What actually happens between "I want to buy" and "I have the keys."
A realistic look at the mortgage process, step by step.
The Process
Every property financing case moves through the same seven stages, whether it’s a first home, a refinance, or an investment purchase — what changes is the detail, not the sequence. Knowing what’s coming next is the difference between a smooth application and one that stalls on a missing document or a step nobody explained.
Initial Consultation
We review your income, commitments, and goals to understand what's realistic.
Document Preparation
Payslips, EPF statements, bank statements, and supporting documents are gathered and checked for completeness.
Credit Check
We guide you through reviewing your CTOS and CCRIS standing before submission, so nothing surprises the bank later. Permohonan CTOS
Bank Package Comparison & Submission
Your file is submitted to the banks whose packages best match your profile.
Approval & Letter of Offer
Once approved, you'll receive and review the Letter of Offer.
Legal Documentation
SPA, loan agreement, and related legal steps are coordinated through our legal partners.
Disbursement
Funds are released according to the agreed schedule (progressive for new projects, lump sum for subsale).