Rejected by the bank? It's usually fixable.
A rejection is one bank's answer to one file — not a verdict on you. Every Malaysian bank has different criteria. We find out why it happened, fix what can be fixed, and take your case to the bank that fits your profile.
Stop applying to every bank
After a rejection, many people submit to bank after bank. Every application leaves a trace on your credit report, and a string of fresh enquiries can make the next bank more cautious. Find the reason first — then apply once, to the right bank.
The 4 reasons we see most
The bank didn't recognise your income
Self-employed, commission-based or cash businesses often earn well but can't show it the way a bank wants.
Your DSR is too high
Car loans, personal loans and credit cards push your monthly commitments past the bank's limit. Cards count at 5% of the balance.
Late payments in the last 12 months
Banks look closely at your recent repayment record in CCRIS.
Issues on your CTOS report
Unpaid PTPTN, telco bills or old legal records can sink an otherwise good file.
When others said no
Rejected by banks and agencies
A high-net-worth client with messy documentation had been turned down by multiple banks and agencies. We found the right bank and the right structure. Approved.
High income, no tax records
A successful business owner without formal tax records. We structured the application around alternative proofs of income. Approved.
Rejected, then approved
"Helped me secure a loan for my dream house even after I had already been rejected by several banks."
★★★★★ Buns L. · Google review
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.
Loan rejection FAQ
Why was my home loan rejected?
The four most common reasons are income the bank doesn't recognise, a DSR that's too high, late payments in the last 12 months, and issues on your CTOS report. Banks don't always tell you the exact reason, so we review your file to find it.
Can I apply to another bank after being rejected?
Yes — each bank has its own criteria. But fix the reason first and apply strategically; submitting to many banks at once can make the next one more cautious.
I'm self-employed and keep getting rejected. What can I do?
Banks mainly look at your income tax records for the latest 2 years, business type and years in operation. Choosing a bank whose criteria suit how you earn makes a big difference.
Will paying off my credit cards help?
Often, yes. Banks count credit cards at 5% of the outstanding balance in your DSR, so reducing the balance can free up a lot of borrowing room.
How do I check my CTOS report?
You can get it yourself through the Touch 'n Go eWallet app, or we can review it with you before your next application.
How long before I can apply again?
It depends on the reason. Some issues can be fixed in weeks; late-payment records weigh most in the latest 12 months. We'll tell you the right timing for your case.
Don't let one "no" decide for you
Tell us which bank rejected you and what they said. We'll tell you what can be fixed.
