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A clear, honest process. No surprises.
From first hello to disbursement, you always know what happens next, and what it costs (nothing upfront).
Our 4-Step Process
Simple, guided, transparent.
Free Consultation
We review your CCRIS/CTOS (with consent) to see where you stand. Free, no obligation.
Compare Offers
We match you across 20+ banks and shortlist the best fit for your profile.
We Handle It
We prepare your documents and deal with the bank for you, updating you along the way.
Approval
Once approved, we review the terms with you and stay on hand for the future.
Timeline expectations
Many personal and SME facilities reach a decision within a few working days of complete documents; mortgages typically take longer. We give you a realistic timeline up front, no vague promises.
Fees & transparency
The consultation is free with no obligation. We never ask for upfront fees or your banking passwords. If anyone claiming to be NCG does, it isn't us. Any service fee, where applicable, is disclosed clearly beforehand.
Get ready
What you'll need.
Identity
MyKad (front & back). For businesses: SSM registration.
Income
3–6 months payslips or bank statements; EPF/EA form if available.
Commitments
A list of existing loans / cards so we can assess your DSR accurately.
Ready when you are.
Start with a free consultation. No obligation, no upfront fees.