The mReferral Mortgage Calculator App simplifies property and mortgage management. This user-friendly application provides a suite of calculators for determining mortgage costs, affordable home prices, and refinancing payouts. Users can also conveniently apply for mortgages directly through the app, comparing various low-interest P-loan options. Property valuations are facilitated via a partnership with Bank of China (Hong Kong).

Key features include:

1. Mortgage Calculator: Calculate monthly payments, interest, and stamp duty for both first and second mortgages using customizable inputs (loan amount, repayment period, interest rate).

2. Refinance Calculator: Determine cash-out potential and revised monthly payments after refinancing, incorporating early settlement calculations.

3. Affordability Calculator: Estimate affordable property prices based on loan amount, Loan-to-Value (LTV) ratio, income needs, and stress test parameters.

4. Mortgage Application: Streamlined mortgage applications directly to partnering banks via integrated API technology.

5. Property Valuation: Access up-to-date property valuations from Bank of China (Hong Kong) with just an address.

6. P-Loan Application & Comparison: Compare and apply for P-loans with low interest rates, loan amounts up to $3 million, flexible repayment terms (3 months to 10 years), and APRs ranging from -99% to 8%. (Note: The negative APR range requires further clarification within the app's terms and conditions.)

Important Note: mReferral acts solely as a referral service, connecting users with participating banks and financial institutions. It does not offer mortgage or P-loan products directly. All offers, benefits, and fees are governed by the terms and conditions of the respective financial institution. These terms and conditions are subject to change without notice, and some institutions may impose handling fees. Specific examples of P-loan applications are detailed within the app's terms and conditions section.