I would like express a BIG thank you to Victor Wong of www.HousingLoanSG.com for his patience and advice during the loan application process. He had absolutely saved me the time and energy to look at what the banks in Singapore are offering. Approval took only about 2 days, which was much faster than what I had expected. He rendered great service and offered unbiased information and I believe that this is what customers really want from a mortgage broker. - Estee Chan

I would like to thank you, Novel Hui of HousingLoanSG.com for the enthusiasm and professional services.

She provided prompt and useful advice to me and was able to quickly match my needs against a range of mortgage products. Applying the loan through http://www.HousingLoanSG.com had ensured me in getting the BEST DEAL. I am very impressed by her resourcefulness and perseverance in providing me up to minute information on which package is the most suitable for my home loan.

I’m really glad that their business philosophy “put clients’ interest above everything”(以客为先) is more than just words. – Mr Tok Aik Hong

I wanted to give my best compliments to Chelsia of www.HousingLoanSG.com  for a fantastic job done in helping me secure a loan. She was patient, meticulous, extremely helpful, resourceful, and took the initiative to source multiple types of packages from multiple banks on a continual basis as my requirements changed. She also did detailed spreadsheet analyses for me to ensure that I would get the best packages. She is a real asset to your company. - Jeffrey Lam

I would like to express my herathfelt thanks to MsJune for going the extra mile to help me secure the HDB Bank loan.

1) I am just a taxi-driver, repeat only a taxi-driver and she treated me with the same potential customer as the rest.

2) Even though I have got a few banks rejecting my loans, Ms June was patient and fought to the end just before the valuation of HDB expired, thereby saving me time to reapply again the HDB valuation. She never gave up.

3) She always take the trouble and patience to update me after office hours so that I am constantly aware of the whole situation, thereby enabling me to make contingency plans (if necessary), bearing in mind that this is using up her personel after office hours and her weekend leisure time.

4) She have a very good listening ear, this I must add because she absorbed all my frustrations from the bank rejection reply. My frustration was purely on the banks rejection and not vented at her.She is also a special listening ear to absorb all my
greivances....hey, i cannot be speaking to a wall, right...she is just a special listening ear to all my frustrations.

5) She gave valuable and legal advise outside of the purview of the loan matters to enable me to come out with alternative plans should such a need arises. I like to add that these are legal and honest ideas but when one is in panick mode, somehow these good and simple ideas just will come out of my head. as they say, it is the outsiders that sees things more clearly. ....And many others............ableit insignicant but very professional and her heart and passion put on the job, i think 200% is there
sincerely in getting this loan done. in short, the human touch.

This is all but not limited to the above mentioned as I just want to say a big thank you to you (for having such a wonderful
colleagues) and herself (equally most of all) and the team from www.HousingLoanSG.com.  - Ryan Han

I think the best investment I made this year was to attend your recent workshop on "How to Save & Accumulate One Million Dollars" with my two sons.

The workshop jolted me to the reality of what inflation can do to my hard earned money and gave me hope to grow my hard earned money more than I dare imagine.

It also helped me bond with my two boys even more than ever. At least now they know why Mummy is so tight fisted with their pocket money and family spending and I did what you did with your child when he threw a tantrum in public, when I didn't buy him the toy he wanted.

Thank you for sharing with us your successful strategies and I hope to be financially independent as soon as possible. - Dorothy Chee

I have always enjoyed reading your newsletters because of your unbiased views on matters pertaining to wealth management, etc, etc.  I hope people will take heed from your advice and not plunge themselves into bottomless debts.  There are very few who would write honestly in these days and to be true to oneself is so scarce and rare.   - Frieda Seet

Congratulation to your successful launch of your "Mastering Your Personal Fiance" book. I have purchased and read this book with great interest and looking forward to attend your seminar. - Peter Wong

Hi Dennis, thanks for writing a good book. I really wish that this book can be kept forever by all Singaporeans. This is a very good book, it should be a collection for locals and even foreigners, I appreciate this book very much. - Clark, AIA

Hi, Dennis,   You have made a wise and fruitful mission out of your life to help others achieve their $1million like you do.

I would continue to read more of your articles and will get your advise through my journey to learn from you on this!

Appreciate your heart of sharing!  - Geraldine

Congratulations on your book’s success. I went to Popular and was told that the last book was sold out. - Kim Ee

Our reply:

you can buy the book online at Special Price of S$15.90 only, 20% off the retail price of S$19.90. Upon payment, we will arrange to mail the Physical book to you in about 2 weeks' time. FREE mailing in Singapore, no extra charges.

You can order and pay for the book at this url:

http://www.masteryourfinance.com/web/index.php?option=com_virtuemart&page=shop.browse&category_id=2&Itemid=35

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 your staff 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'm pleased to be able to recommend the services www.HousingLoanSG.com - I felt that you provided independent mortgage advice to me and was able to quickly match my needs to a range of suitable mortgage products. I've been particularly pleased that you have continued to provide free advice to determine whether my current mortgage continues to meet my needs and also highlight new offerings on the market that she feels might be of value to me. - Colin

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 

I am glad to have www.HousingLoanSG.com as my guide in the purchase of my first private apartment.You helped me to secure a bank loan which offers competitive interest rate and also gave me advice on the type and price of apartment which is affordable and within my financial means. I will definitely recommend your service to all potential buyers of property - Mrs Soh Lee Kwan

I would like to thank you for your great help in 'pushing' for my loan application to Banker so that I am able to enjoy the lower interest rates in time. In addition, thank you for being a great 'advisor' to my housing issues as well. I have already told most of my friends to look for you if ever they need to review their financial plan for their home loans. Jenny

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.

I will not hesitate to recommend the Leverage Holdings Pte Ltd to my friendsand colleagues. Thanks you very much, - Jig Cabrillos

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

Thank you 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 www.HousingLoanSG.com'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 your staffs service. 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 your company for your 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 you 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. Your staff 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 your service but also your understanding and efficiency.

Mine was a unique case with a very tight time line but yet they were able to deliver. Your staff 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