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Home loan refinancing · Kuala Lumpur & Selangor

Refinance your home loan.
Keep the difference.

Ex-bankers compare 12+ Malaysian banks, handle the whole refinance for you, and tell you straight if it isn’t worth it.

Check my savings on WhatsAppTry the calculator

Try your own numbers

A 0.5% rate gap can
cost you a car.

Most homeowners sign once and never check their rate again. Banks don’t volunteer that better packages exist. That’s our job. On a RM1.4 million loan, moving from 4.30% to 3.55% cuts about RM600 a month, close to RM217,000 over 30 years.

You could save every monthRM0

Estimate over a 30-year tenure against a 3.55% package. Your real saving depends on your full profile, so let us run a free, exact check.

Get my real rate
Real files · names initialised

Real refinances.
Real money back.

Ms. S.S.RHB · Disbursed
RM605
saved every month · 4.6% → 3.6% · RM85,139 interest saved
11 years into her loan with a tight DSR, and her own bank had no solution. We restructured her profile and moved her to an RHB flexi loan.
Ms. L.B.OCBC · Disbursed
RM583
saved every month · 4.3% → 3.55% · RM217,058 interest saved
F&B owner whose business grew while her loan stayed at 4.3%. Her bank refused to reprice, so we used her stronger profile to secure OCBC.
Ms. KeowRestructure · Disbursed
RM817
saved every month · tenure 27 → 35 years
Car loans and cards made refinancing look impossible on paper. A longer tenure plus a lower rate dropped her instalment from RM4,438 to RM3,621.
How it works · usually 2–3 weeks

One WhatsApp.
We do the rest.

  1. 01 · 1–2 days

    Free review

    Send your latest loan statement. We tell you honestly whether refinancing benefits you.

  2. 02 · 1 day

    Compare 12+ banks

    Live packages, including our OCBC and Hong Leong Bank channels, filtered for your profile.

  3. 03 · about 1 week

    We handle it

    Submission, the bank’s credit team and the legal side. No errands for you.

  4. 04 · signing day

    Sign and save

    At our Sri Petaling office or at your home. Your lower instalment starts the next month.

Who we help

Hard cases are
what we’re best at.

Each Malaysian bank has different rules on DSR, documents, age and property type. We know which bank flexes on which situation.

  • Still paying 4% or more on an older package
  • Rejected by your own bank
  • Self-employed, or high income with thin tax records
  • Tight DSR from car loans or credit cards
  • Want cash out from your property’s value
  • Joint loans, older borrowers, non-standard paperwork
Questions clients ask on WhatsApp

Refinancing, answered.

Does my current loan have a lock-in period?
Under Bank Negara’s 2025 ruling, housing loan lock-in periods have been removed for new and existing loans, so a loan from last year or ten years ago can usually be refinanced without a lock-in penalty. Not sure about yours? Send us your loan agreement and we’ll review it for you.
I’ve been rejected by a bank before. Can you still help?
Often, yes. Banks differ on DSR limits, documents, age and property type. We look at your full situation and tell you honestly what’s possible, including which bank is most likely to approve.
Can I take cash out at the same time?
Yes. This is cash-out refinancing. Depending on your property’s current valuation and your income, some banks finance up to 90% of the value. We assess what’s realistic before submitting anything.
How long does it take?
Typically 2 to 3 weeks from first message to approval. Straightforward cases can close in 2 weeks, complex ones up to 6. We give you a realistic timeline upfront.
What do I need to get started?
Just your latest loan statement, or the basic details of your current loan. We only ask for more documents once we’ve confirmed refinancing makes sense for you.

Your money’s working.
Is your loan?

Complimentary loan review. Same-day reply on WhatsApp.

WhatsApp 017-525 4913Call us