Still paying
high instalments?
Many of our clients are quietly saving
thousands through refinance, are you?

Ms S.S. came to us through a referral, frustrated with her loan. After 11 years of repayments, she was still stuck at a 4.6% interest rate, one of the highest in the market. Most of her monthly instalment was going to interest, not principal. Her own bank wasn't offering solutions. Her DSR was tight. But we found a way: repositioned her profile, secured an RHB Full Flexi Home Loan at 3.6%. We also showed her that if she keeps paying her old instalment amount into the flexi account, she'd save another RM50k in interest and finish the loan 4 years earlier.

"If your rate is above 4%, you're likely overpaying. Let's talk."

Ms L.B. runs her own F&B business. When she first took her loan with CIMB a few years back, her business was new, documentation wasn't strong, so the bank gave her a 4.3% rate on RM1.3 million. Not great, but she had no real choice. Fast forward: her business grew. Her loan stayed the same. She went back to CIMB hoping they'd reprice it. They didn't. That's when she came to us. We used her stronger current profile to secure an OCBC package at 3.55%. We also advised her: keep paying the old instalment amount instead of the lower one. That single discipline stacks another RM146k in savings and shortens her loan by 6 years.

"Banks don't always reward loyalty. Sometimes you need someone in your corner."

Ms Keow bought her property 8 years ago with her husband. Loan outstanding: RM864k. Rate: 4.15%. She knew her rate wasn't the best in the market, but she also knew her DSR was stretched thin from car loans and credit card balances. On paper, refinancing looked impossible. Our solution: extend the tenure from 27 to 35 years, secure a better rate, free up her monthly commitment. Her instalment dropped from RM4,438 to RM3,621, freeing up RM817 every month. And here's the part we always explain: she can still choose to pay the original instalment amount. If she does, she cuts the interest back and shortens the loan. Flexibility without compromise.

"High commitment doesn't mean no options. It means you need the right strategy."