{"id":9927,"date":"2026-07-21T02:43:09","date_gmt":"2026-07-21T02:43:09","guid":{"rendered":"https:\/\/www.ibpo.com.my\/?p=9927"},"modified":"2026-07-21T02:50:27","modified_gmt":"2026-07-21T02:50:27","slug":"should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank","status":"publish","type":"post","link":"https:\/\/www.ibpo.com.my\/bm\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/","title":{"rendered":"Should You Refinance Through a Financial Consultancy or Apply Directly to the Bank?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9927\" class=\"elementor elementor-9927\">\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 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=\"2026-07-21T02:43:09+00:00\">\n\t\t\t\t\t21 Julai 2026\t\t\t\t<\/time>\n\t\t\t\t<time class=\"updated\" datetime=\"2026-07-21T02:50:27+00:00\">\n\t\t\t\t\t21 Julai 2026\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 Refinance Through a Financial Consultancy or Apply Directly to the Bank?\t\t\t\t<\/h1>\r\n\t\t\r\n\r\n\r\n\t\r\n<\/p><p><span data-contrast=\"auto\">If\u00a0you&#8217;re\u00a0wondering\u00a0how to refinance your home,\u00a0you&#8217;ve\u00a0probably asked\u00a0yourself this question:\u00a0Should I go directly to a bank, or should I work with a financial consultant?<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Both options can help you refinance your house loan, but the experience is quite different.<\/span><\/p><table style=\"font-weight: 400;\" data-tablestyle=\"MsoNormalTable\" data-tablelook=\"1696\" aria-rowcount=\"6\"><tbody><tr aria-rowindex=\"1\"><td data-celllook=\"4369\"><p><b><span data-contrast=\"auto\">Applying Directly to a Bank<\/span><\/b><span data-ccp-props=\"{}\">\u00a0 \u00a0 \u00a0\u00a0<\/span><\/p><\/td><td data-celllook=\"4369\"><p><b><span data-contrast=\"auto\">\u00a0Through a Financial Consultancy<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><\/tr><tr aria-rowindex=\"2\"><td data-celllook=\"4369\"><p><span data-contrast=\"auto\">Compare banks yourself\u00a0&#8211; bank by bank.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"4369\"><p><span data-contrast=\"auto\">The\u00a0consultancy\u00a0helps compare suitable bank options\u00a0that&#8217;s\u00a0best suited to your financial standings.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><\/tr><tr aria-rowindex=\"3\"><td data-celllook=\"4369\"><p><span data-contrast=\"auto\">Manage your own paperwork<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"4369\"><p><span data-contrast=\"auto\">Assistance\u00a0with documentation\u00a0<\/span><span data-contrast=\"auto\">from<\/span><span data-contrast=\"auto\">\u00a0submissions\u00a0to approvals.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p><\/td><\/tr><tr aria-rowindex=\"4\"><td data-celllook=\"4369\"><p><span data-contrast=\"auto\">Follow up with each bank individually<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"4369\"><p><span data-contrast=\"auto\">Single point of contact throughout the process<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><\/tr><tr aria-rowindex=\"5\"><td data-celllook=\"4369\"><p><span data-contrast=\"auto\">Limited to one bank&#8217;s products<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"4369\"><p><span data-contrast=\"auto\">Access to multiple financing options<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><\/tr><tr aria-rowindex=\"6\"><td data-celllook=\"4369\"><p><span data-contrast=\"auto\">Research and evaluate on your own<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"4369\"><p><span data-contrast=\"auto\">Personalised\u00a0recommendations based on your financial goals<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><\/tr><\/tbody><\/table><p>While both approaches can lead to a successful refinancing application, many homeowners choose to work with a financial consultancy because it saves time, reduces paperwork, and provides professional guidance throughout the process.<\/p><h3>Why Work with a Financial Consultant?<\/h3><p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-9930\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/business-people-shaking-hands-finishing-up-meeting-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1707\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/business-people-shaking-hands-finishing-up-meeting-scaled.jpg 2560w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/business-people-shaking-hands-finishing-up-meeting-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/business-people-shaking-hands-finishing-up-meeting-1024x683.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/business-people-shaking-hands-finishing-up-meeting-768x512.