Refinance · Case study
Take out the bank. Release equity. Keep first charge clean.
Illustrative refinance / cash-out — ~65% LTV after redeeming a small existing charge. No income proof. Placeholder pending client demo.
Johor Bahru, Johor
JB shop lot — equity release
Illustrative / placeholder case study — figures and narrative are representative, not a named client testimonial. Swap for a real demo when ready.
Facility
RM 1,050,000
LTV
65% LTV
Tenor
18 months
From 12% p.a. (indicative) · First charge · No income documents required
Situation
The clock that mattered.
Owner of a ground-floor shop lot needed liquidity for a business acquisition. Existing bank charge was small relative to value; bank cash-out packaging was slow and income-heavy. Client wanted an asset-led path.
How it was structured
Redeemed the existing charge on completion into a new first-charge facility sized to assessed value. Cash released to client after costs. Income documents were not part of the pack — title, valuation, and redemption statement drove the file.
Outcome
Equity released; clean first-charge security for the funder. Illustrative figures only.
What was ready
- Title + existing charge / redemption statement
- Estimated market value
- Cash need + use of funds
- Owner NRIC / SSM — no income pack