Mortgage Loan
Mortgage Loans
Securing your dream home requires a trusted partner who understands the property market. Our Mortgage Loan service offers the right mix of financing and expert guidance to support this important life investment.
We provide tailored loan packages with competitive rates for new or sub-sale property purchases, as well as refinancing options. Our mortgage specialists ensure a transparent process, offering professional advice so you feel confident and informed every step of the way.
How do you apply
For a Mortgage Loan online?
Step 1
Share your goals and let us get to know you.
Step 2
Complete our comprehensive screening to build your financial profile.
Step 3
Once we understand your affordability and objectives, we’ll guide you to the right mortgage solution.
FAQs
Mortgage Loans in Malaysia
Update: Since July 2025, Malaysia’s Standardised Base Rate (SBR) is set at 2.75%, and mortgage interest rates are calculated as this rate plus a bank’s specific spread. For example, a loan might have an Effective Lending Rate (ELR) of SBR + 1.75%, which equals 4.50% per annum. Indicative rates for a standard RM350,000 home loan range from 3.90% to 4.70%, depending on the bank and loan product.
Buying a home is likely the biggest purchase and financial commitment of your life. Your home loan may be your largest household expense, so it’s important to understand how it works. This short guide explains the key things you need to know before applying for a mortgage.
If you already have a housing loan in Malaysia and wish to switch to another product or lender without changing homes, the process is known as refinancing.
In Malaysia, housing loan interest rates are based on the Base Rate (BR). For example, if the BR is 4.00%, a loan with BR + 0.45% will have an interest rate of 4.45%.
You can compare rates and apply through the home loan calculator above.
Monthly repayments include both interest and principal — at first, you pay more interest, but over time, more goes toward repaying the principal.
Base Rate (BR):
The reference rate used by banks to set interest rates for loans. If the BR goes up or down, floating loan rates change by the same amount.
Down Payment:
The initial upfront payment for a house, car, or other high-value item. For example, a 10% down payment on a RM500,000 house is RM50,000.
Foreclosure:
When a borrower fails to make repayments, the bank may repossess and sell the property to recover the outstanding loan amount.
Mortgage:
A loan agreement where your property is used as security for the loan you take to buy it.
Loan Tenure:
The repayment period of a loan. For example, a 30-year tenure means the loan is repaid over 30 years.
Mortgage Reducing Term Assurance (MRTA):
A mortgage insurance policy that covers your home loan in case of death or total permanent disability. The coverage reduces over time along with your loan balance.
Prepayment:
When you partially or fully repay your home loan before it’s due.
The banks shown in the comparison table offer both Islamic and conventional loan options.
Islamic loans are Shariah-compliant, meaning they avoid traditional interest-based lending.
Instead, they are based on the shared ownership of assets, where profit and risk are distributed between the bank and the borrower.
You may consider refinancing your mortgage if another bank offers a lower interest rate.
Simply submit your application, and our mortgage consultants will contact you to explain the details.
Margin of Financing (Loan-to-Value Ratio):
The loan amount expressed as a percentage of the property’s value.
- A lower margin means more equity in the property.
- Can go up to 95%, depending on:
- Property type and location
- Borrower’s age and income
Early Termination Penalty:
Some lenders charge a penalty if the loan is partially or fully repaid within a certain period, known as the lock-in period. This can also apply if you refinance your loan.
Fees & Charges:
Mortgages may include additional costs such as:
- Stamp Duties:
- Sale & Purchase Agreement: 0.5%–1.0%
- Loan Agreement: 0.5%
- Transfer of Title: 1.0%–2.0%
- Disbursement Fees: Varies by state and property type
- Processing Fees: One-time fee charged by lenders (usually a few hundred ringgit)