FIRST
PROPERTY MORTGAGE

We Made Approval of Mortgage Loan in Hong Kong Easy for You

NO
HANDLING FEE

Borrow as much as you need

NO
EARLY SETTLEMENT CHARGE

Flexible repayment options

NO
INCOME PROOF REQUIRED

Simple process to save time

NO
CREDIT RATE CHECK

No credit rating checks are required

FIRST MORTGAGE

When Banks say no
We say GO!

長命契

Private residences, public housing, tenement floors, villas, village houses, offices, shops, factories, and car parking spaces are eligible for our mortgage property services.

All property types are eligible

More Flexible & Faster than a Banks

未補地價居屋

Enjoy competitive mortgage options with annual interest rates starting as low as 8%, designed to make your borrowing affordable in HK.

No Impact Credit Report

物業套現

Take advantage of a high property value ratio with a property valuation of up to 80%, maximizing your borrowing potential.

Unlock your Property's Potential

Tailored Mortgage Loan Services with Easy Approval Process 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 you get a smooth borrowing experience.
Whether you're looking for instant home loan approval or the fastest mortgage loan approval, we've got you covered. Our easy approval mortgage loans are designed to make your experience seamless and efficient.


No restrictions on property age!

For any property type

No Credit Report Check Required

No impact on your credit score

Instant Home Loan & Mortgage Approval

Hong Kong’s fastest home and mortgage loan approvals, in as little as 15 minutes. Enjoy instant home loan and mortgage approvals to meet your financial needs swiftly.

Maximum Mortgage Amount $20M

No lawyer or valuation fees

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%

YOUR PROPERTY Can
Transform Your Destiny

Flexible cash-out options

We strive to get you the highest property valuation in HK, along with the most favorable mortgage interest rates and rewards. At Credit KO, we make it easy for you to apply and get approval for a property mortgage loan. Whether you're considering a bank mortgage or an alternative option, our tailored services ensure a smooth process. Mortgage insurance is also available to protect your investment and give you peace of mind.

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 Flats

Factory/Commercial Building

Shops

Car Park

Simplify the process

Fast and efficient home loan approvals

Traditional Banks Mortgages
Loans From Credit KO

Document
Required

  • ID Card

  • Address Proof

  • Title Deed

  • Tax Statement

  • Job Contract

  • Salary Slips from the most recent 6 months

  • Bank Statements from the most recent 6 months

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 to
Unlock your property's potential!

Fill in the Mortgage Application Form

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

1

Upload Documents

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

2

Fast Home Loan Approval

We will notify you via WhatsApp with the detailed approval information in as little as 15 minutes. Our process is designed to provide instant approval for mortgage loans, ensuring you get the funds you need with fast home loan approval. Whether you're applying for a bank mortgage or need instant mortgage approval, we make the process simple and efficient.

3

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.

4

Property Mortgage Client Reviews

Learn More?

Fill in the application form below to contact our Loan Adviser

Who are we?

About Credit KO

Credit KO aims to revolutionize loan services by breaking the boundaries of traditional loans. 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 borrowing and financial needs, ensuring the most flexible, efficient, personalized, and customer-friendly loan options and professional service experience. Whether you’re seeking a mortgage in Hong Kong, looking for competitive HK mortgage rates, or are interested in reverse mortgage services, we offer innovative solutions to meet your needs.

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 than those of traditional bank mortgages. There is no requirement for stress testing or proof of income, and personal credit checks (TU/TE) are unnecessary. Simply provide personal information, property details, and company information to access the loan and meet your financial needs easily. Enjoy the convenience of a quick approval process, with the possibility of approval within 30 minutes. Our easy approval mortgage loans are designed to make your experience as smooth as possible.

The loan amount for property mortgage loans depends on 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 with easy approval mortgage loans and competitive mortgage rates in HK.

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

  1. Click Here to 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.

Mortgage interest rates for first property loans in HK are primarily based on the Hong Kong Interbank Offered Rate (HIBOR), which the Hong Kong Association of Banks determines. Other factors that can influence mortgage rates include the prime rate, set by banks based on their costs, and the loan-to-value ratio (LTV). The Hong Kong government also implements measures to regulate the property market, which can indirectly affect mortgage rates. To protect your investment, consider our mortgage insurance options.

The maximum loan-to-value (LTV) ratio allowed when taking out a mortgage in Hong Kong varies depending on the type of property and the borrower’s financial situation. For residential properties, the maximum LTV is typically 60-90%, with higher ratios allowed for first-time homebuyers. However, the Hong Kong Monetary Authority (HKMA) has implemented measures to tighten lending standards, which may result in a lower maximum LTV for high-value properties.

In Hong Kong, a first mortgage is a loan taken out to purchase a property, while a reverse mortgage is a loan taken out against the equity of a property that is already owned. In a first mortgage, you make regular payments to the lender, gradually paying off the loan and building equity in the property. On the other hand, a reverse mortgage, a program managed by the Hong Kong Mortgage Corporation (HKMC) and available to pensioners aged 55 and above, allows homeowners to borrow against their home’s equity, typically without having to make regular payments. The loan is usually repaid when the homeowner sells the property or passes away. Older homeowners in Hong Kong commonly use reverse mortgages to supplement their income in retirement.

For Further Inquiry, contact our Mortgage Specialist

Mortgage Loan Made for You