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Refinance Agency Malaysia

A Professional Refinance Agency in Malaysia

Bluebricks is a refinancing agency offering effective loan rejected services. Our experts have the knowledge to help customers find and apply for a refinance loan that meets their needs.

What is Home Loan Refinancing in Malaysia

Home loan refinancing means paying off your current loan and replacing it with a new one. While homeowners opt for refinancing for several reasons, at Bluebricks, we’ve found that the majority seek our services with two main objectives in mind:

Debt Consolidation

Many come to us looking to consolidate their debt, finding relief in merging multiple debt payments into a single, more manageable loan.

Additional Cash Flow

Through refinancing, our clients access the financial flexibility they need to support their lifestyles or invest in opportunities.
Other common reasons for refinancing include:
Securing a lower interest rate
Shortening the mortgage term
Switching from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, or vice versa

When Is A Good Time to Refinance A Loan?

In general, refinancing a mortgage will depend on your financial goals.
Here are four situations to think about before you refinance.

Mortgage Rates Have Decreased

Mortgage rates for homeowners are ever-changing since they are affected by various factors, such as inflation and the economy.

If mortgage rates drop, you may be able to save by securing a lower interest rate than you have on your existing loan.

Your Credit Has Improved

Your credit score plays an essential part in determining your mortgage rate. The better your credit score, the lower the interest rate you will receive from your lender.

You Want A Shorter Loan Term

You can refinance your loan to a shorter loan term if you want to pay off your debt faster. Moreover, you will save money as you will be paying less in total interest.

Your Home Value Has Gone Up

If your home's value has increased, you may also benefit from refinancing. With a cash-out refinance, you can apply for a new mortgage larger than what you previously owed, and you will receive the difference in cash.

You may also consider a cash-out refinance for home improvements or to pay your medical fees.

Bluebricks’ Refinance Housing Loan Rejected Services

Homeowners with a good credit score may also find their loan applications rejected by banks. Our experts at Bluebricks provide comprehensive refinance housing loan rejected solutions to determine the reason for rejection and your next course of action.
As a trusted refinance agency in Malaysia, we assist you in resubmitting your refinance loan application for a higher chance of approval and even a larger loan amount.

Reasons Your Refinance Loan Application in Malaysia was Rejected

Banks have specific criteria to determine if an individual qualifies for a loan. If you lack in any of these areas of assessment, you may be rejected and would need to wait for another 3-6 months to resubmit your application.

It is often 10-20% lesser than the current selling price of similar homes. This is because bank valuations are traditionally conservative to protect the bank's interest.
  1. No stable income
  2. No payslips
  3. Your income did not enter your bank statement
  4. Low income earner
  5. High commitment
  6. Your company does not pay you like a normal employee (e.g., you do not have EPF or are on a contract basis)
  1. You are under the AKPK programme
  2. Blacklisted
  3. Bankruptcy
  4. Bad repayment issue
  5. Special attention accounts by banks
  6. Legal action taken by banks
  7. Legal suits
  8. Trade or credit reference
  9. Company is closing down
  10. Restructured loan
  11. Bounced cheque
  12. Suspected mule account
It’s important to note that our services are limited in certain circumstances. For instance, we are unable to assist if you are currently facing legal cases, bankruptcy, or have active summon cases.

How Can We Help

At Bluebricks, we are committed to providing clear, concise information and support to help you navigate your loan options in Malaysia. We offer a range of solutions, including:

Rejected Loan

Our loan experts analyse the reasons behind your rejection and work with you to enhance your chances of loan approval and clear any adverse records in CTOS/CCRIS.

However, this service is exclusive to those with a basic income of RM 5,000 and EPF deductions; other income types are ineligible.
Learn More

Increase Loan Amount

We assess your financial profile, providing insights on maximising your eligibility and connecting you with the right financial institutions to meet your specific needs.
Learn More

Low Interest & Fast Approval

We specialise in finding low-interest loan options coupled with fast approval processes, ensuring you get the financial support you need without unnecessary delays.
Learn More

Get In Touch With Our Loan Experts

Ready to explore your options? Fill out our form to discover how we can help you refinance your loan!
Ready to explore your options? Fill out our form to discover how we can help you refinance your loan!

