#1 Home Loan Refinance Malaysia

Refinance to Lower Your Instalments & Unlock Cash Savings Today

Compare top home loan refinance rates from major Malaysian banks. Use our guided process to find the best deal for your house or property and start saving every month

Our Solution

No Loan Problem Too Big – We Can Help You Get Approved

Worried about getting your loan approved? If you’ve had past rejections, have other loan commitments, or worry about your money situation, we can help. CTMAG specializes in solving tough loan problems every day. With over 20 years of banking expertise, we know how to secure your approval. No problem is too big.

Why Homeowners Trust CTMAG for Loans?

High Approval Success Rate >93%

We match your profile to the right bank and portfolio—no guesswork.

90% of Consultants Were Bankers

We’ve worked inside the system, so we know how to navigate it for faster approvals and smarter strategies.

20+ Years of Experience

Our team brings deep industry insight to every case, positioning your application for success.

Direct Access to Bank Credit Teams

No runners. No middlemen. Just faster, more accurate processing and full confidentiality.

Zero Consultation Fees

Get expert advice with no upfront cost, no hidden charges.

End-to-End Support

From eligibility checks to post-settlement follow-up, we handle everything so you don’t have to.

How We Deliver

20 years of experience turning challenges into approvals

Every homeowner’s journey is different. That’s why CTMAG doesn’t just list options, we deliver results. With two decades of navigating Malaysia’s banking system, we know how to:

See how much you can save and cash out today!

About Us

Who We Are

Award-winning & licensed mortgage experts recognised by Malaysia’s top banks. The team behind your “Approval”

Named Top Mortgage Outsource Service Provider 2024, we offer licensed, confidential support with direct access to bank credit teams. Our consultants guide you end-to-end—so you can refinance with clarity, confidence, and peace of mind. We’re proud to have earned this national recognition for three consecutive years, a testament to our consistent results and client trust.

Trusted by Thousands. Recognized Nationwide.

We’re ex-bankers, strategists, and client advocates who know the system, and how to work it for you. From first call to final approval, we guide you through refinancing with clarity, empathy, and results.

Award-winning consultancy

Our Guarantee

100% Licensed. Compliant. Confidential

CTMAG is a licensed outsourced mortgage consultancy, fully compliant with Bank Negara Malaysia’s standards. We work directly with bank credit teams to ensure faster processing, accurate matching, and full confidentiality of your information.

Client Reviews

Lets see what our client says about us

Kelly Yeow

Developer Office

“Carmen is efficient, hands-on, and dedicated, putting in her utmost best effort to assist prospective buyers secure loans. Her deep product knowledge made the entire experience smooth and reassuring."

Yong Siew Kuen

Regional Agency Development Director

“Me and my husband had the pleasure of working with Carmen for more than 10 years. Carmen was with us in our home-buying journey, from a house for two to the house for five. From the very beginning, she is transparent, knowledgeable, and incredibly responsive. She took the time to explain every step of the mortgage process, offered us the best options based on our financial situation, and secured a great rate that worked for our budget. What could have been a stressful experience turned into a smooth and confident transaction - thanks to her expertise.

We highly recommend Carmen to anyone looking for personalized and professional mortgage services."

Siti Noor Shakinah & Wiri Arta Kumala

Directors of Gibraltar Enterprise

“Huge thanks to Miss Teing Teing for helping us get our home loan approved! She’s not only super friendly and easy to talk to, but also very knowledgeable and efficient. She made the whole process smooth and stress-free. Our dream of owning our first home has finally come true — all thanks to her support. Truly one of the best – highly recommended!”

Teh SM

Lawyer

“Vennie is more than just a trusted mortgage advisor but also a valued and best friend. I have personally witnessed and truly admire her genuine effort and whole heartedly dedication in helping clients, whether it is patiently explaining every step of the loan process or going above and beyond to secure the best outcome and solution.

Her integrity and dedication are evident in all her doings, and I am always proud to recommend her."

Tan PF

CFO Ex Symphony and OCR

"I had the pleasure of working with Vennie both personally and professionally for over ten years. She is both my personal financial consultant as well as the trusted mortgage advisor for the property development company where I was the Chief Financial Officer.

Vennie’s background with a top-tier bank has equipped her with a deep understanding of industry practices and the nuances of credit review. Her expertise allows her to offer timely, insightful advice and recommend financial products that are both appropriate and beneficial. When she transitioned into private practice, I have continued to rely on her services without hesitation. What sets Vennie apart is her exceptional attention to detail and her thorough approach to reviewing credit documentation. Her efficiency and proactive follow-up have consistently ensured that mortgage matters are handled smoothly and finalized quickly, with minimal hassle. I highly recommend Vennie to anyone seeking a knowledgeable, reliable, and results-driven." professional for mortgages and other financial services.

Ong Foo Kiat

Investment Manager

I'm truly grateful for the personalised service I received from Carmen. She treated my goals like her own, explored every option, and always offered the best solutions. I could be completely transparent with her, and she always had my best interests at heart.

Ready to Refinance?

Get a Free Eligibility Check Today

Fast response. No obligation. 100% confidential.

Answers to our most frequently asked questions

If you have any additional questions or concerns not addressed in our FAQs, please don’t hesitate to speak directly with our friendly consultant.

What is Mortgage Refinancing?

Why should I choose a mortgage consultant over going directly to the bank?

Choosing a mortgage consultant over going directly to the bank can offer several advantages, especially if you want a smoother and more personalized loan process. Here’s why:

1. Access to Multiple Loan Options
Banks only offer their own loan products, while mortgage consultants compare multiple banks to find the best deal for you. They can secure better interest rates and loan terms that you might not get on your own.

2. Higher Chances of Loan Approval
Consultants pre-qualify you before submitting your application, reducing the risk of rejection. They know which banks have flexible approval criteria, especially if you have a lower credit score.

3. Saves Time & Effort
Instead of visiting multiple banks, a consultant does the research and paperwork for you. They handle the entire loan process, from application to approval.

4. Expert Financial Guidance
Consultants analyze your financial situation and recommend the best loan structure. They help you understand hidden fees, loan tenure, and repayment strategies.