

The bank that I chose typically does not finance HUDC properties, however, June of HousingLoanSG.com managed to help me get special approval from the bank.

You also went out of your way to help me liaise with the lawyer to ensure that the transaction went through smoothly without a hitch. Thanks for helping me remove the headache of a property purchase transaction. - Benny Chee

I found your website while surfing the net and have learned a lot of knowledge about Housing Loan from your website.

You also shared with me the difference between Floating Rate package and Fixed Rate package without me asking, in order to help me make an informed decision.

You have shown you truly put clients’ interest first since in my case, you have no monetary gain at all. I will definitely let my friends know about the service you provide. - KL Kong

I was paying quite high interest rate on my Housing Loan. I found your company through the internet. I used to find refinancing a chore, but thankfully for the service you provide, choosing a Housing Loan package to refinance and the entire process of refinancing becomes hassle free.

I was especially touched when you volunteered to help me go down to the bank branch on my behalf to obtain my Housing Loan statement required for refinancing, helping save my precious time.

Your service is really useful for a busy senior executive like myself. - Christopher Soon

I’m a very busy businessman. Your service comes in very helpful as you helped me to sort out all the different Housing Loan packages in the market to find one that is suitable for my needs.

You also helped me to check valuation of properties that I’m viewing, thus helping me to ensure that I did not over-pay for my properties.

I’ll certainly come back to you again when I’m looking to buy other properties in future. - Steven Chua, Business Owner

My daughter and I are very grateful to staff of www.HousingLoanSG.com in helping us to get approval from the bank. She is quick in responding to us, and is very patient with all my requests, helping us to analyse and source for the most suitable loan that meets our financial needs. - Christopher Chew

It is our pleasure to inform you that the purchase of Blossoms @ Woodleigh was completed smoothly. We want to thank you for all your help, especially when you came over to our house and patiently answered our questions till 11 pm.

You truly show you have clients' interest in mind. We will not hesitate to recommend your services to our friends in future. - Mrs Phua, 25 Woodleigh Close

We approached Leverage Holdings Pte Ltd with a very limited time to spare. Through their Expertise, we managed to select and firm up an Ideal Package within 1 day !!!

Many thanks to Serene and Banker Aaron for their professionalism and dedication. Great service attitude in helping us to resolve last minute glitches. Keep up the good work! - Dickson Ong, (HDB Bedok)

I would like to thank Serene for the successful application of my
mortgage loan for my new home. www.HousingLoanSG.com ‘s consultants really do serve by their clients' interest put first. Serene actually made a few trips down to pick up my documents as I did not have access to any fax machine or scanner.

She even came to pick up a legal documents from me & deliver it personally to the law firm. All the efforts, amid ugly weather & other
unforeseen circumstances. Mr Ong, Seng Kang

I was rather skeptical where mortgage broking is concerned until I approached your company. I was really impressed not only by their service but also their understanding and efficiency.

Mine was a unique case with a very tight time line but yet they were able to deliver. Serene, the consultant in charge of my case was very patient and went extra miles to help me. The banker she recommended was also very helpful.

I am thankful that I made the right choice of engaging their service. I will definitely recommend them to anyone who needs bank financing.

For those who are as skeptical as I was, give them a try. You pay nothing but may gain a whole lot more. - Madam Tan, Serangoon North Ave 1

I am working overseas and was looking to buy a second property in Singapore. I applied to my existing bank for approval in principle but did not receive any reply.

I read about www.HousingLoanSG.com in Sunday Times and when I called, I was pleasantly surprised by the friendly and efficient service this company provides.

The loan was approved within 3 working days with all the documentation administered via email. I highly recommend individuals waiting for their loan approval to experience this 5 STAR quality service provided by www.HousingLoanSG.com - Edwin Lim, Australia