Refinancing Home Loans With High Commitment:
When and How
Secure Better Loan Terms Without Extra Stress!
Are you struggling with high monthly payments on your home loan? Feeling trapped by multiple loans and rising interest rates?
At Bluebricks, we help homeowners reduce financial burdens, lower monthly payments, and secure better refinancing options—even if your financial commitments seem overwhelming.
What Makes Bluebricks Different?
- Licensed brokerage partner
- No upfront fees
- Tailored solutions
- Fast processing
- Expert loan resubmissions
We Understand Your Concerns About Refinancing
Worried about high monthly loan payments?
Are your home loan repayments too expensive? We help lower your monthly payments by extending loan tenure or negotiating better interest rates.
Rejected by banks due to high debt commitments?
A high Debt Service Ratio (DSR) can make it harder to refinance. As a licensed brokerage partner, we work with banks that accept borrowers with high DSR and help restructure your loans for approval.
Confused about hidden refinancing costs?
We provide 100% transparency—no surprise charges, no upfront fees. You’ll know exactly what you’re paying for before signing anything.
Uncertain if now is the right time to refinance?
We analyse market interest rates, your loan terms, and financial goals to determine if refinancing will benefit you.
Who Should Consider Refinancing?
You’re a Good Fit If You:
- Want to lower your monthly home loan payments.
- Need to consolidate multiple debts into one structured loan.
- Were rejected by banks but still need refinancing options.
- Have high financial commitments and need a tailored loan restructuring.
- Want to tap into home equity to settle other debts or increase cash flow.
Refinancing May Not Be for You If You:
- Are currently declared bankrupt or have ongoing legal action.
- Haven’t seen your property value increase by 100% (E.g. you bought a property at RM500,000, and now it is currently worth RM1 million).
- Have owned the property for less than 10 years.
- Are not ready to pay any consultation fees upon successful loan approval.
- Don’t meet basic income requirements (minimum RM3,000 with EPF deduction).
Testimonials
What our clients have to say:
Why Now Is the Right Time to Refinance Your High Commitment Loan
Interest Rates Are Dropping
Even a 1% lower interest rate can save you thousands over the loan tenure.
Lower Monthly Payments for Better Cash Flow
We extend your loan tenure strategically to reduce your monthly commitments while keeping interest costs low.
Access Extra Cash for Other Financial Needs
If your property value has increased, a cash-out refinance allows you to free up funds to settle debts or invest elsewhere.
Consolidate Multiple Loans into One Payment
Refinancing lets you combine personal loans, credit cards, and home loans into a single, structured repayment with a lower interest rate.
How Bluebricks Helps You Refinance Successfully
We Review Your Loan and Financial Situation
• Identify reasons for previous loan rejections (if any).
• Check your DSR, credit score, and financial eligibility.
We Find the Best Refinancing Options for You
• Identify alternatives beyond traditional banks for high DSR borrowers.
We Help Lower Your Financial Commitments
• Improve your credit score by clearing issues in your CTOS/CCRIS reports.
• Negotiate better refinancing terms to secure the lowest possible interest rates.
We Handle the Entire Refinancing Process for You
• Submit your application to the best bank for your situation.
• Guide you through the approval and loan disbursement process.
How We Solve Your Loan Rejection Problems
We analyse why you were rejected and fix the issue before resubmitting your loan. We work with alternative options for you.
Many banks reject refinancing applications due to:
- High DSR (above 70%)
- Unstable income records
- Poor credit history (blacklist records, late payments, SAA, AKPK, trade reference)
- Insufficient supporting documents
No Upfront Fees, Only Results
Unlike scammers who demand upfront fees with overpromising proposals, we only charge a transparent fee after your loan is successfully secured.
What Clients Love About Bluebricks
As a licensed brokerage partner, Bluebricks acts as your intermediary, connecting you with banks (not as a direct lender). Here are some of the reasons why our customers appreciate our service:
No Upfront Fees – You Pay Us Only After Approval
Most banks and consultants charge processing fees upfront. We don’t. You only pay after your refinancing is successfully secured.
Fast and Transparent Process
We provide a comprehensive refinancing proposal within three to five days so you know all your options before making a decision.
