{"id":7131,"date":"2025-03-05T01:08:13","date_gmt":"2025-03-05T01:08:13","guid":{"rendered":"https:\/\/www.ibpo.com.my\/?p=7131"},"modified":"2025-11-17T03:35:49","modified_gmt":"2025-11-17T03:35:49","slug":"konsultan-gadai-janji-malaysia","status":"publish","type":"post","link":"https:\/\/www.ibpo.com.my\/bm\/mortgage-consultant-malaysia\/","title":{"rendered":"Patutkah Anda Mendapatkan Perunding Gadai Janji untuk Pinjaman Rumah Anda di Malaysia?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7131\" class=\"elementor elementor-7131\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a0cd965 elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"6a0cd965\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4b27d7\" data-id=\"4b27d7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-242ca847 elementor-widget-laptop__width-initial xts-scheme-inherit xts-textalign-inherit elementor-widget elementor-widget-text-editor\" data-id=\"242ca847\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 23-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>[xts_html_block id=&#8221;3506&#8243;]<br \/>\t<div class=\"ibpo-articles xts-single-post-header\">\r\n\t\t<div class=\"xts-post-meta\">\r\n\t\t\t\t\t\t\t\t\t\t<div class=\"xts-post-categories\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/bm\/category\/articles\/\" rel=\"category tag\">\n\t\t\t\t\t\tArticles\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"xts-post-date\">\n\t\t\t\t\t\t\t<time class=\"published\" datetime=\"2025-03-05T01:08:13+00:00\">\n\t\t\t\t\t5 Mac 2025\t\t\t\t<\/time>\n\t\t\t\t<time class=\"updated\" datetime=\"2025-11-17T03:35:49+00:00\">\n\t\t\t\t\t17 November 2025\t\t\t\t<\/time>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\r\n\r\n\t<\/div>\r\n\r\n\t\t\t<h1 class=\"ibpo-articles xts-post-title xts-entities-title\">\r\n\t\t\t\tShould You Get a Mortgage Consultant for Your Home Loan in Malaysia?\t\t\t\t<\/h1>\r\n\t\t\r\n\r\n\r\n\t\r\n<\/p><p><span style=\"font-weight: 400;\">Bank Negara Malaysia reported that <\/span><a href=\"https:\/\/theedgemalaysia.com\/node\/748996#:~:text=Housing%20loan%20growth%20in%20Malaysia%20slowed%20year%2Don%2Dyear%20(y%2Do%2Dy)%20to%206.9%25%20in%202024%2C%20with%20owner%2Doccupiers%20making%20up%20the%20bulk%20of%20growth%2C%20according%20to%20Bank%20Negara%20Malaysia%20(BNM).\"><span style=\"font-weight: 400;\"><strong>housing loan growth stood at 6.9% in 2024<\/strong><\/span><\/a><span style=\"font-weight: 400;\">, with owner-occupiers making up the bulk of the increase. This indicates steady demand for home financing despite a more cautious lending environment.<\/span><\/p><p><span style=\"font-weight: 400;\">With so many loan packages, interest rates, and eligibility requirements to compare, finding the right home loan can be overwhelming. This is why more homebuyers are turning to mortgage consultants for professional guidance. These experts help compare loan options, manage applications, and improve approval chances, making the home financing process smoother and more efficient.<\/span><\/p><h2>Key Takeaways<\/h2><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A mortgage consultant helps homebuyers find the best loan packages, manage paperwork, and improve approval chances\u00a0 making the home loan process faster and easier.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They compare multiple banks and loan options, assess your financial profile, and guide you toward the most suitable loan amount, rate, and repayment plan.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Key benefits: access to better interest rates, expert financial advice, and tailored solutions even for borrowers with lower credit scores.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">IBPO Group\u2019s i-Connect program simplifies buying and selling by offering property listing support, guaranteed rental income, and debt optimisation, reducing loan tenure by up to 15 years.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">For sellers, i-Connect provides financial relief and rent-free stay options for up to three years after sale.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">IBPO\u2019s strong banking partnerships help clients secure the most competitive mortgage packages with confidence and clarity.<\/span><\/li><\/ul><h2>What Does a Mortgage Loan Consultant Actually Do?<\/h2><p><span style=\"font-weight: 400;\">A mortgage consultant bridges the gap between homebuyers and banks by helping borrowers secure the best home loan based on their financial situation. They not only connect borrowers with the most suitable banks offering competitive interest rates but also assist in handling the necessary paperwork for loan processing and approval.<\/span><\/p><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-7136 aligncenter\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image3.jpg\" alt=\"\" width=\"1999\" height=\"1333\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image3.jpg 1999w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image3-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image3-1024x683.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image3-768x512.