Get the loan right before you sign anything.
Your home loan will outlast your car, your phone and probably your job. We check what you can really borrow, compare 12+ Malaysian banks and guide you from booking to keys — whether it's your first home or your fifth.
5 mistakes we see first-time buyers make
Paying the booking fee before checking the loan
If the loan doesn't come through, the deposit can be lost. Check your eligibility first — it takes one conversation.
Choosing the package on rate alone
Flexi vs term loan, interest capping, monthly charges and withdrawal terms can matter as much as the rate.
Not knowing what can be waived or financed
Some fees can be financed into the loan or reduced. Many buyers pay upfront without asking.
Being packaged with the wrong insurance
Loan protection should fit you — not the seller's target. Understand what you're signing up for.
Giving up after one rejection
Each bank has different criteria. A rejection from one bank is not a verdict on you.
How much of the property can be financed?
Standard margin of finance for most buyers, subject to your profile and the bank.
Legal & valuation fees
These can often be financed into the loan too, so less cash leaves your pocket on day one.
Short on downpayment or legal fees?
We have structured solutions for buyers in this position, within bank guidelines. Talk to us before you give up on the property.
Not just first-timers
Upgraders & investors
Planning your next property? We structure loans and DSR across multiple properties so one purchase doesn't block the next.
Self-employed & business owners
Banks focus on your income tax records for the latest 2 years, business type and years in operation. This is one of our most common cases.
Foreigners & expats
Margins depend on where your income comes from. See the foreign buyer guide →
"Tip top service, helped me saved alot of money with my first housing purchase. Literally guided me from start to finish, and very patient with a newbie with minimal mortgage knowledge like me."
★★★★★ Bernie · Google review
"They were very helpful throughout the process and helped me secure a loan for my dream house even after I had already been rejected by several banks."
★★★★★ Buns L. · Google review
From first question to keys
Check eligibility first
Income, commitments and credit record — before you pay any booking fee.
Compare 12+ banks
Packages side by side, in plain numbers. You choose.
Prepare a clean file
IC, payslips, EPF statement, bank statements and existing loan statements — checked before submission.
We follow through
Bank, lawyers and valuers — until disbursement.
Not your usual loan agent
Most loan agents only look at the loan. We're bank-trained and financial planner-certified, so we look at your whole financial picture — and hold ourselves to that standard.
Registered Financial Planner
RFP-certified under the Malaysian Financial Planning Council programme — trained to plan, not just to sell.
Bank-trained
Banking experience at Maybank and Standard Chartered. We know how credit officers assess your file.
Finance & Investment degree
Formal training in finance and investment behind every recommendation.
Whole-picture advice
Qualified across insurance, unit trusts and estate planning — so your loan fits your protection, investments and long-term plans.
Home loan FAQ
How much home loan can I get in Malaysia?
It depends mainly on your DSR — your total monthly commitments divided by your income — and your payment record. Most buyers can get up to 90% of the property price. Send us your income and commitments and we'll work out your range.
Can legal and valuation fees be financed?
Often, yes — they can be added to the loan, subject to the bank and your profile.
I don't have enough for the downpayment or legal fees. Can you help?
We have structured solutions for buyers in this position, within bank guidelines. Talk to us before you commit or walk away.
I was rejected by a bank. Can I still buy?
Usually. Banks have different criteria, and the reason for the rejection can often be fixed. We find out why first, then choose the right bank.
I'm self-employed. What do banks look at?
Mainly your income tax records for the latest 2 years, your business type (sole proprietor or Sdn Bhd), shareholding and years in operation.
What documents do I need?
Typically your IC, payslips, EPF statement, bank statements and any existing loan statements. Self-employed buyers also need business and tax documents.
Up to what age can my loan run?
Most banks allow up to age 70. With a joint borrower or under specific criteria, some go to 75 or 80.
When should I talk to you?
Before you pay the booking fee or sign the sale and purchase agreement. Knowing what you can borrow first protects your deposit.
Know your numbers before you book
Tell us the property price and your income. We'll tell you what's realistic.
