Second Mortgage

Unlock Your Property Potential

Supercharge Your Cash Flow with Property's Second Mortgage!

The Advantages of Second Mortgage


Be your financial safety net and be worry-free

No Impact Credit Report

No credit report check required

Up to 80% of the Property Valuation

Even mortgaged properties are eligible for second mortgage loans

24-Hour Loan Approval

Cash in your hands, fast

Annual interest rates starting as low as 8%

Principal & interest repayments or interest-only repayments options


Up to 240 months

Second Mortgage

When Banks say no

We say GO!

What is Refinance?

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.

Benefits of Refinancing

  • Lower your interest rate: Save thousands on your mortgage over time.
  • Access cash equity: Get cash from your home’s value for improvements, education, or debt consolidation with a cash-out refinance.
  • Consolidate debts: Simplify payments and potentially save on interest by combining debts into a single refinance loan.
  • Pay off your mortgage faster: Shorten your loan term and save on overall interest with a refinance.

Types of Refinance

Rate-and-Term Refinance

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.

Cash-Out Refinance

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.

Valuation Refinance

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.

Why Choose Us for Your Second Mortgage or Refinance Loan Needs in Hong Kong?


Borrow as much as you need


Flexible repayment options


Simplify the process , Save time & efficiency


No credit rating checks required

Unlock the Value of Your Property

Get quick access to the funds you need

No Restrictions on Property Type

Private buildings, public housing, village houses, shops, commercial spaces

Co-Owned Properties Welcome

Co-owned or sole-owned, we’ve got you covered

Traditional Bank
Credit KO (Second Mortgage Lender)


  • 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 Apply for a Second Mortgage and
Unlock your property's potential!

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:

Fill in the Mortgage Application Form

Just a few simple steps to fill in your property information and apply for a second mortgage or refinance loan.


Upload the Documents

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


Fast Home Loan Approval

We will notify you via WhatsApp with the detailed approval information in as little as 15 minutes.


Sign the Mortgage Aggrement in the Law Firm

Arrange an appointment with the attorney on the same day to process the relevant second mortgage or refinance loan documents.


Property Mortgage Client Reviews

Want to Learn More?

Fill out the application form below to contact our second mortgage loan adviser in Hong Kong.

Who are we?

About Credit KO

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.

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.

To apply for a refinancing mortgage with Credit KO, follow the same simple steps as applying for a property mortgage loan.

  1. Complete the online refinance application form.
  2. Upload the necessary documents related to your existing mortgage.
  3. Receive approval within a short period, often as little as 15 minutes.
  4. Visit the lawyer’s office to sign the refinance mortgage documents.

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.

Further Inquiry contact our Mortgage Specialist

Mortgage Loan Made for You