Credit Diagnostics
If money has been feeling heavy lately and every
If your instalment is getting heavier, or the interest feels too painful, it’s normal to wonder if there’s a better way. Refinancing can help, but only when the numbers really make sense.
This service helps you compare your current loan against better structures, then decide the next step with clarity. No rushing, no pushing. Just a calmer, smarter move.
What You’ll Get
After this, you’ll walk away with:
- A clear comparison of your current loan versus refinancing options
- Whether refinancing really reduces your monthly burden, or just extends the pain
- A simple view of total cost, fees, and trade-offs
- The safest direction based on your situation
- What to prepare so the process is smoother
- A step-by-step plan, even if the answer is “not now”
What We Do
We keep it practical. We look at your current loan details, your commitments, and your goal, then show you the options in plain English so you can decide with confidence.
- Current loan review
- Option comparison and savings check
- Next-step plan and documents
Quick Questions... Quick Answers
When it lowers your monthly instalment, improves the structure, or helps you regain breathing room. If the savings are tiny or the cost is too high, we’ll tell you straight.
Not always. Some plans look cheaper monthly but cost more overall because of longer tenure or fees. We’ll help you see the trade-offs clearly.
Sometimes. But it depends on your situation and what the bank is willing to consider. We’ll guide you on the most realistic route.
Refinancing itself isn’t “bad”, but applying blindly to many banks can be stressful and unhelpful. We focus on choosing the right direction first.
Your current loan statement, basic income info, and your goal. If you have CCRIS, it helps, but we can start even without it.