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Mortgage Loan & Refinancing
From 3% p.a., up to 35 years, even if your last home-loan application was rejected. Better rates negotiated across 20+ banks, decisions in 3–7 days. We serve Sabah, Sarawak & overseas buyers.
Who It's For
The right rate on your biggest loan.
Whether you're buying your first home, upgrading, or paying more than you should on an existing loan, a fraction of a percent adds up over decades. We compare offers across a wide lender network and negotiate on your behalf so you don't leave savings on the table.
Talk to us if you're…
- ✓Buying a home and want the best housing loan package.
- ✓Paying a high rate on an existing home loan.
- ✓Wanting to cash out equity for renovation or investment.
- ✓Financing a shop, office or commercial property.
Home & refinancing
The home loan, negotiated for you.
A mortgage is likely the biggest commitment you'll make, so a fraction of a percent matters over decades. We compare packages across 20+ banks to find the rate, lock-in and flexibility that suit you. And if you already own, we review whether refinancing could lower your instalment or unlock cash. The goal is simple: your keys, sooner, on better terms.
Product Types
Property financing, covered.
Housing Loans
Financing to purchase your home with a competitive package.
Home Loan Refinancing
Switch to a lower rate and cut your monthly repayment.
Mortgage Refinancing
Restructure or cash out equity from your existing property.
Commercial Property
Financing for shops, offices and commercial units.
Eligibility & Documents
What determines your rate.
What banks assess
- ✓Your CCRIS record and overall credit score.
- ✓Income documents and stability of earnings.
- ✓Existing debts and your Debt Service Ratio (DSR).
- ✓The property's value and its margin of finance.
Documents to prepare
- →MyKad and latest 3–6 months of payslips.
- →EPF statement and latest tax documents (BE/EA).
- →Sale & purchase agreement or existing loan statement.
- →Property title or booking form for the purchase.
Been Turned Down?
Why home loans get rejected (and how we fix it).
Short bank record
Less than 6 months of CCRIS history. A free credit check shows exactly what to build first.
Too many loans
Existing commitments push your DSR past the bank's limit. We plan a fix, often consolidation, before applying.
Weak income docs
Cash salary or inconsistent EPF weakens your case. We show you how to document income the bank accepts.
Late payment history
Past late payments drag your score down. We diagnose it from your CTOS and route you to a bank whose policy fits.
How It Works
A clear, honest process.
Free Consultation
We gather your income, existing loan, debts & CCRIS. No cost, no obligation.
Loan Offer Analysis
We compare rates across our lender network for the best fit.
Application Process
We prepare documents and communicate with banks on your behalf.
Loan Approval
We review final terms and guide you through to disbursement & beyond.
Benefits
Why refinance with NCG.
Rate negotiation savings
Even a small rate cut can save thousands over the life of your loan. Try our refinance calculator.
Wide lender network
Access packages from 20+ banks and pick the strongest offer for you.
Tailored solutions
Whether you want a lower payment or to cash out equity, we structure it right.
Time efficiency
We handle the paperwork and follow-ups so you don't chase multiple banks.
Clear, honest advice
If refinancing won't save you money after fees, we'll tell you plainly.
One point of contact
A dedicated advisor stays with you from consultation to disbursement.
Mortgage FAQ
Questions, answered.
Refinancing usually makes sense when the new rate is meaningfully lower and you'll stay in the property long enough to recover the legal and valuation fees. Our refinance calculator gives you a quick estimate, and we'll confirm the real numbers.
Yes. If your property has appreciated, mortgage refinancing can release part of that equity as cash for renovation, investment or consolidating other debts, subject to the bank's margin of finance and your DSR.
Rates depend on your CCRIS record, income stability, existing debts, DSR and the property's value. We present your profile in the best light and negotiate across our lender network to secure a competitive package.
No. NCG is a consultancy and does not issue loans. All mortgages are provided by banks or licensed issuers. We advise you, prepare your application and negotiate on your behalf to get the best available terms.
Get Started
Check your home loan in 60 seconds.
No upfront fees. A senior advisor reviews your case and WhatsApps you back, often within minutes.
See how much you could save.
Free, no-obligation mortgage review. A senior advisor will reach out within hours.