Be the first to enjoy a market-first with DBS’ One-minute Instant Approval*. A simpler step to get a mortgage or refinance. Within 60 seconds, your mortgage approval result will be generated based on your personal information, real time credit bureau checking# and property valuation. Getting a mortgage is so easy!

* After you click “Confirm” and submit the mortgage application, it takes around 1 minute to generate the approval result. Once the information is validated against your submitted documents, the One-minute Instant Approval result will be final and conclusive, getting you to own your new home sooner.

# Applicants are required to declare information of existing mortgage (if any) which will be considered for One-minute Instant Approval.

 

Apply Now Key Facts Statement

 

Benefits

One-minute Instant Approval.

Access your mortgage application result anytime and anywhere through our revolutionary virtual mortgage service.

It takes approximately 10 minutes^ to complete the online application to receive your mortgage result, which is based on a number of factors such as information provided, real time credit bureau checking and property valuation.

^ According to our usability test, most participants completed the application in about 10 mins. The actual application time varies from person to person.


We understand the importance of giving you flexibility even when filling out a simple form. You can save your progress and return to the form to complete your submission when convenient for you.

Cyber Security is a top priority of DBS. We implement multi-layered security to safeguard your personal data.
 

DBS Treasures Exclusive Promotion

DBS Treasures

New or existing DBS Treasures customers can enjoy privileged benefits for a successful mortgage online application:

  • HK$2,000 cash reward upon a successful drawdown of the online mortgage for new or existing DBS Treasures customers.
  • Also, DBS Treasures customers can receive privileged interest rates and a cash rebate.

Terms and conditions apply. For details, please click here.

Interested to join DBS Treasures? Please click here to obtain more information about DBS Treasures and the latest welcome offer.

 

Application Flow

Step 1: Click “Start a new application” and select your application type;
Step 2: Input your basic personal information to create your own profile and receive your unique reference number by SMS;
Step 3: Enter other application details (including income/property information/mortgage details/financials details) for mortgage application assessment.
Step 4: Review and confirm your application summary;
Step 5: Submit your application and instant credit bureau checking and property valuation will be processed immediately by the system.
Step 6: Your One-minute Instant Approval result will be generated, and a confirmation email and SMS will be sent to you;
Step 7: Our DBS Home Advice Specialist will contact you within 1 business day to provide a tailored mortgage package and help you submit the required documents for final approval.

Step 1: Click “Start a new application” and select your application type;
Step 2: Input your basic personal information to create your own profile and receive your unique reference number by SMS;
Step 3: Enter other application details (including income/property information/mortgage details/financials details) for mortgage application assessment.
Step 4: Review and confirm your application summary;
Step 5: Submit your application and instant credit bureau checking and property valuation will be processed immediately by the system.
Step 6: Your One-minute Instant Approval result will be generated, and a confirmation email and SMS will be sent to you;
Step 7: Our DBS Home Advice Specialist will contact you within 1 business day to provide a tailored mortgage package and help you submit the required documents for final approval.


 

(If you have dropped off your application before submitting the application, please refer to the steps below to resume your application)

Step 1: Go to the homepage and select “Continue Application” and your previous Application Type;
Step 2: Input your HKID number and reference number sent by SMS for validation;
Step 3: Authenticate with a One-Time Password sent by SMS;
Step 4: The page will lead you to where you dropped off (e.g. inputting financial information) and continue your application;
Step 5: Thereafter, the process will be the same as the Application Flow A for Starting a New Application.

Step 1: Go to the homepage and select “Continue Application” and your previous Application Type;
Step 2: Input your HKID number and reference number sent by SMS for validation;
Step 3: Authenticate with a One-Time Password sent by SMS;
Step 4: The page will lead you to where you dropped off (e.g. inputting financial information) and continue your application;
Step 5: Thereafter, the process will be the same as the Application Flow A for Starting a New Application.


 

(Remark: For a joint application, details of each applicant should be submitted one by one separately, rather than submitted together at the same time)

Step 1: For the primary applicant (i.e. the first borrower who initiates the application), the application procedure will be the same as the Application Flow for Starting a New Application except the “Number of Applicants” will be more than one;
Step 2: The primary applicant copies and shares the reference number and hyperlink with other applicants (i.e. joint borrower or guarantor) after he/she finishes his/her part of the application;
Step 3: Joint borrowers/guarantors click the hyperlink,then select “Continue Application” and the corresponding application type to continue their part of the application;
Step 4: Joint borrowers/guarantors input their HKID together with the reference number shared by the primary applicant to validate and continue the joint application;
Step 5: Joint borrowers/guarantors continue to input their data for the mortgage application, the process of which is similar to the Application Flow for Starting a New Application;
Step 6: After the last applicant has completed his/her part of the application, One-minute Instant Approval will be processed, and all applicants will receive a confirmation email and SMS with the One-minute Instant Approval result.