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/business-people-shaking-hands-finishing-up-meeting-1536x1024.jpg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/business-people-shaking-hands-finishing-up-meeting-2048x1365.jpg 2048w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/business-people-shaking-hands-finishing-up-meeting-18x12.jpg 18w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p><p><span data-contrast=\"auto\">A financial consultant does more than\u00a0submitting\u00a0your application.\u00a0They take the time to understand your financial situation, monthly\u00a0commitments,\u00a0and long-term goals before recommending a refinancing solution that suits your needs.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Whether\u00a0you&#8217;re\u00a0looking to:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Improve your cash flow management<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Reduce your monthly commitments<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Refinance your house loan for greater financial flexibility<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"auto\">Our financial consultants are here to guide you every step of the way.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">How IBPO Makes Home Refinancing Easier<\/span><\/b><\/p><p><img decoding=\"async\" class=\"alignnone size-full wp-image-9931\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/IBPOGroup26_generalbanner_mainKV_website-scaled-1.jpg\" alt=\"\" width=\"2560\" height=\"1027\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/IBPOGroup26_generalbanner_mainKV_website-scaled-1.jpg 2560w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/IBPOGroup26_generalbanner_mainKV_website-scaled-1-300x120.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/IBPOGroup26_generalbanner_mainKV_website-scaled-1-1024x411.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/IBPOGroup26_generalbanner_mainKV_website-scaled-1-768x308.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/IBPOGroup26_generalbanner_mainKV_website-scaled-1-1536x616.jpg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/IBPOGroup26_generalbanner_mainKV_website-scaled-1-2048x822.jpg 2048w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/IBPOGroup26_generalbanner_mainKV_website-scaled-1-18x7.jpg 18w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p><p><span data-contrast=\"auto\">With IBPO, you\u00a0don&#8217;t\u00a0have to navigate the refinancing process alone.\u00a0Here&#8217;s\u00a0how we help:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">\u27a1\ufe0f\u00a0Start with a Simple Phone Consultation<\/span><\/b>\u00a0<br \/><span data-contrast=\"auto\">Speak to our experienced Financial Tele Executive team to discuss your financial goals.\u00a0We&#8217;ll\u00a0understand your needs and prepare a\u00a0personalised\u00a0refinancing proposal.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">\u27a1\ufe0f\u00a0We Compare Banks for You<\/span><\/b>\u00a0<br \/><span data-contrast=\"auto\">No need to visit multiple banks.\u00a0We&#8217;ll\u00a0help\u00a0identify\u00a0the most suitable bank and financing package based on your financial profile.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">\u27a1\ufe0f\u00a0Maximise\u00a0Your Financial Benefits<\/span><\/b>\u00a0<br \/><span data-contrast=\"auto\">Depending on your eligibility, refinancing may help you:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Reduce monthly commitments through debt consolidation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Lower monthly commitments by up to\u00a0<\/span><b><span data-contrast=\"auto\">70%<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Improve your cash flow.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Shorten your house loan tenure by up to\u00a0<\/span><b><span data-contrast=\"auto\">10 years or more<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><\/ul><p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Dedicated Support from Start to Finish<\/span><\/b><\/p><p><\/p><p><span data-contrast=\"auto\">Once\u00a0you&#8217;re\u00a0ready to\u00a0proceed, a dedicated consultant will guide you through every step; from document preparation to submission and approval. Whether\u00a0you&#8217;re\u00a0in Klang Valley, Johor, Penang or anywhere in Malaysia,\u00a0we&#8217;re\u00a0here to support you!<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">More Than Just Home Refinancing<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><img decoding=\"async\" class=\"alignnone size-full wp-image-9934\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/744822532_1656682095420644_820813950125733887_n.jpg\" alt=\"\" width=\"1080\" height=\"1350\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/744822532_1656682095420644_820813950125733887_n.jpg 1080w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/744822532_1656682095420644_820813950125733887_n-240x300.jpg 240w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/744822532_1656682095420644_820813950125733887_n-819x1024.jpg 819w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/744822532_1656682095420644_820813950125733887_n-768x960.