About MortgageLogic - Singapore Financing Advisory with Banking Experience

The team

Who We Are

MortgageLogic Advisory is led by Benjamin, Principal Consultant. The team has over a decade of banking experience across Corporate, SME, and Mortgage Banking at major Singapore financial institutions.

During that time, the team reviewed thousands of loan applications - from straightforward residential mortgages to complex SME restructurings and property development facilities. He saw what made applications succeed, what caused unnecessary rejections, and what banks never tell borrowers about why they declined.

MortgageLogic Advisory was built on that inside knowledge. Collectively, our team has structured and processed over S$1 billion in loan facilities across Singapore's lending landscape. We work across more than 20 banks, financial institutions, alternative lenders, and private investors.

We are registered in Singapore under UEN: 53463549X.

When you don't need us

When You Probably Don't Need Us

We will be direct: not every borrower needs an advisor. If your situation is straightforward, you may be perfectly well-served going direct.

For business owners

Your SME has a strong multi-year track record with an existing banking relationship, your financials are clean, and you simply need a top-up or a straightforward working capital loan of around S$200,000 from your existing bank. Your RM knows your account well and the application is routine.

For residential property owners

You are re-pricing within your existing bank and you have already reviewed the current market rates. If your bank's offered rate is competitive and switching costs outweigh the savings, re-pricing directly with no advisory involvement makes complete sense.

In both cases, go direct. It costs nothing and will likely proceed without difficulty.

We say this because we would rather you trust us with the cases where we actually make a difference - than charge a fee on an application that would have succeeded without us.

When the difference matters

When Using an Advisor Changes the Outcome

There are situations where the difference between a structured approach and a walk-in application is the outcome itself - not just the rate or the timeline. These are the cases we are built for.

The variable income borrower who keeps hitting TDSR limits

A sales director earning S$8,000 in fixed salary plus S$6,000 average monthly commission wanted to buy a S$1.8 million condo. He had applied at DBS and been told he could not borrow enough. The problem was how his income was being assessed - banks apply a 30% haircut on variable income, but how you document and present that income across 12 months versus 3 months matters significantly. After reviewing his income history and restructuring the documentation, his recognised income profile was materially stronger. He applied at a different institution and was approved.

What changed: documentation strategy and lender selection - not the income itself.

The SME owner who had been rejected twice and was about to try a third time

A retail business owner needed S$300,000 in working capital. She had applied at OCBC and UOB and been rejected both times. Her instinct was to try Maybank next. We reviewed her case first. The issue was not her business - her revenue was strong and she had been operating for 4 years. The issue was that her corporate bank statements showed several months of near-zero balances due to how she managed cash between accounts. To a credit officer reading 6 months of statements, it looked like poor cashflow. A third rejection would have made a fourth application even harder. We restructured the documentation narrative, consolidated the relevant cash flow picture, and submitted to a different institution that had a higher appetite for her sector. She was approved within 3 weeks.

What changed: the application narrative and lender match - not the business fundamentals.

The property investor who did not know his second property changed the rules

A Singapore Citizen with one existing HDB mortgage wanted to buy an investment condo. He had done his own TDSR calculation and assumed he could borrow 75% LTV. What he had not factored in was that his second residential purchase triggered a reduced LTV cap of 45%, which meant a significantly larger cash outlay than he had planned. He found this out at the bank - after he had already paid the 1% option fee. By then, it was too late to renegotiate the purchase price or restructure. A 30-minute pre-purchase review would have changed his property selection entirely.

What changed: nothing - because the planning was done too late. This is the case we exist to prevent.

The business owner who wanted to use his property to fund his business

A manufacturing SME director owned a private property valued at S$2.2 million with an outstanding mortgage of S$600,000. He needed S$500,000 for business expansion but had been told by his bank that an equity loan on his property was not possible because of his TDSR position. The equity facility could be structured differently - as a corporate facility secured by the property rather than a personal equity loan - which bypassed the personal TDSR constraint. This required a different facility type and a different internal credit pathway. We identified the route and connected him with the right institution.

What changed: the facility structure - the same collateral, a different pathway.

The construction company that needed equipment and trade financing at the same time

A construction subcontractor had won a significant project and needed S$200,000 in equipment financing for machinery and a S$150,000 trade facility to fund material purchases before invoice collection. His bank offered the equipment loan but declined the trade facility, citing overall exposure limits. We approached two specialist institutions simultaneously - one for each facility - coordinated the timeline so both were approved before project commencement, and structured the repayment to align with his project payment milestones rather than standard monthly schedules.

What changed: multi-institution coordination and milestone-aligned structuring.

The inside view

What Your Bank's RM Cannot Tell You

A bank relationship manager is a professional doing their job well - within the limits of their role. Those limits matter more than most borrowers realise.

• They can only show you their bank's products. They have no incentive to tell you that a competitor's facility is a better structural fit for your profile. We do not have that constraint.
• They cannot tell you their bank's current sector appetite. Banks quietly tighten or open their lending stance on specific industries, property types, and loan sizes month to month. We track this across institutions.
• They will not tell you why you were declined. Rejection letters are written to protect the bank, not to help you understand what to fix. We can usually identify the root issue within a 20-minute review of your profile.
• They cannot help you across multiple institutions simultaneously. If you need two facilities - or need to test appetite at three banks without triggering multiple hard credit inquiries - you need an intermediary, not a single bank's RM.
• They will not advise you to wait. If your financials would look materially stronger in 3 months, your bank's RM will still take the application today. We will tell you to wait when waiting is the right call.

Our network

Our Financing Network

We work across more than 20 banks, financial institutions, alternative lenders, and private investors in Singapore. This includes the major local banks (DBS, OCBC, UOB), foreign banks with active Singapore SME desks, MAS-regulated alternative lenders, P2P lending platforms, invoice financing providers, and private credit sources for specialist transactions.

Having that breadth matters for three specific reasons:

• Lender matching: Different institutions are stronger at different loan types, deal sizes, and borrower profiles. We direct applications to where they are most likely to succeed - not where they are most convenient.
• Rate negotiation: Volume relationships allow us to have direct conversations about pricing and terms that individual borrowers cannot easily have.
• Fallback options: If your preferred institution declines, we have alternatives already identified rather than starting the search from scratch.