about us

What We Do

Since 2007, Apexcel Consulting has established itself as a trustworthy brand to many by consistently helping customers with their mortgage needs. In 2017, Apexcel Consulting has been given a new, fresh, trendy yet professional look, known as bSavv (pronounced as "be savvy").

Our new brand aligns with the very same values we present to our customers every day, honoring our commitment to the new brand without abandoning the old.

In bSavv, everyone of us eat, live and breathe Mortgage. Our dedicated, friendly and efficient Team of Mortgage Gurus begin everyday with a burning desire to help property owners with their mortgage needs.

bSavv provides customers with a high level of professional service by helping customers with a complete suite of services from the start to the end of the mortgage process. In addition, customers’ portfolio are also cared for internally through the use of advanced cutting edge technology. Til date, bSavv has managed thousands of customers' portfolio and we thrive in extending this consistent professional mortgage advisory service to our increasing pool of satisfied customers. Find out more about our dynamic Team below, we want to get to know you!

How We Work

Your Interest, Our Priority

Your interest savings will always be our top priority! By having a full suite of mortgage loan packages  from all of Singapore’s leading Banks and Financial Institutions, we will provide advice accordingly to your needs to save you time and maximize greater savings. 

Time is Money


Team bSavv is made up of highly efficient and competent individuals. Our Mortgage Gurus will get in touch with you promptly within 24hours after you submit your inquiry. Leave the legwork to us!

Leave the tracking to us

Worried about the interest rates or expiration dates of your mortgage loan packages? Fret not, prior to your expiration you will receive a service call from our friendly Mortgage Guru to analyze your mortgage loan and how you can maximize your savings again.

More than 12 years of experience

Our team of Mortgage Gurus eat, live and breathe mortgage. Equipped with more than 12 years of experience, we have absolute confidence in bringing you nothing but the best! Hop in for an unforgettable journey with us!

Our Team

Laurence Lau

Laurence Lau

Managing Director

With more than 12 years of extensive experience, Laurence is a pioneer in the Mortgage Advisory industry since 2007. He has been credited and is well reputed for his commitment to maintain a high level of professionalism.

Erica Sham

Erica Sham

Senior Mortgage Guru

Putting client's interest needs has always been Erica's motto. Backed with 7 years of mortgage experience, she takes pride in providing advisory coupled with client's interest in every case handled.

Rachel Ng

Rachel Ng

Mortgage Guru

Rachel has 6 years of mortgage experience whom is very familiar with mortgage processes. She takes pride in providing great service and building strong relationships with clients.

Patricia Eng

Patricia Eng

Mortgage Assistant

Patricia is our all rounder in the office and goes the extra miles for the Team to get things done. She is currently undergoing intensive training and well on her way to be a Mortgage Guru.