Property First Mortgage Loan Plan
Property Second Mortgage Cash-out Plan
Mortgage Refinancing at Reduced Rates
Owner's Private Loan Plan
Why choose Instant Credit?
One-stop loan
A variety of loan products are available, regardless of whether you own property or not, and for both large and small loan amounts.
A variety of loan products are available, regardless of whether you own property or not, and for both large and small loan amounts.
Guaranteed Reliability
A finance company specializing in all types of mortgages, with strong financial backing and years of experience.
A finance company specializing in all types of mortgages, with strong financial backing and years of experience.
Simple and Fast Approval
No complicated documents required; approval in 15 minutes and funds disbursed within 24 hours.
No complicated documents required; approval in 15 minutes and funds disbursed within 24 hours.
Extra-Large Loan Amount
No upper limit, can be used repeatedly without restriction, flexibly tailored to your needs.
No upper limit, can be used repeatedly without restriction, flexibly tailored to your needs.
Maximum Interest Savings
Extremely low interest rates, flexible repayment periods, and interest calculated daily to reduce your interest expenses.
Extremely low interest rates, flexible repayment periods, and interest calculated daily to reduce your interest expenses.
$0 Miscellaneous Fees
No handling fees, legal fees, or appraisal fees; 100% of the loan amount is disbursed.
No handling fees, legal fees, or appraisal fees; 100% of the loan amount is disbursed.
Instant Mortgage．Instant Approval．Instant Completion — A specially arranged express mortgage plan tailored for you.
Free Preliminary Valuation: Understand your property's cash-out value at zero cost.
Customized Interest Rates & Repayment Periods: Monthly interest rates as low as 0.2%*, with repayment periods up to 120 months.
Dedicated Express Follow-up: From application to disbursement, a dedicated specialist handles everything for you.
*I have read and accepted your company's loan application terms, privacy policy and personal data collection statement, and have read the terms and conditions.
*I have responded to your company's proposed use of my personal data for direct marketing promotion, including agreeing to your company notifying me of loan service information via telephone, SMS, email, WhatsApp and other instant messaging services, and acknowledging that your company has reminded me that I can notify your company at any time to request the cessation of the provision of relevant direct marketing promotion materials to me.
Express Finance Building Mortgage・Property Loans・Corporate financing loans
Instant Mortgage Express offers mortgage and property loan services with no upper limit on loan amounts. Whether you are an individual homeowner needing emergency funds or a small and medium-sized enterprise owner needing company financing, we can provide a fast-track solution of "immediate mortgage, immediate approval, and immediate processing." Services cover first mortgages, second mortgages, and refinancing, helping you flexibly utilize property value and solve various financial needs.
Apply in 1 Minute*
Submit simple information online or via WhatsApp
15-Minute Preliminary Approval*
Get your approval results quickly
Funds Disbursed Quickly
Within 24 hours*
No early repayment penalty, transparent and fair
No handling fee for early repayment
*Mortgage and financing loan disbursement includes the issuance of mortgage or financing loan cheques. Mortgage or financing loan approval and disbursement service hours are Monday to Friday (10:00am-7:00pm), except for Saturdays/Sundays and public holidays or as otherwise announced; however, the actual approval and disbursement time is subject to the individual mortgage or financing loan approval situation of the Company.
Mortgage Loan Calculator：
Calculate your repayment ability
The mortgage loan calculator allows you to calculate your monthly installments and interest by inputting the loan-to-value ratio, the property loan or financing loan amount, the interest rate (annual interest rate), and the repayment period.
Loan amount
HKD
Mortgage interest (Mortgage annual interest rate)
%
According to the repayment period (Month)
Month
Principal and interest repayment
(Monthly Mortgage Payment)
(Monthly Mortgage Payment)
0
(HK$)
Help you understand your future needs
Need emergency funds or corporate financing? Instant Mortgage offers large cash loans with instant approval and disbursement for first/second/refinancing mortgages. We also provide free property valuations or mortgage calculator services, instantly offering the most suitable and favorable mortgage rates.
Property Mortgage Loan
Owners who hold property and hope to cash out a large sum of money by mortgaging it.
Loan-to-value ratio up to 80%*, loan amounts up to HKD 50 million, applicable to all property types and building ages.
Learn MoreLoan-to-value ratio up to 80%*, loan amounts up to HKD 50 million, applicable to all property types and building ages.
Homeowner Private Loan：
Private Residential Property Owners
Private Residential Property Owners
For private property owners who need quick cash flow but do not want to affect their existing bank mortgages.
