Reduce your monthly payments, access your home’s equity, or secure better interest rates with Malaysia’s leading mortgage refinancing consultants. No upfront fees – pay only after successful approval.
Many homeowners struggle to access their property’s equity due to credit issues, high commitments, or the new Bank Negara Malaysia limitations on cash-out refinancing. Conventional approaches often lead to rejections, minimal cash out amounts, or unfavorable terms.
At Mplus, we specialize in complex mortgage refinancing cases that other consultants avoid. Whether you’re dealing with CTOS/CCRIS records, AKPK listing, money lender complications, or previously rejected applications, our unique approach has a 87% success rate in securing favorable terms and maximum cash out – all within 1-2 week working days.
Expert techniques to optimize your cash-out potential despite BNM's RM200K limitation and existing commitments.
Specialized approaches for securing approvals despite negative credit records or histories.
Comprehensive solutions for properties under caveat or with money lender complications
Urgent solutions for homeowners at risk of foreclosure or forced sale due to financial distress.
Targeted strategies to overcome specific reasons for previous refinancing rejections.
Comprehensive debt restructuring that lowers your overall monthly obligations, not just your mortgage payment.
Strategic application timing and structuring to access the highest possible equity within regulatory limits.
Expedited processing through specialized channels, significantly faster than standard 2-3 week timelines.
87% success rate with previously rejected applications, credit issues, and high-commitment situations.
Pay nothing until your refinancing is successfully approved – our incentive to deliver results.
Strategic options for properties facing legal complications or under threat of foreclosure.
We evaluate your complete financial profile, including credit issues, commitment ratio, property status, and previous rejection reasons.
Our specialists identify institutions most likely to approve your specific situation, focusing on banks with flexible policies for your particular challenges.
We structure your application to highlight strengths and address weaknesses, with documentation strategies that work even with limited paperwork.
We develop a strategic plan to maximize your accessible equity despite BNM limitations and existing commitments.
Applications are submitted through our specialized relationships, bypassing standard scrutiny that typically leads to rejections.
Upon approval, we guide you through settlement of existing obligations and optimal utilization of the cash-out funds.
After being rejected by five banks due to my CTOS records and 75% commitment ratio, I thought accessing my property's equity was impossible. Mplus secured approval in just 8 days despite my credit issues. They helped me get RM185,000 cash-out while actually reducing my total monthly commitments by RM2,400 through strategic debt consolidation. Their approach completely transformed my financial situation.
Kuala Lumpur
I was about to lose my home due to a money lender caveat and couldn't afford the exorbitant monthly payments. Mplus negotiated with the money lender and secured bank refinancing despite my AKPK status. They settled the high-interest debt, removed the caveat, and restructured my financing into an affordable monthly payment. They saved my property when no one else could help.
Penang
Absolutely. We have extensive experience resolving money lender caveats through specialized refinancing strategies. Our process includes negotiating with the money lender, structuring appropriate settlement terms, coordinating with banks willing to consider such situations, and handling the legal process to remove the caveat. We’ve helped numerous clients save their properties from money lender complications.
Absolutely. We have extensive experience resolving money lender caveats through specialized refinancing strategies. Our process includes negotiating with the money lender, structuring appropriate settlement terms, coordinating with banks willing to consider such situations, and handling the legal process to remove the caveat. We’ve helped numerous clients save their properties from money lender complications.
Absolutely. We have extensive experience resolving money lender caveats through specialized refinancing strategies. Our process includes negotiating with the money lender, structuring appropriate settlement terms, coordinating with banks willing to consider such situations, and handling the legal process to remove the caveat. We’ve helped numerous clients save their properties from money lender complications.
Contact our refinancing specialists today for a free, no-obligation assessment. Discover how we can help you access your property’s value despite previous rejections or credit issues.