Secure approvals despite CTOS, CCRIS, or AKPK issues. Our experts have a 87% success rate with previously rejected cases, helping you reduce monthly commitments without upfront fees.
Access your property’s equity despite credit issues or previous rejections. We help unlock maximum cash out even with BNM’s new limitations.
Secure financing despite high DSR, CTOS, or CCRIS problems. We specialize in cases rejected by multiple banks.
Transform multiple high payments into one affordable amount. Specialized solutions for AKPK and Special Attention Account (SAA) status.
You pay absolutely nothing until after your loan is successfully approved. Our success is tied directly to yours.
Our established connections with Malaysia’s leading financial institutions give you access to better rates and faster approvals.
Even for clients previously rejected by banks, our specialized knowledge and approach achieve exceptional results.
Quick solutions when you need urgent financial assistance. Faster than standard 2-3 week timelines.
Specialized expertise in addressing properties under caveat or with money lender complications.
We analyze your CTOS, CCRIS, commitments, and rejection reasons to identify the right strategy.
Our specialists handle paperwork challenges, even with limited documentation.
We determine which institutions are most likely to approve your specific credit situation.
We present your case optimally to overcome previous rejection factors.
Our relationships with key decision-makers bypass standard rejection filters.
After four banks rejected my refinagncing due to CTOS records and high commitments, Mplus secured approval in just 7 days. They reduced my overall monthly commitments by RM2,200 despite my credit issues. Their no-upfront-fee policy gave me confidence to try one last time.
Kuala Lumpur
I had a property under caveat from a money lender and was weeks away from losing my home. Mplus negotiated with the money lender and secured refinancing to settle the debt. They saved my property and reduced my monthly payments by 35%.
Johor
Despite being AKPK listed with multiple credit card defaults, Mplus helped restructure my debts and secured a consolidation loan that reduced my monthly obligations by 40%. They provided a clear path to removing my negative credit status.
Penang
You only pay our consultation fee after your loan is successfully approved. If we don’t secure your loan approval, you don’t pay us anything – it’s that simple.
Most of our clients come to us after 3-5 rejections elsewhere. We succeed because we understand exactly how to address specific rejection reasons, restructure applications to highlight strengths rather than weaknesses, and work directly with specialized bank channels. Our 87% approval rate for previously rejected cases demonstrates our specialized expertise.
Yes, we specialize in these cases. While we can’t remove legitimate records, we can develop strategies that work around them, including identifying banks with more flexible policies for specific issues, structuring applications to emphasize compensating factors, and in some cases, helping address and resolve certain negative records.
Absolutely. We have specific strategies for high-commitment cases, including debt restructuring to reduce DSR calculations, properly documenting additional income sources, and connecting with banks that use alternative assessment methods. We’ve secured approvals for clients with commitments well above standard qualification levels.
We employ several specialized strategies, including proper loan structuring, strategic timing of personal loan settlements, and utilizing specific bank programs that provide flexibility within regulatory boundaries. Our approach is tailored to your specific financial profile to legally maximize your accessible equity.
Depending on the loan type, approvals typically take 2-3 weeks for mortgage refinancing and 3-5 days for personal loans. Our bank relationships help expedite the process.
Yes, we serve clients across all major Malaysian cities including Kuala Lumpur, Selangor, Penang, Johor, and beyond.
Contact our loan specialists today for a free, no-obligation consultation. Discover how we can help you secure the financing you need with terms that work for your situation.
Since 2010, M Plus Marketing Consultancy is a professional banking agency working closely with all Malaysian banks. We serve our clients to get their loans in an orderly manner and get approved with peace of mind.
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