Unsecured property, no need to check credit reports, instant loan approval, and flexible repayment period.
Learn MoreUnsecured property, no need to check credit reports, instant loan approval, and flexible repayment period.
Large Property Loans：
SME Property
SME Property
For business owners requiring substantial financing (whether the property is owned by an individual or a company). No upper limit on loan amount and fast approval, helping you seize business opportunities.
Learn More
Homeowner Loans：
Exclusive for Public Housing & Subsidized Housing Owners
Exclusive for Public Housing & Subsidized Housing Owners
For owners of public or subsidized housing who have not paid the land premium and need funds. Specializing in non-mainstream properties, with loan-to-value ratios up to 80%*, without affecting existing mortgages.
Learn More物業按揭好助手
於決定樓宇按揭或融資貸款前（不論一按、二按、轉按），若要充分了解自己的借貸承擔能力，精心籌劃的還款策略是不可或缺，可先選用我們提供免費的按揭計算機、物業估價及負擔能力計算機（壓力測試）服務。
財務按揭計算機
無論是個人抑或公司貸款，皆可透過按揭計算機即時計算物業按揭或融資貸款方案
立即計算物業估價
在進行樓宇按揭或融資貸款前，先免費估算及衡量物業的市場價值
立即估價負擔能力計算機
不論一按、二按或轉按都需要先理解清楚個人的樓宇按揭或融資貸款的負擔能力
立即計算
Case studies of mortgage and homeowner loans
Loan process
Apply Online in 1 Minute*
Fill out a simple online form, or provide your property address and basic personal information via WhatsApp.
15-Minute Express Approval*
Dedicated personnel will process your application immediately, completing preliminary approval within 15 minutes and notifying you of the final decision by phone.
Dedicated Follow-up on Your Proposal
We tailor the most suitable interest rate and repayment plan to your needs, answer all your questions, and ensure you understand the terms.
Cash in Hand Within 24 Hours*
Once the loan is confirmed, the cash will be transferred to your designated bank account within 24 hours s quickly as possible, instantly solving your funding needs.
*Mortgage and financing loan disbursement includes the issuance of mortgage or financing loan cheques. Mortgage or financing loan approval and disbursement service hours are Monday to Friday (10:00am-7:00pm), except Saturdays/Sundays and public holidays or as otherwise announced; however, the actual approval and disbursement time is subject to the individual mortgage or financing loan approval situation of the Company.
Frequently Asked Questions
Why choose Instant Credit for your mortgage loan?
We have strict compliance standards and specialize in all types of large-scale property mortgages. Compared to banks, we accept any type of property and credit rating, offer extremely fast approval, and waive income verification and stress tests, making us the best backup for cases rejected by banks.
Is the loan application handled by a law firm?
Yes. To ensure the legality and compliance of the procedures, our company will engage a reputable and large law firm to handle all loan procedures, and we will bear all the costs.
Can people over 65 years old or retirees apply for loans?
Absolutely. Loan approval is not limited by age or employment status. We welcome retirees, homemakers, and all those with non-fixed incomes to apply.
Can I apply for a loan if I have a bad credit history?
Yes. We promise that the application process will not require reviewing your credit report; the focus of the approval will be on the property value. Even if your credit score is low, we will still tailor a solution for you.
Are there any fees to pay during the loan application process?
Absolutely not. We waive legal fees, processing fees, and valuation fees. No fees will be charged if your loan application is not approved, cancelled, or you ultimately do not accept the loan.
Can self-employed individuals or those without proof of income apply for a loan?
Yes, that's possible. This is our core advantage. Self-employed individuals and those without proof of income are welcome to apply; all you need to do is provide your ID and property address.
Can a property transferred by deed of gift be mortgaged?
Mortgages can be applied for on properties with deeds.
Can one apply for a mortgage if they own only half of the property's ownership?
Yes, even with half ownership, homeowner loans and property mortgages can be successfully approved.
Complaint Hotline：2723 0009WhatsApp Inquiry：9138 4768Email：info@instantcash.com.hk
Address: Room 1015, Hershey Centre, 63 Mody Road, Tsim Sha Tsui East, Hong Kong
INSTANT MORTGAGE | A Brand Under INSTANT CASH LIMITED
Moneylender License Number：1596/2025
Loan products
Company News
Legal provisions
Note: According to the Money Lenders Ordinance, the maximum annual interest rate is 48%.
Warning: You must repay the money you borrow; do not pay intermediaries.
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