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

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.

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.

12 yrs

EN · CN

Ethan Ng

Head of Mortgage Consulting

Equity Term LoansDecoupling

Senior Mortgage Consultant

New PurchaseRefinancing

New PurchaseRefinancing

Senior Mortgage Consultant

Senior Mortgage Consultant

Senior Mortgage Consultant

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.

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

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

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

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

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.

4.9

Top mortgage broker SG

“Had a great experience working with Cris. He was super prompt throughout the entire process and always kept me updated, which made everything feel smooth and fuss-free. He was responsive whenever I had questions and made sure I knew what was happening at every stage. Would definitely recommend Cris to anyone looking for a reliable, responsive and…”

Rae Ho

Google review · 30 Sept 2026

“Agent is consultative and provide valuable advice. Gave me options to make my decision on which product to use eventually. Hungry recommended.”

john lim

7 Oct 2026

“Ethan was very efficient and very helpful! Thank you!”

Aqhari Abdullah

6 Oct 2026

“Stanley was swift, responsive and responsible. Highly recommend everyone to engage Cashew Mortgage for mortgage loans. It was a very pleasant experience :)”

Dylan Lim

30 Sept 2026

Read all 83 reviews on Google

Ready when you are