Mortgage loan consultant specializes in refinance & rejected loans since 2018
With knowledge from his 3 years experience in BlueBricks and property insights from another 11 years experience in Property Developer, Chu Yao is well-known for providing one-stop services to his customers effectively and professionally, especially in housing loans, mortgage loans, rejected bank loan,s and refinancing.
Approach Chu Yao and the team! We are confident to help you to resolve your loan issues! Let us know your financial goal, and we understand well how the bank code works.
Believe us, we are specialized and experienced in solving rejected bank loans and we are dedicated to helping you in refinancing, so you can regain loan offers from the bank!
9.28%
Saving in loan fee
99%
Average success rate
BANKS WILL WANT YOUR BUSINESS
We have served many clients who come to us because their loan applications were rejected by banks year after year. You are not alone. We fully understand how devastated you must feel. Do not lose hope. We are here, and we are committed to walking you through the processes right to the end where you get your bank loan approved.
Refinance
Get your refinancing approved hassle-free in 14 days even if banks have previously rejected your application.
Debt Consolidation
Consolidate your debts into a single long-term property bank loan with low interest rates.
Mortgage Loan
We are experts in mortgage loans such as the full-flexible loan, semi-flexible loan, fixed-rate loan and LPPSA loan.
Collateral Loan
We offer advise as well as analyse the benefits and drawbacks of your choice of collateral.
Rejected Bank Loan
We have the expertise in this crucial area of concern. All you have to do is make contact with us and
then let us take it from there.
CASE STUDIES
Real Successful Loan Stories
A client applied for loan of 2.5 million for his first housing loan successfully.
Apart from that, he just started his business 2 years ago, which is also his first and only income source. 2-year is the minimum bar for most of the banks to recognize the income, not to mention he wanted to loan a 2.5 million suddenly whilst the highest loan amount for his existing loan is only RM110k. For your information, banks categorize this kind of case as highly risky for them, hence they normally do not prefer to accept such a big loan amount, especially for the first-time loaner.
However, although we have much challenges, we eventually got his loan APPROVED!
No Bank Statement, No Credit Card, All Cash Income but Loan Approved
Chu Yao gave a site visit to his stall and prepared a detailed report to the bank to prove his income! Finally, he got his loan approved!
How to get loan approved with no credit history and income not stable?
Besides zero credit history, this client was changing his job frequently. This condition and No consistency in EPF contribution reduce the chance of approval as banks think that the income source is not stable and they think it is the high rate that you are not able to pay back the loan.
Mortgage loan is approved with the interview of Chu Yao to that customers to understand his income sources in the past 2 years; submit a report to bank with relevant documents to prove the current income is stable and the reasons why the loan can continue to be repaid.
CLIENT TESTIMONIALS
Perhikmatan yg terbaik.
Noorlisa Idayu
Selangor
Servis terbaik.. Memudahkan urusan buat loan 👍👍👍 highly recommended
Hanif A
Selangor
Perkhidmatan terbaik 😀💪👍
Dzulkifli Zakaria Dzulkifli
Selangor
Perkhidmatan yang bagus dan sangat membantu
Ceritera Almas
Kuala Lumpur
Penjelasan yang baik. Terima kasih. Perkhidmatan yang bagus.
Anuar Hamid
Selangor
Saya amat berpuas hari dengan penerangan dan layanan yg sangat baik.. Untuk sain lo dari Mr Chu Yao
Mohamed Rasnid
Selangor
Perkhidmatan terbaik
Mohd Fadzilysyam
Selangor
Terima kasih kepada Chu Yao mndpatkan pnjaman bank untuk sy.. Sy sgt2 bertrima kasih kpda Chu Yao..
Shafawi Shamshuddin
Selangor
Banker ini jujur dan beri perkhidmatan yang sangat baik kapada saya. Dia telah dapatkan kelulusan pinjaman dari bank untuk saya , dan saya dapat beli rumah untuk keluarga saya. Terima Kasih Banyak Chu Yao.
