Property Owner Loan

Unlock Your Property Potential

Property Owner's Loan

Co-owned or Sole-owned are applicable

No Title Deed , No Collateral Required

Collateral Free

No Land Deptartment Registration

Simple and Quick Procedures

No Affect other Mortgages

Ensuring freedom from Mortgage recall by banks!

Higher Loan Amount

Offer higher loan amounts than Personal Loan

Quick Cash within 24hr

Fully cash-out the Property Value

Property Owner Loan

When Banks say no

We say GO!

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

Your Ideal Partner in Property Owner Loans

Credit KO's homeowner loan doesn't require registration with the Land Department, allowing you to get instant cash without the need for property deeds. Cash out the value of your property and use it to pay off high-interest debts or meet short-term cash needs. Contact our loan specialists now to tailor your loan plan.

Maximum Mortgage Amount $20M

Free lawyer fee , Free valuation fee

HOS/TPS Home Owners are applicable

No Title Deed , No Collateral Required

Long Tenor Period

Up to 120 months

Lower Interest Rate than Personal Loan

Annual interest rates starting as low as 12%

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

Unlock the Value of Your Property

Get Quick Access to the
Funds You Need

No Restrictions on Property Type

Private Building, Public Housing, Village House, Shops, Commercial Space

Co-Owned Properties Welcome

Co-owned or Sole-owned
We've Got You Covered

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

you might ask

Frequently Asked Questions


When applying for a Home Owners 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 Loan Specialist

Mortgage Loan Made for You