Why Bluebricks?

One of the Top 10 Leading Loan Agencies in Malaysia

We act as your loan agents and represent not only individuals but also businesses. As technical financial advisors, we work with various borrowers and support you to get your loans approved. You will have access to a wide range of loans, even if banks have rejected you. Our goal is to offer advice that helps ensure your loan applications are successful and not subject to rejection.

Over 10 Years of Experience

Since 2014, we have been assisting clients in securing various types of loans, including personal, business, mortgage, and collateral loans. Our expertise extends to overcoming challenges such as CTOS/CCRIS issues, income documentation problems, and high commitment situations, offering comprehensive solutions tailored to each client's needs.

Moreover, our ten years in the field have equipped us with a deep understanding and up-to-date banking knowledge, enabling us to effectively resolve loan complications. Complex loan scenarios are our forte, ensuring we guide you towards a successful loan approval with confidence.

One-Stop Solution

We offer comprehensive loan services, acting as a one-stop solution for our clients, where we compile a variety of loan options from banks and credit houses for your consideration. All you need to do is provide us with the necessary documentation, including your income statement, assets and liabilities, employment record, and credit history. We will manage your collateral and documentation to facilitate loan approval.

Full Financing with 100% Bank Loans

We understand that financial accessibility is key, which is why we offer 100% bank loan availability. This unique opportunity is perfect if you are in need of complete financial support, providing an accessible path to your goals while also helping you build a positive credit history.

No Upfront Payment Required

We believe in easing your financial journey from the start. With our no upfront payment policy, you can embark on your investment without any initial financial strain, not only reducing your immediate burden but also reflecting our commitment to your satisfaction and trust in our services.

Related Articles

How Do You Know If You Need Loan Rejected Services?

You would not require loan rejected services if you knew how to secure or obtain the bank loans you need. However, the fact is that while many thing they know what to do, they can still have their application rejected.
There are two types of people that come to Bluebricks:

The One In Despair

The first one would be the clients in despair after having their application repeatedly rejected by the bank. They then find out about our services and come to us, hoping we will help them.

The One That Understands
The Value Of Time

The second type would be those who understand how
important time is.

They know that when their loan is rejected, they will have to wait another 3-6 months before they can submit it again.

During this delay, the time wasted is often far more expensive than the money cost.
But what if we tell you Bluebricks does not collect any upfront fees for such services? In fact, we do not collect any fees until you have secured the loan you need!

How Can Bluebricks Solve Your Loan Rejected Issues?

Step 1: Consult

We hold consultations to understand the objective of your loan and the loan amount required.

Step 2: Find Out Why

We then find out why your loan is rejected.

Step 3: Solution

Our experts will develop the best loan solution that meets your needs.

Step 4: Understand

We help you understand the entire loan process and procedures before enhancing your loan application.

Step 5: Apply

We help you submit your loan application with a bank that gives you a good credit rating and approves a higher loan sum.

Step 6: Process and Approval

We will walk you through the process after your loan is approved, including signing your bank agreements and obtaining the loan.

FAQ

Get your loan approved with Bluebricks!

Remember, it is not end of the world when you know your loan is rejected. Please don’t go to the illegal financiers or Ahlongs feeling of despair. Worst, out of desperation and believe in the loan scams.

You would then add more problems to your already difficult situation. And to solve them, you may need more time and resources.

Now, if your loan is rejected and you don’t know what to do, please fill up the forms below, and our tele-consultants would be in touch with you in 1-3 days time via Whatsapp. And would get more details of your current situation when you have time to have a tele-conversation.

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Refinance Agency – FAQs

There is no legal limit on the number of times you can refinance your home loan. The crucial factor in refinancing is the property's valuation.

If your property's value hasn't increased, refinancing might not be an option, regardless of your strong income or low debt service ratio (DSR).

Not necessarily. While maintaining a relationship with your current refinancing agency may lead to more favourable rates, it is not guaranteed.

The best methods to determine your mortgage rate is to consult multiple refinancing agents or consider different types of home loan refinancing lenders, such as banks, mortgage brokers and private lenders.

Try to speak with more than one refinance agency in Malaysia to determine your property's real rate and to ensure you get the best deal.

Getting A Bank Loan is Easier Than You Think！

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