Be your financial safety net and be worry-free
No credit report check required
Even mortgaged properties are eligible for second mortgage loans
Cash in your hands, fast
Principal & interest repayments or interest-only repayments options
Up to 240 months
When Banks say no
We say GO！
A refinance mortgage allows you to replace your existing mortgage with a new one, usually to take advantage of better interest rates and different terms or to access the equity in your home. It can provide a more manageable monthly payment or allow you to consolidate debts.
This type focuses on changing the interest rate and loan term of your existing mortgage. You can potentially lower your monthly payment by extending the loan term or lock in a lower interest rate with a shorter term.
This allows you to access the equity you’ve built up in your property by borrowing more than your current mortgage balance. The difference between the new loan amount and your existing mortgage balance is given to you in cash.
This option enables you to leverage any increase in your property’s value to access additional cash or secure a lower interest rate. This can be beneficial if you’ve made significant improvements to your property or if the market value has risen since you purchased it.
Borrow as much as you need
Flexible repayment options
Simplify the process , Save time & efficiency
No credit rating checks required
Get quick access to the funds you need
Private buildings, public housing, village houses, shops, commercial spaces
Co-owned or sole-owned, we’ve got you covered
Traditional Bank |
Credit KO (Second Mortgage Lender) |
|
|---|---|---|
|
Document |
|
ID Card、Address |
|
Cash Transfer Time |
30-60 days at least |
15mins approval |
|
Loan Amount |
Up to 50% of the property value (excluding Mortgage Insurance Scheme) |
Up to 20 million or 80% of the property value |
Don’t let Hong Kong’s property market leave you behind. Second mortgage companies like Credit KO can help you unlock the equity in your property and achieve your financial goals. Here’s how to do it:
Just a few simple steps to fill in your property information and apply for a second mortgage or refinance loan.
Upload your property's loan agreement or mortgage contract, and let us handle the rest.
We will notify you via WhatsApp with the detailed approval information in as little as 15 minutes.
Arrange an appointment with the attorney on the same day to process the relevant second mortgage or refinance loan documents.
Fill out the application form below to contact our second mortgage loan adviser in Hong Kong.
Credit KO aims to break the boundaries of traditional loans and revolutionize loan services in Hong Kong. We offer a wide range of online personal loan products, including second mortgages, to cater 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.
KO your loan matters
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:
To apply for a refinancing mortgage with Credit KO, follow the same simple steps as applying for a property mortgage loan.
As one of the leading second mortgage companies in Hong Kong, our streamlined process here at Credit KO ensures you can efficiently access a refinance loan to meet your financial needs.
Mortgage Loan Made for You
