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iMoney is Malaysia’s leading financial comparison platform. We have appointed FINTOS Consultancy Advice as our official Housing Loan assessment partner, to provide you with premium, personalized home loan advisory that goes beyond standard comparison. Fintos actively structures your profile to secure the best possible loan.

Transparency is our priority. Your initial assessment is free. If you choose to retain Fintos to actively manage, restructure, and secure your loan directly with the banks, a professional advisory fee will be clearly discussed and agreed upon with you upfront. For the loan itself, standard ad valorem stamp duties and reasonable professional legal fees will apply, which Fintos can often help finance through higher loan margins.

Absolutely. We evaluate each application individually. If you have faced rejections, Fintos advisors specialize in identifying the root cause and restructuring your financial profile—such as consolidating existing debts—to meet internal bank credit standards before reapplying.

Yes. Unlike traditional bank systems that might auto-reject your application, Fintos specialists review complex profiles based on their individual merits. We assist individuals facing various financial challenges and strive to formulate a workable solution or debt consolidation plan to get you approved.

Yes. Self-employed applicants can qualify if they show stable income records, consistent bank statements, and tax filings. Fintos advisors are experts at helping business owners and self-employed individuals organize and structure their documentation to satisfy strict bank assessments.

DSR is the percentage of your total monthly debt obligations relative to your net income. Most banks require a DSR below 60% to 70% to approve a home loan. A core part of the Fintos advisory service involves analyzing and optimizing your DSR to maximize your borrowing power.

Beyond the property price, buyers typically need to budget for a 10% downpayment, legal fees, stamp duties (e.g., Sale & Purchase Agreement, Loan Agreement, Transfer of Title), valuation fees, and insurance (MRTA/MLTA). Fintos advantage: We utilize an Optimised Property Valuation Strategy to secure loan margins up to 120%, potentially covering these heavy upfront costs so you can keep your cash.

The maximum tenure for a commercial bank home loan in Malaysia is generally up to 35 years, or until the borrower reaches the age of 70 (whichever comes first).

* Flexi Loan: Offers the most flexibility, allowing you to make extra payments to reduce your principal (and interest) and withdraw those extra funds anytime.

• Semi-Flexi: Allows extra payments to reduce interest, but withdrawing the extra funds may require advance notice and a processing fee.
• Term Loan: Features a fixed repayment structure with less flexibility for extra payments or withdrawals.

Conventional loans charge interest on the outstanding principal balance. Islamic home loans are Shariah-compliant and rely on profit-based contracts (like Tawarruq or Murabahah) instead of interest. Both offer similar monthly repayment amounts, but the legal document structures differ. Fintos can help you secure and compare both types.

If all required personal details and documents are complete, the initial Fintos screening and approval-in-principle can be completed in as quickly as 24 hours. Formal bank approval typically takes 3 to 7 working days for conditional approval, and up to 2 to 4 weeks for full documentation, depending on the chosen bank.

You won’t be left in the dark. We will provide continuous updates regarding your application status directly to your registered mobile phone number. You can also check in directly with your dedicated Fintos financial advisor at any time.

Maintaining a good credit history, reducing existing unsecured debt, avoiding frequent blind loan applications, and preparing complete documentation all help. The absolute best way to increase your chances is to utilize the free iMoney x Fintos screening to have an expert structure your application before the bank sees it.