Terms & Conditions - Mortgage & Refinancing Advisory Portal

By accessing or utilizing the home loan refinancing landing page or consultation forms operated by Wong Wah Loon (Real Estate License No: E2382), representing Kingsman Realty Sdn Bhd (Firm Registration No: E(1)1950), you agree to be bound by these Terms & Conditions.

1. Scope of Services & Institutional Non-Affiliation Disclaimer

This portal provides real estate valuation advisory and mortgage refinancing facilitation services.

• Advisory Role: Wong Wah Loon [E2382] and Kingsman Realty Sdn Bhd act as independent property advisers and mortgage referral facilitators. We are NOT a financial lender, licensed bank, or direct money issuing institution.
• Banking Institutions: References to banks (e.g., Maybank, CIMB, Public Bank, RHB) are for general referral and comparison context. We do not claim official ownership or direct representation of banking corporations.

2. Refinancing Calculations & Loan Approval Disclaimer

• Estimations Only: Any cash-out estimates, monthly installment savings figures, or interest rate comparisons provided on this website or via consultations are estimations for general guidance only.
• Bank Approval Criteria: Final loan approvals, official interest rates, lock-in periods, and valuation margins are strictly determined by commercial banking underwriters based on individual borrower credit scores (CTOS/CCRIS), income assessment, and formal property valuation reports.

3. Lead Submission & Consent to Contact

By submitting your phone number or financial parameters via our online opt-in forms:

• You confirm that you are the lawful owner of the submitted contact details and property parameters.
• You grant express authorization to Wong Wah Loon [E2382], Kingsman Realty representatives, and accredited panel bank specialists to contact you via Phone Call, SMS, WhatsApp, or Email regarding your refinancing assessment.

4. Limitation of Financial Liability

Wong Wah Loon and Kingsman Realty Sdn Bhd shall not be held liable for any decisions, financial commitments, rejected bank loan applications, or fees incurred by users during formal mortgage application procedures with financial institutions.

5. Contact Information