Financial Decisions Made Simpler - Your Journey Starts Here
At MET Advisory, we make financial decisions simpler. Whether you are applying for a home loan, refinancing your existing mortgage, securing your family's future, planning your estate or building long-term wealth, our specialist departments handle the process from start to finish — working with more than 12 licensed Malaysian banks, plus an exclusive partnership with a leading insurer, at no cost to you.
Our Services
Five Specialist Departments, One Firm
We take a personalised approach to every financial decision. Rather than sending you from bank to bank, we access your profile once and identify the institutions that genuinely suit it. This tailored approach reduces the risk of mismatched offers and helps ensure you don’t miss the best one available - and it applies whether you are financing a home, protecting your wealth, or planning what happens to your estate.
Mortgage Loan
Application Services
First-time buyers, sub sales, refinancing and investment properties. We assess your DSR and CCRIS, match you to the right lender, and manage the application through to disbursement.
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Personalised Wealth Management
A retirement and fixed-income plan shaped around your risk appetite and timeline - not around a product.
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Insurance Planning
Mortgage protection, income protection, legacy insurance protection, medical coverage, and Old Age Disability (OAD) insurance - sized against your actual exposure and consolidated into fewer policies, rather than oversold.
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Will Writing Services
A simple will starts from RM600. We help you make sure your estate passes to the people you intend, rather than by statutory formula.
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SME Loan Application
Working capital, expansion and asset financing for Malaysian businesses. We prepare the documentation banks expect and match your company to lenders whose criteria fit.
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We’ll go the extra mile to help You Make the Right Financial Decision.
Fast Response
We are with you for the life of the loan. We often help customers with multiple loans over time and provide assistant whenever needed.
No Hidden Charges
We don’t charge you anything for our advice. No consultation fee, no processing fee, On loan services, we’re paid by the bank once your loan is released.
Reliable Information
We present the options and the facts, so you can make an informed decision - whatever you are planning.
One-stop Solution for All Financial Services
We keep the application process simple by managing the paperwork on your behalf right through to loan release.
Partnering with 12+ licensed Malaysian banks to find rates and terms that match your profile - whether that’s a home loan, refinancing, protection plan, or a wealth facility.
2009
MET Advisory was set up
17+
Years of experience
200mil.
Approvals in a year
12+
Bank partners
3
Office locations
Applying for a home loan?
Start with these four things. Before any bank looks at the property, it looks at your profile. These are the four factors that decide most Malaysian home loan applications.
Employment Type
Business owner, salary earner, commission earner.
Debt Service Ratio (DSR)
It includes your total monthly instalments over your monthly net income.
CCRIS
CCRIS report is the key to loan application.
MRTA / MLTA
Understanding mortgage insurance coverage selections for your loan.
Debt Service Ratio (DSR)
It means that a method used by banks to calculate whether you can afford the loan you’re applying for.
In general, this formula essentially helps the bank estimate how much you can still afford to fork out for your monthly instalments.
Your DSR is then compared against the bank’s maximum allowable DSR limit, and if your DSR doesn’t exceed the limit, you’re one step closer to receiving the home loan you applied for.
In fact, every bank has their own distinct requirements depending on the individual profile, so while certain banks may accept a DSR as high as 80%, others might cap it at only 50%.
Don’t get confused just yet! Here’s an example of what the formula looks like:
Central Credit Reference Information System (CCRIS)
We always heard of CCRIS Report, it is a system created by Bank Negara Malaysia’s (BNM) Credit Bureau to provide standardized credit report on potential borrower.
What’s included in the CCRIS report? It includes the borrower’s outstanding credits, special attention account and applications for credit within the last 12 months.
How do I get the CCRIS Report? There are a few ways to get your up-to-date report in the market. We always encourage to visit the eCCRIS Portal as it is the helpful CCRIS online platform that provides simple and secure access to your CCRIS Report whenever you need, and it’s free!
MRTA / MLTA
In Malaysia, there are two types of insurance offered for housing loans.
Which is more cost effective for you? Each comes with different perks and disadvantages.
Table
MRTA
MLTA
Protection Level
Reduces throughout the loan tenure
Stay consistent throughout the loan tenure
Transferability To Other Property
No
Yes. It can be attached to any loan
Cash Value / Cash Back
RM 0 at the end of tenure
With Cash Value throughout the policy premium
Beneficiary
Bank Only
Anyone
Coverage Options
Death
TPD
Death
TPD
Critical Illness
Documents Checklist
- NRIC copy
- 6 months pay slips / commission slip / payment voucher
- 6 months salary bank statement
- Detailed EPF statement
- EA Form / Borang BE with tax receipt
- Supporting documents (fixed deposits, savings, shares, rental)
- NRIC copy
- Company SSM registration full set (Sole proprietor & partnership)
- Form 9, 24, 49 (For Sdn. Bhd.)
- 6 months company bank statement
- 3 months pay slips (If applicable)
- Salary bank statement (If applicable)
- Detailed EPF statement (If applicable)
- 2 years of Borang B with tax receipt
- Supporting documents (fixed deposits, savings, shares, rental)
Not sure which category applies to you, or missing some of these documents? Send us what you have and we will tell you what else is needed.
With our strong financial consultation experience, in-house legal advisors and licensed consultants, our specialised departments provide comprehensive one-stop solutions to our valued clients.
We have been in business since 2009, MET Advisory Malaysia Sdn. Bhd. stands as a premier financial advisory firm which includes services related to Mortgage, Estate and Trust. We take immense pride in our dedicated team of seniors’ specialist who diligently handle all clients.
Whatever you’re planning, start with a conversation. Our consultants will give you an honest assessment at no cost.
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