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Your Partner in Smarter Choices for Every Stage.

Property decisions aren’t one-time events — they’re ongoing journeys. As your needs change, we adapt alongside you.

From buying your first home to planning your renovation and preserving your legacy for future generations, we are here to help you make every decision with confidence and clarity.

Ranging from mortgage, legal to lifestyle support, we’ve got you covered all in one trusted hub — with advice tailored to your needs.

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Our strength lies in the combination of financial expertise, trusted legal counsel, and validated partners.
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This means you don’t need to juggle multiple providers.

We integrate the process so you can focus on what matters most: building a secure home and future for you and your family.

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What sets us apart is not just the services we offer, but the people behind them.

Our advisors, lawyers, and partners bring decades of experience, integrity, and a personal touch to every case. Each solution is tailored, transparent, and focused on serving your best interests.

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Highly experienced and holistic legal backbone that goes beyond financing.

We are backed by a group of highly experienced lawyers across conveyancing, family, corporate, and dispute resolution — ensuring your contracts and future planning are handled with utmost care.

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Personally experienced and validated partners you can trust.

Choosing an advisor is often overwhelming. That’s why we only work with personally experienced and validated experts — professionals we trust ourselves.

Meet Our Team

Mortgage Specialists

Ms. J Tan

Team Manager

With decades of experience in mortgage sales across local and foreign banks, Ms. Tan brings both depth and passion to home loan financing. Her expertise lies in smart mortgage advisory — not just chasing low rates, but finding the right package that matches each client’s unique needs.

“Many clients think the lowest mortgage rate is the best rate, but this may not always be beneficial. Most banks differentiate their packages with unique features. I make it a point to listen to my clients carefully before recommending the packages that truly serve their best interests.”

Her personal values of integrity and credibility guide every recommendation, ensuring clients receive advice that is both professional and trustworthy.

Legal Counsel

Ms. Tan Seow Peer

Advisor

Ms. Tan is a trusted legal advisor with wide-ranging expertise in conveyancing, family law and corporate law.

Known for her clear, practical approach, she empowers clients with solutions that balance compassion and professionalism.

Whether it’s restructuring property ownership, navigating family matters, or securing your legacy with wills and LPAs, Ms. Tan guides clients to take control of complex issues with confidence — ensuring every decision is a smart decision.

+65 9889 1298

77 High Street Plaza #10-12

Singapore 179433

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© 2025 RateSmart Mortgage. All rights reserved

RateSmart’s Mortgage Calculator, Tdsr Calculator, and Rate Comparison Tool are for illustrative purposes only and is not to be relied upon as professional advice. RateSmart Mortgage and its associated entities do not represent or warrant that the results from the calculators are complete or accurate, and accepts no liability whatsoever for any loss arising directly or indirectly as a result of any person acting on any information presented herein. These tools does not take into account the financial background, tax/legal position or investment objectives specific to each user. You are advised to consult a mortgage specialist before making any decision pertaining to your property financing.

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