Your home loan should get cheaper over time. Most don't.
Banks rarely call to offer you a better package. If your loan is a few years old, there is a good chance you are paying more than you need to. We compare your loan against 12+ Malaysian banks and tell you honestly whether refinancing makes sense — and if it doesn't, we'll tell you to stay put.
Three things a refinance can do for you
Lower your monthly instalment
Move to a better package and keep the difference every month — often hundreds of ringgit.
Cash out from your property
Release equity based on your property's current value for renovation, investment or business. How cash-out works →
Consolidate expensive debt
Fold credit cards and personal loans into your home loan to cut monthly commitments and free up your DSR. See the numbers →
"My loan is new — can I still refinance?"
Yes. Following Bank Negara's 2025 ruling, lock-in periods no longer hold housing loans back — whether your loan is 1 year or 10 years old. The real question is whether your property's current value supports your outstanding loan.
What we check — so the bank doesn't surprise you
Property value
Checked with bank valuers using your address and size (or title, for leasehold). This decides how much you can refinance or cash out.
Your DSR
Total monthly commitments versus income. Credit cards count at 5% of the outstanding balance — not the minimum payment.
Credit record
We review your CTOS and CCRIS before submission, so payment issues are fixed before a bank ever sees them.
The whole package
Not just the rate: full vs semi flexi, interest capping, monthly charges and withdrawal terms.
What refinancing did for them
Mr Sarjit Singh — 11 years into a RM485,861 loan at 4.6%, with a tight DSR. Moved to a full flexi package at 3.6%: instalment RM2,967 → RM2,361, about RM85,139 less interest.
Mr Mohammad Qayumm — business owner, RM1.3M loan at 4.3% and his bank wouldn't review the rate. Refinanced at 3.55%: instalment RM6,551 → RM5,968, about RM217,058 less interest.
Ms Keow — RM864,000 joint loan, DSR squeezed by car loans and credit cards. Restructured tenure plus a better package: instalment RM4,438 → RM3,621, room for her next investment.
Rates shown were achieved at the time of each case. Every profile is different — we'll show you your own numbers before you decide.
From WhatsApp to disbursement
Send your loan details
Loan balance, current rate and property details — on WhatsApp.
We assess
Valuation, DSR and credit record, before anything is submitted.
Compare 12+ banks
Packages side by side, in plain numbers. You decide.
We handle the rest
Submission, lawyers and valuers — until disbursement.
Timeline: a standard refinance typically takes 2–3 weeks to approval (complex cases up to 6). Cash-out takes about 3 months for freehold and about 6 months for leasehold.
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.
Refinancing FAQ
Can I refinance if my home loan is new?
Yes. Following Bank Negara's 2025 ruling, lock-in periods no longer hold housing loans back. What matters is whether your property's current value supports your outstanding loan — we check this with bank valuers.
How do I know if refinancing is worth it?
Send us your latest loan statement. We compare your current package with what 12+ banks would offer you today. If staying put is better, we'll tell you.
What if rates drop after I refinance?
You start saving from the month you refinance; waiting for a maybe-lower rate means overpaying in the meantime. With no lock-in, we can review your loan again if rates genuinely fall.
I have car loans and credit cards. Can I still refinance?
Usually, yes. It depends on your payment record and DSR. In some cases a cash-out refinance that settles those debts is exactly the solution.
I'm self-employed. Can I refinance?
Yes, and it's one of our most common cases. Banks mainly look at your income tax records for the latest 2 years, business type and years in operation.
Up to what age can my loan tenure go?
Most banks allow up to age 70. With a joint borrower or under specific criteria, some can go to 75 or 80.
Why do you need my property address?
For valuation only. Your details are shared only with your consultant and the bank's valuers.
I need cash urgently. Is cash-out the answer?
Cash-out takes months, so it's mid-term planning rather than an emergency fix. We'll tell you honestly what fits your situation.
Find out what your bank isn't telling you
Send your loan balance and current rate. We'll tell you if there's a better deal — in plain numbers.
