Cash-out refinancing
Your home went up in value.
Put it to work.
Release cash from your property for renovation, investment, education or business, often at home-loan rates instead of personal-loan rates.
How it worksA bigger loan,
A bigger loan,
at a lower rate.
We replace your current home loan with a new, larger one based on today’s valuation. The difference is paid out to you. Some banks finance up to 90% of the current value, depending on your income and property.
- Renovate or upgrade your home
- Fund a down payment on a second property
- Pay for children’s education
- Inject capital into your business
- Clear high-interest debts in one go
- Often a lower rate than your current loan, too
How it worksOne WhatsApp.
One WhatsApp.
We do the rest.
- 01
Free review
Tell us your situation. We tell you honestly what’s possible.
- 02
Compare 12+ banks
Live packages filtered for your profile, not just the first quote.
- 03
We handle it
Documents, submission, the bank’s credit team and the legal side.
- 04
Sign
At our Sri Petaling office or at your home.
Cash-out questions
Cash-out, answered.
How much cash can I take out?
It depends on your property’s current valuation, your outstanding loan and your income. Some banks finance up to 90% of the value. We get an indicative figure before anything is submitted.
Will my monthly instalment go up?
Usually, because the loan is bigger. But if you also move to a lower rate or longer tenure, the increase can be small. We show you the before and after so you decide with real numbers.
Is there a lock-in on my current loan?
Under Bank Negara’s 2025 ruling, housing loan lock-in periods have been removed for new and existing loans. Not sure about yours? We’ll review your agreement for you.
How long does it take?
Cash-out takes longer than a normal refinance: around 3 months for freehold property and around 6 months for leasehold. It’s a mid-to-long-term cash flow plan, not a fix for urgent cash. If you need money quickly, we’ll tell you honestly what your faster options are.