Mortgage & Refinancing Disclaimer

Effective Date: August 9, 2026

1. Advisory & Non-Lender Status

This website and its landing pages are operated by Wong Wah Loon (Real Estate Agent License No: E2382), representing Kingsman Realty Sdn Bhd (Firm Registration No: E(1)1950). We are independent real estate representatives and mortgage referral consultants. We are NOT a financial institution, bank, licensed moneylender, or credit card issuer.

2. Loan Approval & Interest Rates Disclaimer

All loan figures, cash-out estimates, interest rate comparisons, and monthly payment savings shown on this website or discussed during consultations are provided strictly for general illustration purposes. We do not guarantee bank loan approvals, specific interest rates, or loan margins.

Final loan approval and credit assessment are strictly subject to individual underwriting guidelines, CCRIS/CTOS credit checks, property valuation reports, and approval by commercial banking institutions in Malaysia.

3. Institutional Trademarks

Any bank logos, brand names, or financial product names mentioned on this site belong to their respective trademark owners. Mention of commercial banks (e.g., Maybank, CIMB, Public Bank, RHB, Hong Leong Bank) does not imply direct endorsement, ownership, or official partnership between Kingsman Realty Sdn Bhd and the respective banks.

4. Contact Information