Mortgage Advisory · Singapore
Financing advice built around the numbers, not the bank.
ST One Advisory compares every lender in the market for private, HDB and commercial financing — then stays with you through approval, drawdown and every rate review after.
15+ lenders
Compared on every case, banks and non-banks alike
No cost to you
The advisory fee is paid by the lender, not the borrower
Annual review
We track your lock-in and come back before it expires
The advisor
Fifteen years of reading bank credit — now on your side of the table.
Stephanie founded ST One Advisory after more than a decade inside Singapore's banking sector, where she saw the same thing repeatedly: good borrowers accepting the first package they were shown. Her practice exists to close that gap — one advisor, the whole market, and a straight answer about what a file will and will not get approved for.
Most of her work arrives through law firms, estate planners and property agents who need a financing partner they can hand a client to without worrying about how it will be handled.
Residential — private & HDB
Purchase, refinance, repricing
Commercial & industrial
Own-use and investment holdings
Complex income files
Self-employed, variable, foreign-sourced
Portfolio planning
Multiple properties, decoupling, timing
How it works
Four steps, and you only do the first one.
Most clients are two conversations away from a signed letter of offer. Everything between is handled on your behalf.
01
Share your numbers
A form or a fifteen-minute call. Property, loan, income, timeline.
02
See the whole market
A written comparison of every package you qualify for, with the real cost over the lock-in.
03
We run the submission
Documents, bankers, valuation, conveyancing lawyers — coordinated to your dates.
04
Reviewed every year
Your lock-in expiry sits in our calendar. We come back to you before it costs you.
Selected work
Recent case studies
What people say
“She told me to stay with my existing bank and reprice. It earned her nothing. That is the entire reason my clients now go to her.”
“Two banks had already turned us down. Stephanie repackaged the same income and we were approved in nine days.”
“I refer estate planning clients to very few people. Every one of them has come back and thanked me.”
For referral partners
Law firms, estate planners and agents.
Send a name and a number and we take it from there. Every referral is logged, tracked to outcome, and reported back to you — you always know where your client stands without having to chase.
Become a partner- Every referral personally acknowledged
- Status updates at submission, approval and drawdown
- Your client is never cross-sold anything else
- Co-branded comparison reports on request