Mortgage Loan Made for You


Borrow as much as you need


Flexible repayment options


Simplify the process , Save time & efficiency


No credit rating checks required


When Banks say no
We say GO!


private residences, public housing, tenement floors, villas, village houses, offices, shops, factories, car parking spaces.

All property types are eligible

More Flexible & Faster than a Bank


Annual interest rates starting as low as 8%

No Impact Credit Report


Property Valuation Up To 80%

Unlock your Property Potential

Tailored Mortgage Loan Services Designed Specifically for Property Owners

Looking for the perfect property mortgage service?
Our Mortgage Specialists are here to tailor the most suitable mortgage plan for every property owner. We provide professional advice and answer any questions you may have about property loans, ensuring a smooth borrowing experience.

No restrictions on property age!

For any property type

No Credit Report Check Required

No impact on your credit score

Qucik Approval


Maximum Mortgage Amount $20M

Free lawyer fee , Free valuation fee

High Property Value ratio

Up to 80% of the property value

Long Tenor Period

Up to 120 months

Low Interest Rate

Annual interest rates starting as low as 8%

Transforming Destiny

Flexible cash-out options

We strive to get you the highest property valuation, along with the most favorable mortgage interest rates and rewards, making it easy for you to apply for a property loan

Property Type

Credit KO's mortgage loans have no restrictions on property age and cover a wide range of property types. We accept the following property types

Private Building

Public Housing

Tenement Floor

Factory/Commercial Building


Car Park

the process

Save time & efficiency

Tradional Bank


  • ID Card

  • Address Proof

  • Title Deed

  • Tax Statement

  • Job Contract

  • Latest 6 mths Salary Slip

  • Latest 6 mths Bank Statement

ID Card、Address

Cash Transfer Time

30-60 days at least

15mins Approval
Cash transfer within 24hr

Loan Amount

Up to 50% of the property value (excluding Mortgage Insurance Scheme)

Up to 20 million or 80% of the property value

Just 4 Simple steps
Unlock your property's potential with a breeze!

Fill in the Mortgage Application Form

Just a few simple steps to fill in your property information.


Upload the docouments

Upload your property's loan agreement or mortgage contract and let us handle the rest.


15mins Quick Approval

We will notify you via WhatsApp with the detailed approval information.


Sign the Mortgage Aggrement in the Law Firm

Arrange an appointment with the attorney on the same day to process the relevant property loan documents.


Property Mortgage Client Reviews

Learn More?

Fill in the application form below to contact our Loan Adviser

Who we are?

About Credit KO

Credit KO aims to break the boundaries of traditional loans and revolutionize loan services. We offer a wide range of online personal loan products, catering to the needs of the new generation. Our goal is to provide quick solutions for all types of borrowing and financial needs, ensuring the most flexible, efficient, personalized, and customer-friendly loan options and professional service experience.

Credit KO

KO your loan matters

you might ask

Frequently Asked Questions


When applying for a property mortgage loan with Credit KO, the procedures and approval conditions are more flexible compared to traditional banks. There is no requirement for stress testing or income proof, and personal credit checks (TU/TE) are not necessary. Simply provide personal information, property details, and company information to easily access the loan and meet your financial needs. Enjoy the convenience of a quick approval process, with the possibility of approval within 30 minutes.

The loan amount for property mortgage loans depends on factors such as the customer’s credit rating, income, occupation, and financial condition. Credit KO offers property mortgage loans of up to HK$20 million, with no processing fees (including lawyer’s fees and valuation fees). Additionally, the repayment period can be as long as 120 months, providing flexibility and freedom in repayment. Let us assist you in transforming your life through property ownership.

To apply for a Credit KO property mortgage loan, simply follow these four easy steps:

  1. Click Here Fill out the valuation application form.
  2. Upload the required documents.
  3. Receive a quick approval in as little as 15 minutes.
  4. Visit the lawyer’s office to sign the mortgage loan documents.

Further Inquiry, contact our Mortgage Specialist

Mortgage Loan Made for You