I’m buying
I’m refinancing

Our Team

Experts You Can Trust

At Mortgage Master, our people are more than experts—they’re your partners in securing the best home loan in Singapore. With deep experience and a genuine “customer-first” ethos, our team is focused on helping you save on mortgages, navigate refinancing, and find the ideal HDB or private property home loan.

David Baey

Co-Founder & CEO

With over 12 years of mortgage banking experience at DBS and MoneySmart, David co-founded Mortgage Master in 2019 with a simple philosophy: create a win-win-win scenario for customers, banks, and brokers. His vision centers around empowering homeowners with transparent, unbiased home loan advice.

Our Mortgage Specialists — Your Local Home Loan Experts

Our mortgage consultants and managers are seasoned professionals who know the Singapore market inside out. Whether you’re comparing bank loan packages, exploring mortgage refinancing, or evaluating HDB loan options, they work tirelessly to deliver personalised, unbiased advice.

Lu Chen Guang

Head of Operations

Mitchell Ling

Head of Sales

Irving Yang

Mortgage Consultant

Adam Lai

Mortgage Consultant

Carie Tan

Mortgage Consultant

Eugene Toh

Mortgage Consultant

Fabian Lim

Mortgage Consultant

Henry Koo

Mortgage Consultant

Jackie Zheng

Mortgage Consultant

Jackson Ng

Mortgage Consultant

Justin Wong

Mortgage Consultant

Lily

Mortgage Consultant

Marcus Ling

Mortgage Consultant

Ray Hoe

Mortgage Consultant

Why Our Customers Trust Us

  • Customer-First, Always — We put you at the heart of every recommendation.
  • Deep Mortgage Expertise — From HDB loans to private property refinancing, our team knows what works.
  • Transparent, Bank-Agnostic Advice — Unlike direct banks, we compare across lenders to find the best rates.
  • Tech-Enabled Efficiency — Support that’s fast, clear, and seamless—backed by our proprietary platform.
testimonials

What People Are Saying

Gina Ratnasari
01:37 30 Jul 25
I reached out to mortgage master to get advice on managing my mortage for my house purchase.

Francis is very helpful and ready to answer my questions about mortgage almost immediately. I would have signed the mortgage through his service if only I had enough time to manage the legal procedures for the purchase. I would definitely ask his help in my next refinancing of the house though.

Thanks Francis for the advices and help. Would definitely work with you in the next chance.
Uno
14:37 29 Jul 25
I’m writing to express my appreciation for the exceptional advisory service provided by Jackie, a mortgage specialist with Mortgage Master.

While i was skeptical at first, Jackie patiently explained how I could benefit from the advisory service. And indeed, i would not have gotten such a good deal if not for him. I am impressed by his professionalism, responsiveness, patience and deep knowledge, having considered my loan from all angles. He tirelessly explained various options and suggested the best one for me. The banker he linked me up with was equally professional. And I got the max loan i wanted within 2 weeks.

Because of this positive experience, I would not hesitate to recommend Jackie to friends who need mortgage options.
B Ng
13:00 29 Jul 25
Saying Mitchell is an expert in this field is an understatement.He is able to anticipate clients concern and swiftly provide well thought out advices. His response is almost immediate and always with precision. With his guidance, I am able to analysis clearly which package is most suited for me despite the numerous requirements I have. I am most impressed with his knowledge and pleasant disposition among all the other players in the market. Really hope to engage his help again in the future.
Abel Tan
03:48 29 Jul 25
Francis Chua is honest and cares that you get the right loan for your situation. Didn’t upsell me when I mention that I might sell and instead advise me to do a repricing. Thanks!
Jason Yong
02:53 29 Jul 25
We received prompt and professional mortgage advice and service from Francis of Mortgage Master. He is attentive and responds quickly. Highly recommended.
YT Wu (Yingtong)
10:07 28 Jul 25
Francis Chua is very professional, helpful and responsive, making my re-financing experience smooth and fast. Highly recommended.
gabriel ng
07:28 28 Jul 25
Francis was very helpful!
Goh ailin
10:34 26 Jul 25
Good Service,Thank you
Beverly Tan
02:44 26 Jul 25
Francis was very helpful in my recent refinancing effort. He proactively checked in, recommended the best deals in the market, provided unbias advice and patiently addressed my numerous queries. He neither hard sells nor pressures you to act against your comfort or interest, and is a trustworthy mortgage advisor to journey with for mortgage decisions.
Felix Chan
05:13 24 Jul 25
Very good information ahared.
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