Mortgage Refinancing Wizard

Current Loan Details

Loan Options

Loan Comparison Preview

Property Details

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Bank Name


Which bank is currently servicing your loan?

Which state is the property in?

Current Loan Details

If you know your current loan rates and years left, we'll be able to show you exactly how much you stand to save with the currently available loan options. Even entering approximate values will help give you a good indication.

What is your current interest rate?

I don't know my current interest rate

What is your remaining loan period (in years)?

Lock-in Period

If you are currently locked in, please check with your bank if there are any penalties for full redemption (i.e. changing to another bank)

Are you currently locked in ?

Loan Amount

Your remaining loan amount is the outstanding amount you have to pay back on your loan. (Initial Loan amount – Principal repaid)

What is your remaining loan amount ?


* greater than RM150,000, It is usually not worth refinancing if your outstanding loan amount is less than RM150,000

Loan Type

Islamic Loans are financing facilities based on Syariah principals. It is based on a buy and sell concept with a profit margin agreed upon by both parties. Rather than a conventional interest scheme, banks will "buy" the home and "sell" it back to you at the higher price with the loan premium worked in.

Islamic loans are available to Muslims and Non-Muslims

What loan type would you like? (Select at least 1)

Loan Tenure

Your Loan Tenure is the full duration of your loan. The maximum tenure is 30 years or until you turn 65, whichever is lower. Short loan tenures mean you pay less overall interest but incur higher monthly installments. Long loan tenure means you pay more overall interst but the monthly installments are lower.

Please select your Loan Tenure (years)

Fixed Rates vs Floating Rates

Fixed rates means that rates are fixed to certain values and will not change for the period of time which it is fixed for.

Floating rates can fluctuate from month to month, which implies that monthly payment amounts are subject to change.

In Malaysia, floating rate packages are usually pegged to the Base Lending Rate (BLR). BLR is a minimum interest rate calculated by financial institutions based on a formula which takes into account the institutions cost of funds and other administrative costs. Loan packages apply a discount to thr BLR rates (i.e. BLR - X%). The higher the discount lower your interest rate is.

If you expect interest rates to rise sharply over the next 1-5 years, you should consider a fixed rate package. If you expect it to fall or remain low, floating rate packages may be more advantageous. If you are not one to regularly monitor the market, fixed rates will offer you peace of mind and you can rest assured of your monthly payment amounts.

Are you interested in a fixed or floating rate package?

Flexi Loan

Some banks allow you to offset your interest by opening a current account with the same bank. By depositing some savings into this account every month, you can use the interest generated from this account to offset your mortgage interest.

Because it’s a current account, your money is not locked in and you are free to withdraw it at any time.

*Not all banks offer Flexi Loans.

Are you interested in Flexi Loan ?

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What others are saying

  • "Best service I’ve come across. Keep it up!"

    Rajendran Saravanaprakash
  • "This is a very useful home loan comparison table. Save time going to each bank and check!"

    Wee Yam Hee
  • "Good starting point and information on the various parameters - useful and easy to understand."

    Watt Wai Mei

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