Cashew

Digital where it helps.
Human where it matters.

Independent mortgage consultants, one platform that compares 500+ packages across all major banks. Book a free, confidential 30-minute call.

Chat on WhatsApp+65 8021 7460
Free to usePDPA confidential4.9★ on Google
The Cashew consultant team
Why work with us

The kind of consultants

Mortgages reward patience and pattern-recognition. Our team brings both, with the unhurried, plain-English style we'd want for our own families.

The Cashew consultant team
4.9 / 5.0
Google rating
Knowledgeable
Average eight years' experience across Singapore banks. We know the lock-ins, the clawbacks, the CPF quirks, and where the small print hides.
8 yrs
avg experience
Responsive
WhatsApp replies in under 30 minutes during business hours. Calls picked up by a human, not a phone tree. Pickups even on weekends.
< 30 min
reply time
Unbiased
Cashew earns the same standard commission from any bank. We have no quota with any lender, so the package we put forward is the one that suits you, not the bank.
All banks
all equal
The team

Our consultants. Real people.

Pick the consultant who matches your situation, or let us match you. Click any profile to read their full story and book directly with them.

Ethan Ng
12 yrs
EN · CN
Ethan Ng
Advisory Director
View profile Book
Stanley Tan
8 yrs
EN · CN
Stanley Tan
Senior Mortgage Consultant
New PurchaseRefinancing
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Javier Lim
5 yrs
EN · CN
Javier Lim
Mortgage Consultant
New PurchaseRefinancing
View profile Book
Si Lie Chew
10 yrs
EN · CN
Si Lie Chew
Senior Mortgage Consultant
View profile Book
Luck Sin Chia
20 yrs
Luck Sin Chia
Advisory Director
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Cris Ng
20 yrs
EN · CN
Cris Ng
Advisory Director
View profile Book
Erica Sham
10 yrs
EN · CN
Erica Sham
Senior Mortgage Consultant
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SS
10 yrs
EN · CN
Sophia Sim
Mortgage Consultant
View profile Book
Eugene Sin
10 yrs
EN · CN
Eugene Sin
Senior Mortgage Consultant
View profile Book
Heslyn Tan
10 yrs
EN · CN
Heslyn Tan
Mortgage Consultant
View profile Book
Noel Tan
7 yrs
Noel Tan
Noel Tan
View profile Book
What your consultant does

What does good actually look like?

Five stages, one phone number. From the first call through every refinance for the life of your loan.

01

Eligibility & affordability

Before we talk rates, we run your numbers. Salary, variable income, existing loans, CPF balances, all checked against the regulator's rules and each bank's stricter quirks.

TDSR / MSR calculation
MAS stress test at 4%
CPF usage strategy
Variable-income haircuts
02

Package comparison

You see every option side-by-side: fixed, floating, and board rate, across all major banks. We translate the small print and tell you the real total cost over 3 to 5 years.

Fixed vs SORA-floating
Board rate (legacy) review
Lock-in & clawback maths
Free repricing vs refinance
03

Loan structuring

The right loan isn't just the lowest rate. Tenure, who borrows, when to refinance, whether to decouple. These decisions move six figures over a mortgage's life.

Loan tenure optimisation
Joint vs single applicant
Decoupling for couples
Refinancing timing windows
04

Submission & documents

We package and submit your application to the chosen bank, chase missing documents, and stay between you and the credit officer until you get AIP, usually in 1 to 3 working days.

MyInfo prefill
Income & payslip verification
Bank credit officer liaison
AIP in 1 to 3 working days
05

After you sign

Our work isn't done at disbursement. We watch the rate cycle for you and reach out 4 months before your lock-in ends, so you reprice or refinance at the right moment, not too late.

Disbursement coordination
Pre-lock-in alerts at month 24
Annual rate review
Lifetime refinance support
Verified Google reviews

Singaporeans trust us.
A surprising number actually like us.

G
4.9
Top mortgage broker SG

“We came in thinking we needed a "fixed" rate because every cousin said so. Wei Ming spent an hour walking us through SORA, the lock-in math, and what would happen if rates dropped. We saved $14,800 over 3 years vs the package we walked in with, and our consultant still picks up the phone.”

LW
Lim Wei Jie
First-time HDB buyer · 13 Nov 2025
G

“Priya messaged me on a Sunday night with a rate drop alert. By Wednesday we'd refinanced. Lowered my installment by $312/month. No way I would have caught that window myself.”

Sarah Tan
Refinance, condo
9 Nov 2025
G

“The decoupling math is brutal: stamp duty, mortgage transfer, CPF refund. Mei Ling drew it on one A4 page. Everything we needed, nothing we didn't.”

Aravind K.
Decoupling
6 Nov 2025
G

“Aisha replied to my WhatsApps for nine months until our BTO was ready. By the time we collected keys the loan was already in place. Unicorn service.”

Jennifer Lau
BTO completion
4 Nov 2025
Read all reviews on Google
Ready when you are

Talk when you're ready to talk.

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