Tness
Selangor
Syukur..terbaik Tan Chu Yao, walaupon buyer ada masalah loan dia berjaya dapatkan loan, buyer happy sangat..suka berkerjasa dengan dia..😁😁
Rayyan Rabiatul
Selangor
Alhamdulillah akhirnya dapat beli rumah sendiri. Help by mr Chu Yao (CY). Thanks bro! Terbaik! Terima kasih juga pada agent yg menguruskan dan berunding harga yg terbaik👍👍👍👍👍
Azli Mida
Kuala Lumpur
Good service.
Iniman Man
Kuala Lumpur
very helpful and efficient really appreciate the services rendered
Adri Mazlan
Kuala Lumpur
Good services and detailed explanation
Iman Sharif
Selangor
Good services...Nice person I like the job
Sarasumi
Selangor
Honest, good services , answered all my questions.
Suzana
Selangor
Keep updating me regarding my loan house ,very helpful n fast service.
Fathin Amirah Azizan
Selangor
He provided good services to our family on mortgage and loan services. Thank you so much.
Norazilah Sharif
Selangor
Highly recommended to anybody. Very2 helpful. Thank you very much sir..
Hafizi Ibrahim
Selangor
Very good person. Helpful. Highly recommended.
Nizan Sahat
Selangor
CY has been very helpful and knowledgable in all aspects ! Tqvm 🙂
Emy Farah Diyana
Selangor
Mr CY a very helpful person and very knowledgeable..Thanks a lot for your help..highly recommend his services..
Lydia Sri
Selangor
Very good person. Helpful. Highly recommended
Farhan Fauzi
Selangor
Terima kasih Mr. Tan good services for my house loan.
Kalaiarasan Kalai
Kuala Lumpur
CY was introduced to me through another agent. Initially, I was skeptical whether he could help me as my case is quite unique. Sti through his careful guidance and perseverance, he was able to do the impossible. All thanks to him and his ability, I am a satisfied client. Highly recommend his services. Thank you bro. We go yumcha anytime OK.
AiDeWen Awesome
Kuala Lumpur
Thanks alot Mr CY..highly Recommend for mortgage loan..Very fast my loan is approved..I'm really happy thanks for the help..
Sritharan Paramasivam
Kuala Lumpur
He provided very good services to me. Helped me to obtained quite good housing loan package from bank. He also explained in very detailed manner on my options for the housing loan prior to housing loan submission and the detail of my approved housing loan packages.
Naquib Arif
Selangor
Chu Yao is honest and very professional in doing his work. Although my loan approval is very hard to obtain, but he never give up. Thank you so much, Chu Yao, that I managed to buy my first house, with your loan approval.
Kesavan Kesubgai
Kuala Lumpur
Superb services, very informative and helpful. We will definitely use the services again in the future. Thank you Chu Yao
Nini Shazrina Ahmad Shamli
Selangor
Fast approach, best services, smart guidance, trustworthy and reliable.
Nor Liza
Kuala Lumpur
WHY SHOULD YOU CONTACT US?
Call us for a solution when your approved home loan amount is insufficient or if you need an increase within the same home loan.
Get in touch with us when you need help negotiating an extra loan to pay for the valuation and legal fees, renovations, to settle your personal loan, your car loan, for travel or for any other reasons you need the extra cash.
Applying for loans when the current property market value is too high can be as tricky as applying for a bank loan for a property whose current market value is low. We can offer you an efficient solution. Dial us now and let’s work towards getting you the amount you need to proceed.
EXTENSIVE EXPERIENCE
We have helped numerous clients in increasing the said housing loan amount. Also, we helped numerous clients in getting the market value of the property for bank loan application, at the value of as per client request.
GET 30MINS FREE CONSULTATION
We strongly believe in customer satisfaction, accountability and responsibility. Leave us a message and we will get back to you the soonest!