Get monthly cash rebates for up to 10 years
Save up to 70% by reducing your monthly payments
Shorten your repayment period by up to 10 years
Access extra cash for business, emergencies, or other needs
Enjoy zero out-of-pocket fees with no hidden charges
Boost your credit score with consistent, timely repayments
- Interest rates from as low as 3.88% p.a.
- Loan amounts up to 90% of your property’s market value
- Flexible tenure up to 35 years or age 70 (whichever is earlier)
- Monthly cash rebates for up to 10 years
- Lower monthly repayments with up to 70% savings
- Cash-out option for renovation, education, or emergencies
- No upfront fees – zero hidden charges
- Personalised refinancing advice from experienced consultants
- Malaysian citizen or Permanent Resident
- Aged 21 to 70 years (subject to loan tenure)
- Minimum monthly income of RM3,000 (may vary by bank)
- Must own a completed residential property in Malaysia
- Must have an existing home loan eligible for refinancing
- Acceptable credit history or potential to restructure debts
Smart Refinancing by TZ Advisory
Smarter Money. Simpler Life.
Struggling with multiple loan repayments or high-interest credit card bills? Smart Refinancing with TZ Advisory helps you lower monthly payments, save on interest, and gain access to extra cash—all in one simple, customised solution.
Take control of your finances. Consolidate your debts. Start fresh—with Smart Refinancing made easy.