Step 1: For the primary applicant (i.e. the first borrower who initiates the application), the application procedure will be the same as the Application Flow for Starting a New Application except the “Number of Applicants” will be more than one;
Step 2: The primary applicant copies and shares the reference number and hyperlink with other applicants (i.e. joint borrower or guarantor) after he/she finishes his/her part of the application;
Step 3: Joint borrowers/guarantors click the hyperlink,then select “Continue Application” and the corresponding application type to continue their part of the application;
Step 4: Joint borrowers/guarantors input their HKID together with the reference number shared by the primary applicant to validate and continue the joint application;
Step 5: Joint borrowers/guarantors continue to input their data for the mortgage application, the process of which is similar to the Application Flow for Starting a New Application;
Step 6: After the last applicant has completed his/her part of the application, One-minute Instant Approval will be processed, and all applicants will receive a confirmation email and SMS with the One-minute Instant Approval result.

 

Frequently Asked Questions

To access DBS One-minute Instant Approval through DBS Home360, all you need is to simply download DBS Home360 from the Apple App Store or Google Play Store to gain access.

Download DBS Home360 now

To access DBS One-minute Instant Approval through the DBS Website, please click here or visit https://www.hk.dbs.com/mortgage/start/en and apply.


One-minute Instant Approval is a free-of-charge service provided by DBS.

We regret that the DBS One-minute Instant Approval does not support corporate mortgage application, however, if you would like to apply for a corporate mortgage, please click here to make an e-appointment with our Home Advice Specialists or call our DBS Mortgage Direct Hotline on 2961 2288 during office hours.

  • Monday – Friday: 9 a.m. – 6 p.m.
  • Saturday: 9 a.m. – 1 p.m.

If the e-appointment or “Need Help” inquiry is submitted before 6pm on a business day, our Home Advice Specialist will contact you within 1 business day to assist you. However, if any e-appointment or “Need Help” inquiry is submitted after 6pm of a business day, it will be counted as submission on next business day and our Home Advice Specialist will contact you within 2 business days.

Your personal information (including but not limited to your personal contact, personal income, financial situation and personal credit information) input in the application form will be collected for the One-minute Instant Approval and for our Home Advice Specialist to follow up with you. Your name, phone number and email address will be collected when you schedule an appointment through the Mortgage e-appointment. We will not share the above information with any third party or send you any unsolicited calls and/or emails.


There can be a maximum of 5 joint applicants in a single application through DBS DigiMortgage, and joint applicants can select their respective capacities (borrower and mortgagor/guarantor) under the application, provided that the primary applicant must act as the borrower and mortgagor.

If you would like to apply for a mortgage with more than 5 joint-applicants, please click here to make an e-appointment with our Home Advice Specialists or call our DBS Mortgage Direct Hotline on 2961 2288 during office hours.

  • Monday – Friday: 9am to 6pm
  • Saturday: 9 am to 1pm

If you log out during the application process, you can resume your application with your HKID number and the reference number sent to you by SMS. Please refer to the Application Flow for Continuing your Unfinished Application for more details.   


Apart from considering the property’s age and the applicant’s age, income and financial situation, instant credit bureau checking and property valuation will be performed for the mortgage application assessment.


One-minute Instant Approval result is granted based on the information provided by you, your credit bureau checking and subject property valuation from the surveyor. However, information provided is required to be validated against necessary documents. Hence, the Final Approval result may vary from the One-minute Instant Approval. DBS reserves the right for a final decision of approval.

Customers should not make any financial decision based on the One-minute Instant Approval result. DBS will not be responsible or liable for any financial loss to the customer. The decision of DBS on all matters relating to the mortgage application is final and no appeal or correspondence will be entertained.


Yes, documents are required for validation of your identity, income and other information input in the DBS DigiMortgage One-minute Instant Approval Application Form. Please click here for more details of the required documents for your mortgage application.

You may click here to learn more about the security tips on how to protect your personal and financial information.

Contact Us

  • Make an e-appointment with Our Home Advice Specialists now
    e-appointment
  • Call DBS Mortgage Direct Hotline on 2961 2288

 

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

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