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Free Mortgage Preliminary Assessment Service

For better financial planning, you can get a free pre-assessment of the loan amount available to you before buying your property, as an indication of what you can afford.

  • We offer Mortgage loans of up to 90% of the property value

Simply submit the mortgage application and provide the required documents.

To borrow or not to borrow? Borrow only if you can repay!

Terms and Conditions


General Terms and Conditions:
  1. Standard Chartered Bank (Hong Kong) Limited (the "Bank") reserves the right to terminate the promotion set out below ("Promotions", any one of them a "Promotion") and to vary or modify any of the terms and conditions from time to time without prior notice. In case of disputes, the Bank’s decision shall be final and binding.
  2. Approval of any mortgage loan product relevant to the Promotions and the reward of coupon as outlined in this material to eligible customer are subject to the absolutely discretion of the Bank and the Bank has no obligation to provide reasons for rejection.
  3. Please refer to the relevant promotional leaflet, letter, and application form(s) or contact our branch staff for further details on the mortgage loan product and/or Promotions.
  4. If there is any inconsistency between the English and Chinese versions, the English version shall prevail.

Terms & Conditions for Free Mortgage Preliminary Assessment Service
  1. To be eligible for the Free Mortgage Preliminary Assessment Service, client must submit mortgage application with relevant documents in between 1 January 2018 and 30 June 2018 (both dates inclusive). For details, please contact our branch staff.
  2. The actual turnaround time required for assessing the mortgage application may vary depending on the circumstances of each application. Assessment of the mortgage loan is subject to the decision of the Bank and the Bank has no obligation to provide reasons.
  3. Upon completion of the Mortgage Preliminary Assessment Service, the Bank will issue a Confirmation Certificate(“Confirmation Certificate”). Client is required to submit a Formal Sale and Purchase Agreement and relevant documents (if any) within 1 month from the issuance date of the Confirmation Certificate for further verification.
  4. The result of the Mortgage Preliminary Assessment Service is only applicable to the property which address is printed in the Confirmation Certificate. If the property to be mortgaged is changed, client is required to submit another individual application for the Mortgage Preliminary Assessment Service.
  5. The Mortgage Preliminary Assessment Service result is for reference only and should not be regarded as a formal mortgage loan approval from the Bank or a representation from the Bank that a formal approval will be granted. Further assessment will be conducted according to the Bank’s prevailing policies. The mortgage loan application is subject to formal approval of the Bank.
  6. The Mortgage Preliminary Assessment Service result is derived from the financial, property and loan information provided by client(s) in the Mortgage Loan Service Application and the credit check results from TU on unsecured loan records. The Bank will proceed to assess the income proof and other relevant documents provided, conduct credit check on the mortgage loan count with TU, conduct property inspection and full valuation reports (if applicable). The formal approval result will be advised in due course.
  7. For details of the Mortgage Preliminary Assessment Service and relevant terms and conditions, please contact our branch staff.
  8. The approval of the Mortgage Preliminary Assessment Service is subject to the decision of the Bank which shall be final and conclusive.
  9. The above offers are subject to relevant terms and conditions including but not limited to the above terms and conditions and the terms and conditions specified in the Confirmation Certificate. Please contact our branch staff for details.

Up to 90% Mortgage Plan

Get a mortgage loan of up to 90% of the property value, which makes a wider range of properties affordable.

Learn more »