Tailored Loan Solutions
Unlike generic refinancing agencies, we customise every plan to match your financial goals and current commitments.
Access to Multiple Banks and Financial Institutions
We don’t push a one-size-fits-all solution. Instead, we find the right bank that suits your financial profile.
Transparent Service Fees
At Bluebricks, we ensure full clarity in our fee structure:
- No Upfront Costs: You pay nothing until your refinancing is approved.
- Service Fee Range: Our fee is 10%-30% of the approved loan amount, tailored to your situation (e.g., credit score, DSR, or AKPK involvement).
- Payment Timing: Fees are charged only after your refinanced loan is disbursed.
Take Action: Get Your Refinancing Plan Today
- Lower your monthly payments
- Secure better interest rates
- Consolidate your debts into one simple loan
- Get cash out for extra financial flexibility
- Fix your loan rejection problems and get approved
Case Study
Wilson Wai Kit
Financial Advisor
With extensive banking experience, notably as a mortgage sales officer at UOB Bank, Wilson leverages his understanding of loan applications and approvals to offer financial insights and support to empower individuals to make informed decisions regarding their financial futures. Feel free to contact him for assistance with your financial needs!
Feel free to contact him for assistance with your financial needs!
Karl
Financial Advisor
Karl has a background in banking and real estate, with roles ranging from Mortgage Officer at UOB Bank to Director at Vestcom Realty. He’s skilled in managing mortgage loans and real estate projects and works closely with bank officers, money lenders, and lawyers to solve clients’ loan issues.
Karl is currently a key contributor to business loan development at Bluebricks.
Refinancing High Commitment Home Loans - FAQ
Yes, but approval depends on your Debt Service Ratio (DSR), credit score, and income stability. If your DSR is too high, you may need to reduce debts or increase income before applying. Bluebricks specialises in finding refinancing solutions for borrowers with high commitments.
Most banks prefer a DSR below 60%, meaning your monthly debt payments shouldn’t exceed half of your income. If your DSR is higher, you can improve approval chances by:
- Paying off smaller debts.
- Extending loan tenure to lower monthly payments.
- Applying with a co-borrower to boost income.
Refinancing allows you to:
- Lower interest rates, reducing monthly payments.
- Consolidate multiple debts into one structured loan.
- Extend loan tenure for smaller, more manageable payments.
- Access extra cash through cash-out refinancing to pay off high-interest debts.
If a bank rejects your application, you still have options:
- Restructure your loan with your current bank.
- Consolidate debts into one manageable loan.
- Apply with a co-borrower to improve eligibility.
- Bluebricks helps clients reapply with a stronger strategy.
Refinancing may temporarily lower your credit score due to new credit checks, but timely repayments will improve it over time. To protect your score:
- Avoid multiple loan applications at once.
- Clear outstanding payments before refinancing.
- Make consistent, on-time payments after approval.
Savings depend on interest rates and loan terms. Example:
- Before: RM3,500/month at 5.5% interest.
- After: RM2,800/month at 4.0% interest.
- Savings: RM700/month or RM84,000 over 10 years.
- 30–45 days for borrowers with stable finances.
- 45–90 days for high DSR applicants or extra documentation.
- 90+ days if credit improvements are needed before approval.
Yes, refinancing can help you:
- Merge personal loans, car loans, and credit cards into one payment.
- Lower interest on high-cost debts.
- Reduce monthly payments by extending your loan tenure.
- Bluebricks specialises in debt consolidation refinancing for high-commitment borrowers.
Refinancing costs may include:
- Processing fees: RM50–RM300.
- Legal fees: 2%-3% of loan amount.
- Valuation fees: 0.2%-0.25% of property value.
- Stamp duty: 5% of the loan amount.
Some banks offer fee waivers or roll costs into the loan. Bluebricks helps you find the most cost-effective plan.
As a licensed brokerage partner, we provide end-to-end support by:
- Assessing your financial situation to recommend the best options.
- Matching you with banks that accept high-commitment borrowers.
- Negotiating better interest rates and loan terms.
- Resubmitting rejected applications with improved eligibility.
- Structuring debt consolidation plans for easier financial management.
