Housing Loan

We help Malaysians secure the best housing loans with ease, providing expert guidance from our experienced housing loan & mortgage consultants in Malaysia.

Expert Housing Loan Advisor for Mortgage Solutions in Malaysia

Fin Pilot is a highly qualified mortgage consultant in Malaysia who will help you unlock the door to your dream home. Our mortgage loan consultants make the process of buying a new property or refinancing an already existing one smooth and hassle-free. Having an extensive pool of financial institutions, we will get the most suitable housing loan conditions and competitive interest rates. We will guide you through each step of the mortgage loan application process, providing peace of mind and clarity throughout.

Why Do You Need a Housing Loan Advisor?

Going through the Complex Loan Market

With many banks with diverse rates, terms and the structure of the loans, it may be difficult to decide which one suits best to your requirements. Our housing loan advisor will help you to analyze your financial situation and suggest the most appropriate loan.

Boosting Your Chances of Getting a Housing Loan

Loan issues such as poor credit, excessive debt, lack of documentation tend to make homeowners unable to get loans. Our mortgage loan consultant works to make sure that your application satisfies all the requirements and helps to raise your chances of approval.

Explaining the Terms of the Housing Loan

Mortgages may be full of complicated clauses, including undisclosed charges, different interest rates and possible fines. We assist you in deciphering these terms to ensure that you understand the financial agreement.

Fin Pilot as a housing loan advisor will learn about your own financial circumstances and objectives and provide you personalized loan solutions. We are the ones who make your homeownership or refinancing smooth and desire to get the right terms. At Fin Pilot, we provide a free consultation to help you consider your mortgage loan needs and find the best solution for you. Contact our team now and consult with the best mortgage consultant Malaysia that you can rely on.

Who We Help and How We Do It?

Need funds fast? Whether it’s debt consolidation or apply for cash loan, we guide you from credit check to approval — so you can choose the best loan with confidence.

Who Is It For?

  • Home buyers 

  • Owners looking to refinance or reduce monthly repayments

How We Help:

  • We explain the different types of housing loans (conventional, flexi, Islamic)

  • We check your credit report to avoid hidden surprises

  • We calculate your Debt Service Ratio (DSR) to see which banks suit you

  • We help you prepare the required documents and submit to multiple banks

  • We help you compare offers and pick the best one for your long-term goals

Documents You’ll Need:

  • IC front & back

  • Booking form or SPA

  • Latest 3 months payslips & bank statements

  • Latest 2 years EPF statement

  • Property details 

Got Questions? We’ve Got You Covered.

We know applying for a housing loan can feel confusing—especially with so much info (and misinformation) out there. That’s why we’ve put together this FAQ page to answer the most common questions our customers ask.

Whether you're wondering about the process, documents, eligibility, or how we protect you from scams—you’ll find all the answers right here.

Still unsure about something?

Contact us and we’ll be happy to help!

  • We are a housing loan advisor that compares different refinancing options to secure better rates and loan terms. We assist with the application process, ensuring a smooth and efficient refinancing experience.

  • Min doc required. 

    Employee : 3 months payslip and 2 years epf

    Business owner : 6 months company bank statement

  • For most mortgage loans:

    • You should have 6 months of active credit (If your salary is below RM4,000, you don’t need to have credit history)

    • No missed payments for 2 months in a row / AKPK / Special attention account with banks (unless your salary is above RM3,000)

  • Mortgage loan tenure can be up to 35 years. Final rates depend on your income, credit, and bank choice.

  • Mortgage loans usually take 3–7 working days—some even faster. We try to speed things up by preparing everything properly from the start.

Let's Talk About Your Loan Options

Got questions? Not sure if you’re eligible? Need help with your credit report? We’re just a message away.

No pressure. Just honest advice and real support.

Let’s chat and see what’s possible for you.

Talk to a loan expert