The mReferral Mortgage Calculator App simplifies property and mortgage management. It features comprehensive calculators for mortgage expenses, affordable property prices, and refinance cash-out amounts. Users can conveniently apply for mortgages, comparing various low-interest P-loan options. Property valuations are provided via 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 requirements, and stress test results using loan amount and Loan-to-Value (LTV) ratio.

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

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

6) P-loan Application: Compare and apply for P-loans with low interest rates, loan amounts up to $3 million, and flexible repayment periods (3 months to 10 years). APR ranges from -99% to 8%. (Note: Please review the app's T&C section for example P-loan applications and details.)

mReferral provides referral services only. All mortgage and P-loan information is presented on behalf of partner banks and financial institutions. Offers, privileges, and handling fees are subject to the terms and conditions of those institutions. Institutions may charge fees and modify terms without notice.