Wealthy (Far East) Limited is a licensed money lender under the Money Lenders Ordinance (Cap. 163), holding Money Lender's Licence No. 634/2026. We lend our own funds to individuals and companies, chiefly against Hong Kong property and for defined business purposes.
We deal with every borrower directly from our office in Chinachem Tower, Connaught Road Central. There are no agents, no fees before drawdown, and no terms that are not written into the loan agreement.
Our lending is assessed case by case. For a secured loan we look first at the property: its value, its title, and any existing mortgage. For any loan we look at how it will be repaid. A loan that cannot be repaid from identifiable income or a defined exit is not one we make.
Every offer is given in writing. It states the principal, the term, the effective annual interest rate, the repayment schedule, the security, and every fee, including the borrower's legal and valuation costs where they apply. A borrower is under no obligation until the agreement is signed.
| Facility | Purpose | Security and repayment |
|---|---|---|
| First mortgage loansResidential · commercial | Purchase finance, equity release or refinancing for owners of Hong Kong property. | Legal charge over the property after independent valuation; repaid by monthly instalments. |
| Second mortgage loansSubject to first lender | Additional funds against equity above an existing mortgage. | Second legal charge; the first mortgagee's consent may be required. Repaid by instalments. |
| Bridging loansShort term | Funding between a property purchase and a sale, or pending bank finance. | Secured on property, with a documented exit; interest and term stated in full. |
| Business loansCompanies · proprietors | Working capital and defined business purposes for Hong Kong enterprises. | Assessed on accounts and cash flow; guarantees and any security explained before signing. |
The loan-to-value ratio (LTV) compares all borrowing secured on a property with its value. The higher the ratio, the less equity protects you if property prices fall. Use the tool to see where a proposed loan would leave you.
The figures are illustrative only. Any actual loan depends on an independent valuation, a title search and the assessment of your ability to repay.
A loan secured on property places that property at risk if repayments are not made.
An effective rate above 48% a year is a criminal offence, and the agreement is unenforceable.
Above 36% a year a rate is presumed extortionate and the court may reopen the loan.
The signed agreement must be in writing, and the borrower receives a copy within 7 days.
We take no payment of any kind before a loan is made, and we pay no intermediaries.
Criminals impersonate licensed lenders, sometimes using real company names and licence numbers, to collect "deposits", "guarantee fees" or bank details. Wealthy (Far East) Limited never asks for money in advance, never asks for passwords or one-time codes, and does not act through any agent. Before dealing with any lender, verify it in the Companies Registry's register of money lenders, and contact the office at the address shown there. Report suspected fraud to the Hong Kong Police.
Contact our office and describe the purpose, amount and security.
Identity, income or company accounts, and title documents for any property.
Independent valuation and title search for secured loans.
Full terms in writing, including the effective annual rate and all costs.
Signing, legal charge where applicable, and payment to the borrower's own account.
Search "Wealthy (Far East) Limited" or "匯裕(遠東)有限公司" in the Companies Registry's published list of money lenders licensees. Our licence number is 634/2026.
No. We are a licensed money lender, not an authorized institution under the Banking Ordinance, and we do not take deposits from the public.
Business loans may be considered on the strength of accounts and guarantees. Each case is assessed individually and approval is never guaranteed.
Where a borrower bears these costs, they are stated in the written offer before you proceed, never collected in advance by us.
This website relates only to Wealthy (Far East) Limited, Licence No. 634/2026. Companies with similar names in Hong Kong or elsewhere are separate entities.
Contact us at once. We will set out the position in writing. Collection is conducted lawfully and without harassment.