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/744822532_1656682095420644_820813950125733887_n-10x12.jpg 10w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/p><p><span data-contrast=\"auto\">At IBPO, our financial services\u00a0don&#8217;t\u00a0stop once your refinancing is complete.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">You&#8217;ll\u00a0also have access to\u00a0<\/span><a href=\"https:\/\/web.ibpo.com.my\/login?redirect=\/dashboard\"><span data-contrast=\"none\">myIBPO+<\/span><\/a><span data-contrast=\"auto\">, our all-in-one AI-powered financial portal designed to help you manage your finances more effectively. From tracking your loans in one place to\u00a0monitoring\u00a0your\u00a0Financial\u00a0Ratings (debt-service-ratio and credit score)\u00a0and receiving\u00a0personalised\u00a0recommendations,\u00a0myIBPO+ gives you greater visibility over your financial health.<\/span><\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-9690\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/06\/IBPOGroup26_Mar26_myIBPOlatest.jpg.jpeg\" alt=\"\" width=\"1080\" height=\"1172\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/06\/IBPOGroup26_Mar26_myIBPOlatest.jpg.jpeg 1080w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/06\/IBPOGroup26_Mar26_myIBPOlatest.jpg-276x300.jpeg 276w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/06\/IBPOGroup26_Mar26_myIBPOlatest.jpg-944x1024.jpeg 944w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/06\/IBPOGroup26_Mar26_myIBPOlatest.jpg-768x833.jpeg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/06\/IBPOGroup26_Mar26_myIBPOlatest.jpg-11x12.jpeg 11w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/p><p><span data-contrast=\"auto\">Need\u00a0answers to your financial questions? Our intelligent\u00a0<\/span><a href=\"https:\/\/web.ibpo.com.my\/login?redirect=\/dashboard\"><span data-contrast=\"none\">ANIKA AI Chatbot<\/span><\/a><span data-contrast=\"auto\">\u00a0is always available to provide guidance, financial\u00a0insights\u00a0and recommendations to help you make smarter financial decisions.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">The Bottom Line<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">If you already know which bank you want to refinance with, applying directly may be the right choice.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">However, if\u00a0you&#8217;d\u00a0like\u00a0personalised\u00a0guidance, access to multiple financing options and dedicated support throughout the process, working with a financial consultancy can save you time while making your refinancing journey simpler and more convenient.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">After all, refinancing\u00a0isn&#8217;t\u00a0just about finding\u00a0a lower interest\u00a0rate;\u00a0it&#8217;s\u00a0about finding the right financial solution for your future!<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Interested\u00a0to learn\u00a0more? Get a FREE consultation with us!\u00a0<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p>\u00a0<\/p><p><a href=\"http:\/\/https:\/\/api.whatsapp.com\/send?phone=60165882928&amp;text=Hi!%20Welcome%20to%20IBPO%20Group%20Berhad.%20Thank%20you%20for%20reaching%20out!%0APress%20%3CSEND%3E%20to%20begin.%0A%0A(ref%3A%20IBPO%20Newsletter)\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-9651\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/06\/Whatsapp-Button-1-300x98.png\" alt=\"\" width=\"211\" height=\"69\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/06\/Whatsapp-Button-1-300x98.png 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/06\/Whatsapp-Button-1-1024x334.png 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/06\/Whatsapp-Button-1-768x250.png 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/06\/Whatsapp-Button-1-1536x500.png 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/06\/Whatsapp-Button-1-2048x667.png 2048w\" sizes=\"(max-width: 211px) 100vw, 211px\" \/><\/a><\/p>\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;] If\u00a0you&#8217;re\u00a0wondering\u00a0how to refinance your home,\u00a0you&#8217;ve\u00a0probably asked\u00a0yourself this question:\u00a0Should I go directly to a bank, or should I work with a financial consultant?\u00a0 Both options can help you refinance your house loan, but the experience is quite different. Applying Directly to a Bank\u00a0 \u00a0 \u00a0\u00a0 \u00a0Through a Financial Consultancy\u00a0 Compare banks yourself\u00a0&#8211; bank by [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":9928,"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 Refinance Through a Financial Consultancy or Apply Directly to the Bank?