Do you want a home loan that allow you to sell your property anytime?

Do you want to service interest only for first 3 to 5 years?

If your answer “ Yes” for one of the above.

Please contact us now, we may have suitable loan package for you.

3 years Fixed Rates :

 1^st -3 year  : 4.50%

 TA : BLR – 2.20% ( with MRTA)

5 years Fixed Rates

1-5^th years : 5.00%

TA : BLR – 2.20% ( with MRTA)

10 years Fixed Rates :

1-10^th years : 5.85%

TA : BLR – 2.20% ( with MRTA)

Property value must be RM300,000 and above.

Subject to Terms and Conditions apply.

For more information, please contact us now.

BLR – 2.20% whole tenure

Subject to Terms and Conditions apply.

For more information, please contact us now.

Lockin 3 years

BLR – 1.50% whole tenure

No Lockin

Subject to Terms and Conditions apply.

For more information, please contact us now.

1^st 3 years : 4.15%

Thereafther BLR – 1.90%

Lockin 3 years

Subject to Terms and Conditions apply.

For more information, please contact us now.

For Loan amount above RM300,000:

BLR – 2.30% whole tenure

Lockin 5 years

Subject to Terms and Conditions apply.

For more information, please contact us now.

Finally a wholesome home loan package with reference rates that you can easily understand and won’t keep you guessing!

Where every sen counts, it pays to understand your home loan reference rates. Compared to BLR rates which are continuously changing and unpredictable, this new first-of-its-kind Home Loan Fixed Deposit (HLFD) option offers you a more transparent and stable reference rate, allowing you to plan your finances better. Designed with your best interests in mind, the innovative HLFD package features interest rates that are pegged against Bank’s prevailing 12-months Fixed Deposit Rate (FDR)* along with our classic value added benefits listed below for banking solutions that are simple, convenience and delivering value. 

* 12-month FDR is currently at 3.0% per annum.

Type of Financing
Purchase and refinancing of completed residential properties costing RM200,000 and above.

Competitive Interest Rates
Up to FDR + 1.25% per annum.

High Margin of Financing
up to 90% (+5%).

Flexible Financing Options
You can opt for :
                Housing loan and/or term loan.
                Housing loan or term loan with flexi features.

Longer Loan Tenor
30 years or up to age of 70, whichever is earlier.

Subject to Terms and Conditions apply.

For more information, please contact us now.

Special housing loan usually for loan less than RM100,000 and customer must full fill  certain criteria with the bank.

Interest rates offer :

BLR – 1.80% whole tenure.

Subject to Terms and Conditions apply.

For more information, please contact us now.

Given the costly property prices and the huge amount of upfront capital involved, some people, especially first time homebuyers, may find co-ownership a more viable route to take. Of course when you are on the same wavelength, this can work out amicably.

Co-owning allows us to leverage on our co-owner’s income to qualify for housing loan. It also allows us to raise a higher down payment so that we are able to buy bigger or more sough-after property. Rather than putting your individual name on the property, a better way to co-own a property is to set up a company. However, it is preferable a Sdn Bhd company. You may want to consider other cost incurred by setting up a Sdn Bhd company such as secretarial and company fees and tax implications as well.

Ensure that your co-owner is somebody you know very well too. Banks are fickle about who you share your property with. You must have a close relationship with the person. They could be your siblings, spouse, children, mother and father. Banks rarely give out loans to friends because there are no ties. However, most banks still acceptable fiancé or fiancée relationship. Even though, there are cases in the past, when everything turn sour, the settlement can end badly.

One party not selling and paying for the installment, while another party keep paying to avoid property being auction or his/her name ended in bank’s poor record. According, to banks experience the obligation to service loan commitment weaker when someone  co-owns properties with friends, girlfriends, boyfriends and business partners. It is less risky, if you co-own the property with immediate family members and if it is your own use because you are more obliged to assist each other.

Co-owner allows you to share the liabilities and ownership of the property equally. This mean, your liabilities towards the loans will be calculated partially. It will reduce the debt service ratio (DSR). DSR is use in banks for calculating customer total commitment with the new loan on board. It is very important for customer to remain within bank guidelines. If the DSR is too high, customer loan amount may be reduced or bank may suggest for co-borrower in the application.

Choose wisely when you are looking for co-owner because it can help you or vice versa.

Last few weeks, it’s such a overwhelming experience. We met a lot of people and new enquiries keep throwing in. All of you are amazing, we received tremendous email and comments to our website.

To our clients who had accept their housing loan with us , we would like to thank you for believing in us. For some of you, who had applied your housing loan with us, you are going through a special journey with us.

We can’t thank you enough. Please keep supporting us and we will keep going.

Have a nice day & Happy Merdeka Day!

Warmest Regards,

Melissa & David