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Loan Products

Mortgage Loan Process Flow

Loan Products

Homebuyer First Mortgage Loan

  • Less downpayment .Exempt stress test 
  • Difficult to approve customers for banks
  • Loan-to-value ratio up to 80%

Second Mortgage Loan

  • For short-term capital turnover needs, down payment prepayment, stamp duty, decoration fees, investments…
  • Exempt legal fee and handling fee

Flexi Cash-Out Mortgage Loan

  • Easy application
  • Exempt stress test
  • Loan-to-value ratio up to 70%

Homebuyer Mortgage Loan

  • New Purchasers of Residential Properties、New Mortgage Insurance Over property price cap
  • Property price over HK$10,000,000
  • Loan-to-value ratio up to 80%

Car-park Mortgage Loan

  • For the downpayment / insufficient funds
  • Short penalty period 


Frequently asked Questions

How to apply for a Centaline Finance Limited mortgage loan?

You can apply by :
  • Submit your application and property details in WhatsApp;
  • Submit your application and property details to our website;
  • Submit your application and property details to our Mobile App;
  • Call our Mortgage Hotline at 3107-1881; or
  • Please visit our office

What documents do I need to prepare for applying for a mortgage loan from Centaline Finance Limited?

With the following documents :
  • Proof of identity ( e.g. HKID cards(s) or passport(s), etc.)
  • Proof of residential address issued within the past three months(e.g. recent rates, management fees, bank monthly bills, etc.)
  • Provisional Agreement For Sale And Purchase (New residential properties)
  • One of the bank issued by contribution monthly statement (For apply to Second Mortgage Loan )

How long will it take to withdraw a loan after successful approval?

Loans can be withdrawn up to 3 working days

What types of loan products does Centaline Finance Limited provide?

Centaline Finance Limited provides the loan products including :
  • First Mortgage Loan
  • Second Mortgage Loan
  • Property Refinancing Loan
  • Cash-Out Refinance Loan
  • Car-Park Mortgage Loan
For more information, please refer to the “Loan Products” on our website

What property can I use to apply for a mortgage?

We accept a wide range of residential properties in Hong Kong :
  • Residential
  • HOS home owners (with Land Premiums paid)
  • Chinese Mansion
  • Village House
  • Car-Park

Is it eligible for a person who has retired or is over 60 years old to apply for loans?

Yes. If a property owner is over 60 years old, he/she may apply for a loan as long as a young person who is capable of working provides a guarantee. Certainly, if the borrower is able to prove that his/her ability to work despite over 60 years of age, it is possible that he/she may not need a guarantor when applying for loan.

The property is owned by the company and can I apply for a mortgage?

We accept applications for mortgage loans from shell companies, provided that all shareholders and directors of the company agree to be mortgage guarantors.

What repayment options are available?

With the following :
  • Principal and interest loans: Similar to repaying mortgage loans at banks, every installment includes the amortised principal and interest.
  • Interest-only loans: Borrower repays the monthly interest only. The entire principal will be settled when the agreement expires.
  • The loan tenure is flexible, from 3 months to 10 years.
For enquiries about our website, products information and services, please call our hotline 3107-1881.

Can I sell the property at any time after drawing the loan?

You can request to sell the mortgaged property anytime during the loan tenor. The property owner should inform us as soon as he/she and the buyer have agreed on the price and signed the provisional sale and purchase agreement. The completion date will be taken as the cut-off date. We will calculate the full amount of the repayment as quickly as possible.

Free valuation

Provide free valuation services for buy a property,
To use our free valuation service, please contact us.