<\/title>\n<meta name=\"description\" content=\"When refinancing your home, most people focus on one thing, the interest rate. In reality, it&#039;s also an opportunity to review your finances, improve your cash flow, and create a financial plan that works for you! That&#039;s why choosing the right financial consultancy can make all the difference.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ibpo.com.my\/bm\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Should You Refinance Through a Financial Consultancy or Apply Directly to the Bank?\" \/>\n<meta property=\"og:description\" content=\"When refinancing your home, most people focus on one thing, the interest rate. In reality, it&#039;s also an opportunity to review your finances, improve your cash flow, and create a financial plan that works for you! That&#039;s why choosing the right financial consultancy can make all the difference.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.ibpo.com.my\/bm\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/\" \/>\n<meta property=\"og:site_name\" content=\"IBPO\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-21T02:43:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-21T02:50:27+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/businessmen-teamwork-discussing-investment-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"graceAdmin@0\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"graceAdmin@0\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.ibpo.com.my\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/\",\"url\":\"https:\/\/www.ibpo.com.my\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/\",\"name\":\"Should You Refinance Through a Financial Consultancy or Apply Directly to the Bank?\",\"isPartOf\":{\"@id\":\"https:\/\/www.ibpo.com.my\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.ibpo.com.my\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.ibpo.com.my\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/businessmen-teamwork-discussing-investment-scaled.jpg\",\"datePublished\":\"2026-07-21T02:43:09+00:00\",\"dateModified\":\"2026-07-21T02:50:27+00:00\",\"author\":{\"@id\":\"https:\/\/www.ibpo.com.my\/#\/schema\/person\/70808909ea638da9182a5d2edd6f15a0\"},\"description\":\"When refinancing your home, most people focus on one thing, the interest rate. In reality, it's also an opportunity to review your finances, improve your cash flow, and create a financial plan that works for you! That's why choosing the right financial consultancy can make all the difference.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.ibpo.com.my\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/#breadcrumb\"},\"inLanguage\":\"ms-MY\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.ibpo.com.my\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ms-MY\",\"@id\":\"https:\/\/www.ibpo.com.my\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/#primaryimage\",\"url\":\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/businessmen-teamwork-discussing-investment-scaled.jpg\",\"contentUrl\":\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/businessmen-teamwork-discussing-investment-scaled.jpg\",\"width\":2560,\"height\":1707},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.ibpo.com.my\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.ibpo.com.my\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Should You Refinance Through a Financial Consultancy or Apply Directly to the Bank?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.ibpo.com.my\/#website\",\"url\":\"https:\/\/www.ibpo.com.my\/\",\"name\":\"IBPO\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.ibpo.com.my\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"ms-MY\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.ibpo.com.my\/#\/schema\/person\/70808909ea638da9182a5d2edd6f15a0\",\"name\":\"graceAdmin@0\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ms-MY\",\"@id\":\"https:\/\/www.ibpo.com.my\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/f4fc621c6b2af745d3ea5751a2eab056?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/f4fc621c6b2af745d3ea5751a2eab056?s=96&d=mm&r=g\",\"caption\":\"graceAdmin@0\"},\"url\":\"https:\/\/www.ibpo.com.my\/bm\/author\/graceadmin0\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Should You Refinance Through a Financial Consultancy or Apply Directly to the Bank?","description":"When refinancing your home, most people focus on one thing, the interest rate. In reality, it's also an opportunity to review your finances, improve your cash flow, and create a financial plan that works for you! That's why choosing the right financial consultancy can make all the difference.