FinMortgage
by FinGroup
For Doctors & Dentists in Singapore
The Only Mortgage Desk In Singapore Built For Doctors.
All banks compared. One consultant who actually understands locum income, clinic loans, and why your bank's "best rate" usually isn't.
Presented by Dr. U-Jin Chow, Principal Consultant & Founder of FinGroup
Doctor-turned-financial strategist with 20+ years of experience spanning medicine, entrepreneurship, and private banking — has helped 500+ doctors and high net worth clients with strategy and facilitating over $1 billion in private and commercial (clinic) financing across every major bank in Singapore.
Whether you're refinancing, buying, or sitting on an unencumbered property — we'll show you exactly what you're leaving on the table. In 15 minutes. Over WhatsApp.
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Tell us where you are. We'll show you what's possible.
Time-Sensitive
Your Bank Is Quietly Costing You $8,000–$15,000 A Year.
There's a refinancing window open right now that most doctors will miss. Rates have moved. Banks are competing harder than they have in 3 years. But your relationship manager won't call you — because the second you reprice, their margin drops.
We compare 10+ banks in 48 hours. If we can't save you money, we tell you straight. No theatre.
Average savings: $8K–$15K per year for doctors we've reviewed
Works even if you're inside your lock-in — we'll calculate the break-even
48 hours from review to bank submission — we handle the paperwork
Private or Commercial
Buying? Get The Rate Your Bank Won't Offer You Directly.
Doctors have complex income. Locum payments, private practice draws, salaried packages, clinic ownership. Half the banks in Singapore don't know how to underwrite you properly — which means you get quoted worse rates than you qualify for.
We work with 10+ banks including the ones who specialise in healthcare professionals, PRs, and HNW borrowers. Residential or commercial. Same desk, same consultant.
New launch, resale, or commercial clinic space
HNW structuring up to $50M+ (we've done it)
PRs and overseas-trained doctors welcome — we know which banks approve which profiles
Advanced Strategy
Your Fully-Paid Property Is A Dead Asset. Let's Wake It Up.
If you own a property outright, you're sitting on six or seven figures of locked equity earning you exactly zero. Most doctors don't realise they can extract that equity at today's mortgage rates — and redeploy it into assets producing 6–9% annually.
Done right, the spread pays your loan and puts cash in your pocket every year. Done wrong, you create tax and TDSR problems. We've structured this for senior specialists across Singapore.
Equity Term Loans (Gear-Up Loans) against unencumbered properties
Positive cash flow strategy — the loan funds itself, the spread is yours
Full structuring: tax, TDSR, redeployment — one consultant, one plan
Why 200+ Doctors Have Already Made The Switch.
10+ Banks Compared
DBS, UOB, OCBC, Stan Chart, HSBC, Citi, Maybank, CIMB and more — in one review.
48-Hour Turnaround
From first call to bank submission. We chase the paperwork. You see patients.
Doctor-Specialist Underwriting
We translate locum, private practice, and clinic income into a file banks approve.
Refinancing On Autopilot
We track your lock-in expiry and call you 4 months before — never get stuck again.
One Consultant, Full Stack
Mortgage, insurance, wealth, estate planning, corporate services. One relationship.
Zero Conflict Of Interest
We're paid by the bank you choose. Not the bank pushing the hardest.
Most Brokers Sell You A Loan. We Build The Structure Around It.
Here's what makes FinMortgage different from the 100+ mortgage brokers in Singapore: we're not just a mortgage desk. We're FinGroup — the only financial advisory firm in Singapore built end-to-end for healthcare professionals.
That means when you refinance with us, we also stress-test your insurance coverage against the new debt. When you buy, we structure ownership so your estate plan doesn't break. When you extract equity, we plug it into a wealth plan with tax efficiency baked in.
One consultant. One relationship. No repeating yourself to five different "specialists."
That's the FinGroup standard. And no other mortgage broker in Singapore offers it — because no other broker is built for doctors.
The FinGroup Standard
15 Minutes. Free. No Obligation.
Send us your details. Tell us your situation — refinancing, buying, or sitting on unencumbered equity. We'll come back within one business day with a clear answer on what's possible.
By submitting, you agree to be contacted by a FinMortgage consultant. No spam.
FinGroup Pte Ltd · 9 Raffles Place #26-01 Republic Plaza · Licensed under MAS
Trusted by doctors and dentists across Singapore