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image3-1536x1024.jpg 1536w\" sizes=\"(max-width: 1999px) 100vw, 1999px\" \/><\/p><p><span style=\"font-weight: 400;\">One of their key roles is to gather and compare loan options from multiple banks while pre-qualifying you for a mortgage. They collect essential documents such as income statements, asset details, employment records, and credit reports to assess your repayment ability.<\/span><\/p><p><span style=\"font-weight: 400;\">Furthermore, a mortgage consultant helps determine the ideal loan amount, loan-to-value (LTV) ratio, and loan type before submitting the application. A higher LTV ratio means you\u2019ll receive a smaller loan amount relative to the property&#8217;s value.<\/span><\/p><h2>Benefits of Hiring a Home Mortgage Consultant for Your Loan<\/h2><p><span style=\"font-weight: 400;\">Working with a mortgage consultant offers several key advantages that make the home loan process more convenient, efficient, and financially beneficial:<\/span><\/p><h3>Access to Multiple Loan Options<\/h3><p><span style=\"font-weight: 400;\">Consultants work with various banks and financial institutions, giving you a wider selection of loan packages to choose from. This ensures you find one that best fits your income, credit profile, and long-term financial goals.<\/span><\/p><h3>Better Interest Rates<\/h3><p><span style=\"font-weight: 400;\">Consultants often negotiate or secure lower interest rates than what\u2019s typically available to the public. Their insider knowledge of each bank\u2019s products and policies helps you avoid unfavourable loan terms.<\/span><\/p><h3>Tailored Financial Guidance<\/h3><p><span style=\"font-weight: 400;\">A mortgage consultant reviews your financial situation and recommends the most suitable loan structure, whether it\u2019s fixed, semi-flexi, or flexi, helping you make informed decisions.<\/span><\/p><h3>Improved Loan Approval Chances<\/h3><p><span style=\"font-weight: 400;\">If you have a low credit score, banks may reject your loan application. However, a consultant may still be able to find alternative solutions or connect you with banks that are willing to work with your financial situation.<\/span><\/p><h2>Why Mortgage Consultants Are Valuable in Today\u2019s Market<\/h2><p><span style=\"font-weight: 400;\">The Malaysian property market is experiencing notable shifts in lending activity.<\/span><\/p><p><span style=\"font-weight: 400;\">According to <\/span><strong><a href=\"https:\/\/focusmalaysia.my\/property-market-outlook-brightens-ahead-of-budget-2026-approved-loans-jump-after-june-slump\/#:~:text=ACCORDING%20to%20data%20released%20by%20Bank%20Negara%20Malaysia%20(BNM)%2C%20total%20loan%20application%20for%20purchase%20of%20property%20rebounded%20by%20%2B19.3%25%20month%2Don%2Dmonth%20(mom)%20to%20RM62.6%20bil%20in%20July%202025%20following%20a%20decline%20of%20%2D6.9%25%20in%20June%202025.%C2%A0\">Bank Negara Malaysia<\/a><\/strong><span style=\"font-weight: 400;\">, approved property loans surged by 25.7% in July 2025 after a 14.7% decline in June, reflecting how quickly financing trends can change due to policy and economic factors.<\/span><\/p><p><span style=\"font-weight: 400;\">In such a dynamic environment, mortgage consultants provide critical support through:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Market-Based Insights: Keeping you informed of changing lending policies and economic conditions.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Strategic Timing Advice: Helping you apply when approval odds and interest rates are most favourable.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank Comparison Expertise: Analysing offers across multiple institutions to identify the most advantageous deal for your profile.<\/span><\/li><\/ul><p><img decoding=\"async\" class=\"aligncenter wp-image-7137 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image4.jpg\" alt=\"Loan application being reviewed by a consultant\" width=\"1999\" height=\"1335\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image4.jpg 1999w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image4-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image4-1024x684.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image4-768x513.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image4-1536x1026.jpg 1536w\" sizes=\"(max-width: 1999px) 100vw, 1999px\" \/><\/p><h2>Simplify Your Home Loan Process with a Mortgage Consultant in Malaysia<\/h2><p><span style=\"font-weight: 400;\">If you&#8217;re considering hiring a mortgage consultant, choosing the right one is essential, as securing a home loan is a significant financial commitment. One option worth exploring is the i-Connect program by <\/span><strong><a href=\"https:\/\/www.ibpo.com.my\/\">IBPO Group Berhad<\/a><\/strong><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.ibpo.com.my\/i-connect\/\"><span style=\"font-weight: 400;\"><strong>i-Connect<\/strong><\/span><\/a><span style=\"font-weight: 400;\"> program is a comprehensive property and financial solution designed to streamline the buying and selling process for Malaysian homeowners and buyers. It offers benefits not just to buyers but also to sellers, which makes property transactions more accessible and financially manageable. Besides, the program helps sellers list their properties effectively and connect with potential buyers efficiently to ensure a smooth transaction process.