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Mortgage & Refinancing

A home loan or mortgage loan in Malaysia is a loan taken out from a bank or financial institution to help you purchase property. Home loans in Malaysia use the property in question as collateral. While you would think that the property’s title would fall under your name since you’re the purchaser, that isn’t the case until you pay off all your monthly repayments in full.

In the meantime, the bank holds the property titles. That means it’s within their means to repossess the property if worst comes to worst. Home loans in Malaysia can either come with a fixed or variable interest rate.

Fixed interest rate

  • Refers to a set percentage that doesn’t change throughout the duration of your loan.

Variable interest rate

  • Refers to a percentage that’s determined by the Base Rate (BR), whenever the BLR goes up or down, this type of interest rate will follow suit.

Our Proposal Step:


Approach & Fact Find
To KYC client’s profile, identify & discover a client’s situation & criterial before proceeding to
next step.


Analysis & Problem Solving
We have a back-end team to analyze & rectifying client’s problem, measure potential risk and
provide genuine opinions before the consultant propose to our client by understanding client’s


Presentation & Assurance
Once our consultant finalizes the financial plan, they will send a proposal to our clients,
explain processing lead time, Pros & cons of the financial plan etc. To ensure our proposal fit to
the client’s need.


Liaise & Communication
Once client decided to engage with our services, we will start liaising with the relevant parties
to expedite the whole process, we will also follow up closely with the entire process.


Once documentation and everything are ready, we will submit the necessary application and
the result will be released soon. You will notify when the approval is right at the corner.


Final Approval
Once we got the approval, you will be informed via a message or calls from us or relevant
party. Meanwhile, our consultant will be still guiding you through the process till the end. 

CONSFIELD CF HOLDINGS SDN. BHD. established in 2020, is a financial consultancy company based in Johor Bahru, Johor, Malaysia.