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.ibpo.com.my\/bm\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/","og_locale":"ms_MY","og_type":"article","og_title":"Should You Refinance Through a Financial Consultancy or Apply Directly to the Bank?","og_description":"When refinancing your home, most people focus on one thing, the interest rate. In reality, it's also an opportunity to review your finances, improve your cash flow, and create a financial plan that works for you! That's why choosing the right financial consultancy can make all the difference.","og_url":"https:\/\/www.ibpo.com.my\/bm\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/","og_site_name":"IBPO","article_published_time":"2026-07-21T02:43:09+00:00","article_modified_time":"2026-07-21T02:50:27+00:00","og_image":[{"width":2560,"height":1707,"url":"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/businessmen-teamwork-discussing-investment-scaled.jpg","type":"image\/jpeg"}],"author":"graceAdmin@0","twitter_card":"summary_large_image","twitter_misc":{"Written by":"graceAdmin@0","Est. reading time":"4 minit"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.ibpo.com.my\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/","url":"https:\/\/www.ibpo.com.my\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/","name":"Should You Refinance Through a Financial Consultancy or Apply Directly to the Bank?","isPartOf":{"@id":"https:\/\/www.ibpo.com.my\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.ibpo.com.my\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/#primaryimage"},"image":{"@id":"https:\/\/www.ibpo.com.my\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/#primaryimage"},"thumbnailUrl":"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/businessmen-teamwork-discussing-investment-scaled.jpg","datePublished":"2026-07-21T02:43:09+00:00","dateModified":"2026-07-21T02:50:27+00:00","author":{"@id":"https:\/\/www.ibpo.com.my\/#\/schema\/person\/70808909ea638da9182a5d2edd6f15a0"},"description":"When refinancing your home, most people focus on one thing, the interest rate. In reality, it's also an opportunity to review your finances, improve your cash flow, and create a financial plan that works for you! That's why choosing the right financial consultancy can make all the difference.","breadcrumb":{"@id":"https:\/\/www.ibpo.com.my\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/#breadcrumb"},"inLanguage":"ms-MY","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.ibpo.com.my\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/"]}]},{"@type":"ImageObject","inLanguage":"ms-MY","@id":"https:\/\/www.ibpo.com.my\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/#primaryimage","url":"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/businessmen-teamwork-discussing-investment-scaled.jpg","contentUrl":"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/07\/businessmen-teamwork-discussing-investment-scaled.jpg","width":2560,"height":1707},{"@type":"BreadcrumbList","@id":"https:\/\/www.ibpo.com.my\/should-you-refinance-through-a-financial-consultancy-or-apply-directly-to-the-bank\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.ibpo.com.my\/"},{"@type":"ListItem","position":2,"name":"Should You Refinance Through a Financial Consultancy or Apply Directly to the Bank?"}]},{"@type":"WebSite","@id":"https:\/\/www.ibpo.com.my\/#website","url":"https:\/\/www.ibpo.com.my\/","name":"IBPO","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.ibpo.com.my\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"ms-MY"},{"@type":"Person","@id":"https:\/\/www.ibpo.com.my\/#\/schema\/person\/70808909ea638da9182a5d2edd6f15a0","name":"graceAdmin@0","image":{"@type":"ImageObject","inLanguage":"ms-MY","@id":"https:\/\/www.ibpo.com.my\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/f4fc621c6b2af745d3ea5751a2eab056?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f4fc621c6b2af745d3ea5751a2eab056?s=96&d=mm&r=g","caption":"graceAdmin@0"},"url":"https:\/\/www.ibpo.com.my\/bm\/author\/graceadmin0\/"}]}},"_links":{"self":[{"href":"https:\/\/www.ibpo.com.my\/bm\/wp-json\/wp\/v2\/posts\/9927"}],"collection":[{"href":"https:\/\/www.ibpo.com.my\/bm\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ibpo.com.my\/bm\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ibpo.com.my\/bm\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ibpo.com.my\/bm\/wp-json\/wp\/v2\/comments?post=9927"}],"version-history":[{"count":7,"href":"https:\/\/www.ibpo.com.my\/bm\/wp-json\/wp\/v2\/posts\/9927\/revisions"}],"predecessor-version":[{"id":9941,"href":"https:\/\/www.ibpo.com.my\/bm\/wp-json\/wp\/v2\/posts\/9927\/revisions\/9941"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ibpo.com.my\/bm\/wp-json\/wp\/v2\/media\/9928"}],"wp:attachment":[{"href":"https:\/\/www.ibpo.com.my\/bm\/wp-json\/wp\/v2\/media?parent=9927"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ibpo.com.my\/bm\/wp-json\/wp\/v2\/categories?post=9927"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ibpo.com.my\/bm\/wp-json\/wp\/v2\/tags?post=9927"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}