<\/span><\/p><p><span style=\"font-weight: 400;\">For buyers, the program provides access to the best home loan options while offering guaranteed rental income for three years without agent fees. It also eliminates upfront costs, making homeownership more attainable. Moreover, buyers can optimise their finances through debt consolidation, potentially reducing their loan tenure by up to 15 years.<\/span><\/p><p><span style=\"font-weight: 400;\">For sellers, i-Connect offers financial relief by allowing them to continue living in their sold property rent-free for up to three years. This removes monthly financial commitments while ensuring the property is sold at a fair market price to protect its value.<\/span><\/p><h2><b>Secure the Best Deal with Our Mortgage Consultancy Now!<\/b><\/h2><p><img decoding=\"async\" class=\"aligncenter wp-image-7142 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image1.jpg\" alt=\"Mortgage loan consultant advising a client on home financing\" width=\"1999\" height=\"1333\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image1.jpg 1999w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image1-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image1-1024x683.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image1-768x512.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/image1-1536x1024.jpg 1536w\" sizes=\"(max-width: 1999px) 100vw, 1999px\" \/><\/p><p><span style=\"font-weight: 400;\">A reliable mortgage consultant should provide you with multiple loan options and clearly explain why certain loans suit your financial needs best. At IBPO Group Berhad, we specialise in helping homebuyers secure the most suitable mortgage solutions while offering expert financial guidance.<\/span><\/p><p><span style=\"font-weight: 400;\">With strong partnerships with leading banks and credit reporting agencies, we expand your options and increase your chances of securing the best home loan package.<\/span><\/p><p><span style=\"font-weight: 400;\">If navigating the home loan process feels overwhelming, IBPO is here to simplify it for you. Beyond mortgage consultancy, we offer a range of financial services to help you achieve greater financial stability. <\/span><strong><a href=\"https:\/\/wa.ibpo.com.my\/?r=wb\">Get in touch with us<\/a><\/strong><span style=\"font-weight: 400;\"> today to learn more!<\/span><\/p><p><b class=\"small-text\">References<\/b><\/p><ol class=\"small-text\"><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Edge Malaysia. Housing loan growth in Malaysia slowed year-on-year (yoy) to 6.9% in 2024. 24 March 2025. Available at: <\/span><strong><a href=\"https:\/\/theedgemalaysia.com\/node\/748996\">https:\/\/theedgemalaysia.com\/node\/748996<\/a><\/strong><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Focus Malaysia. Property market outlook brightens ahead of Budget 2026; approved loans jump after June slump. 12 September 2025. Available at: <strong><a href=\"https:\/\/focusmalaysia.my\/property-market-outlook-brightens-ahead-of-budget-2026-approved-loans-jump-after-june-slump\/\">https:\/\/focusmalaysia.my\/property-market-outlook-brightens-ahead-of-budget-2026-approved-loans-jump-after-june-slump\/<\/a>\u00a0<\/strong><\/span><\/li><\/ol><div style=\"margin-top: 40px; padding: 20px; border: 1px solid #ddd; border-radius: 8px; background: #f9f9f9; display: flex; align-items: flex-start; gap: 15px;\"><p><img decoding=\"async\" style=\"width: 80px; height: 80px; border-radius: 50%; object-fit: cover;\" src=\"https:\/\/encrypted-tbn0.gstatic.com\/images?q=tbn:ANd9GcTSeatcmYRYsMNho5mAp9qySUzghxQYU_TPGw&amp;s\" alt=\"\u94b1\u5e86\u6bc5\uff08Daniel\" \/><\/p><div style=\"flex: 1;\"><p style=\"margin: 0; font-weight: bold;\">Calvin Pang<\/p><p style=\"margin: 10px 0; line-height: 1.6;\">Calvin is passionate about making finance meaningful and impactful for everyone.<\/p><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a3ada20 elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"a3ada20\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aa88632\" data-id=\"aa88632\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>[xts_html_block id=&#8221;3506&#8243;] Bank Negara Malaysia reported that housing loan growth stood at 6.9% in 2024, with owner-occupiers making up the bulk of the increase. This indicates steady demand for home financing despite a more cautious lending environment. With so many loan packages, interest rates, and eligibility requirements to compare, finding the right home loan can [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":7146,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Should You Hire a Mortgage Consultancy for Your Home Loan?<\/title>\n<meta name=\"description\" content=\"Wondering if you need mortgage consultancy services in Malaysia? Learn how they guide you through the home loan process and secure the best financing option. 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