- Enjoy monthly cash rebates for up to 10 years.
- Save up to 70% by reducing your monthly payments.
- Shorten your loan repayment period by up to 10 years.
- Access extra cash for business, emergencies, and more.
- Benefit from zero out-of-pocket fees—no hidden costs.
- Boost your credit score with timely repayments.
Low interest rates starting from 3.88% p.a.
Loan amounts up to 90% of your property’s value
Tenure up to 35 years or until age 70 (whichever comes first)
Monthly cash rebates and lower monthly instalments
Access to extra cash for renovations, education, or emergencies
Professional guidance with end-to-end loan handling
Malaysian citizen or Permanent Resident (PR)
Aged 21 to 70 years (subject to loan tenure)
Minimum monthly income of RM3,000 (varies by bank)
Must own a completed residential property in Malaysia
Stable employment or income source (salaried or self-employed)
Acceptable credit record (or potential to restructure debts)
Home Loan Refinancing As A Smart Financial Solution in Malaysia
Smart Refinancing by TZ Advisory
Feeling stretched by monthly commitments? It might be the right time for Smart Refinancing. Lower your monthly payments, enjoy better interest rates, and potentially shorten your loan tenure—all while saving more in the long run.
Smart Refinancing also gives you access to extra cash for renovations, education, or other needs, and lets you tap into your property’s current value to fund new investments or major purchases.