Building Trust.
Delivering Solutions.
Most Malaysians leave tens of thousands of ringgit on the table when buying property — wrong bank, wrong rate, wrong structure. We make sure you don't. Free consultation. No obligation.
We Unlock the Door 🗝️ — You Walk Through It
Most loan advisors just submit your application and wait. We don't. At RMS, every submission is a team effort — we study your profile, match you to the right institution, and fight for your rate. Because your approval matters more to us than our commission.
Real People. 📑 Real Approvals.
Numbers don't lie. Every figure below is pulled directly from actual bank approval letters — not estimates, not projections. This is what we do for our clients.
Two clients purchasing high-value properties (SPA RM 1,626,500 & RM 1,632,620) secured Islamic Equity Home Financing with Redraw Mechanism at 3.60% (SBR+0.85%). Both came with cashback packages and MLTT coverage — total loan amounts of RM 1.52M each. Installments: RM 7,571 and RM 9,757/month.
RHB approved RM 390,000 at 100% margin — zero down payment — at 3.85% with RM 24,075 total cashback after fees. A second RHB client got RM 380,000 at 3.65% (low rate). Maybank approved RM 357,652 at 3.60% — installment only RM 1,552/month. All three had clean CCRIS.
Ahmad Daniel secured an Islamic house loan of RM 399,998 at 3.9%, 35 years — clean CCRIS, RM 1,748/month. More remarkably: Thinakaran, a lorry driver flagged as poor CCRIS, was approved for RM 361,000 at 95% LTV on a Villaria Condominium — RM 1,780/month. The banks that said no were simply the wrong banks.
Everything Your Property Journey Needs 🏗️
One advisor. All six services. From the moment you find a property to the day you're fully protected — we cover every step so nothing falls through the cracks.
Your first home — or your fifth investment. We compare packages across all major Malaysian banks and secure the rate and structure that fits your profile. Not just any approval. The right approval.
Still on a 4.5% rate from 2018? You could be overpaying by hundreds every month. We identify refinancing opportunities that cut your rate, reduce your installment, or put cash back in your pocket.
Juggling three loans and two credit cards? We've helped clients collapse multiple high-interest debts into a single manageable mortgage — cutting their DSR from 82% to 54% and clearing the path to a new property loan.
Property law is complex — the wrong clause in an SPA can cost you dearly. Our trusted panel of lawyers manages title searches, sale & purchase agreements, and full legal compliance so your ownership is airtight.
If the unexpected happens, the last thing your family should worry about is the mortgage. MRTA and MLTA ensure your loan is settled — so the home stays yours, no matter what. We advise on the right structure and coverage level for your loan.
A loan is a long-term commitment. Your protection should be too. From auto and home coverage to life plans that care for your dependants, we match the right policy to your life stage — without the hard sell.
Your Dream Home in 3 Steps 🏡
We've helped hundreds of Malaysians navigate the loan maze. Here's how we make it simple for you.
Share Your Numbers — Takes 5 Minutes
Tell us your income, existing commitments, and what you're looking to buy. That's it. No forms. No credit checks. Just a WhatsApp message to Janice — and we'll run your free DSR assessment on the spot.
We Match You to the Right Bank
Not all banks are equal — and not all banks suit all borrowers. We know which institutions are approving profiles like yours right now, at the best available rate. No guessing. No wasted hard enquiries on your CCRIS.
Get Approved — Collect Your Keys
We handle the paperwork, liaise with the bank, and keep you updated every step of the way. The fastest we've turned around an approval? 2 days. Most clients are approved within 4–6 weeks — faster than going it alone.
Know Your Number Before You Walk Into a Bank 📊
Most buyers find out their maximum loan only after applying — and damaging their CCRIS. Use this tool first. Know your affordability, your max loan, and your monthly repayment before you commit to anything.
Income & Loan
Your take-home pay and income sources determine your borrowing capacity.
Commitments
All existing monthly obligations reduce your available borrowing room.
Loan Details
Adjust sliders or type directly. Results update instantly.
Want to compare rates across Malaysian banks? Janice advises on the best loan structure — free for our clients.
Get Mortgage Advice from JaniceProperty Details
Enter property value and rent to compute gross and net yield.
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Want to know if this property is worth financing? Janice can compare loan packages to maximise your net yield.
Get Yield Advice from JaniceLoan Details
Model your financing to see net return after debt service.
Ready to structure this investment? Janice compares all major bank packages — free for our clients.
Structure My Investment LoanYour First Step Costs Nothing.
A 5-minute WhatsApp conversation with Janice could save you RM 50,000 over the life of your loan. Property valuation, loan eligibility checks, and rate comparisons — all free, all on your schedule, 24/7.
Frequently Asked Questions
Everything you need to know about home loans, DSR, and how RMS2U can help you secure the best deal.