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Instant Mortgage's four breakthrough advantages are designed to solve your problems.

🏠 Property Type "Unrestricted":
If banks refuse to accept applications, Instant Mortgage will still approve them.

Banks in the market are extremely conservative in accepting mortgage applications for non-mainstream properties (such as tenement buildings, village houses, industrial buildings, shops, parking spaces, and land). Instant Mortgage has a professional property valuation team that accepts all types of properties in Hong Kong. Even for types rejected by banks, we can provide you with accurate valuations and reasonable first-mortgage solutions.

✅ We have successfully resolved the funding needs of over a hundred property owners with special circumstances.

⏳ There is no age limit for the building.
Barrier-free access to old buildings makes it so easy to solve your problems!

Banks often refuse to approve or significantly reduce the loan-to-value ratio for older properties (usually over 50 years old) or Home Ownership Scheme flats with unpaid land premium. We accept properties of any age, whether your property is 30, 50 years old or even older, we consider them high-quality collateral to help you unlock the potential value of older buildings.

✅ Success Story: Mortgage Loan Successfully Approved for 70-Year-Old Village House in Sai Kung

📄 The supporting documentation is "extremely simplified".
No income stress test required, yet approval still granted!

The cumbersome documentation requirements for bank mortgages — 3-6 months of pay stubs, bank statements, tax returns, and stress tests — are a major pain point for many homeowners. Instant Mortgage understands that Hong Kong has a large number of self-employed individuals, retired elderly, and those with non-fixed incomes. Therefore, it has completely waived the income verification and stress test requirements, requiring only a Hong Kong ID card and property address to initiate the approval process.

✅ More than 70% of customers are self-employed or retired former business owners.

Funds arrive quickly.
Counting within 24 hours means speed is crucial!

Bank mortgage approvals often take months, and finance companies usually require several days. Instant Mortgage understands the importance of timely funding for you, achieving initial approval in 15 minutes, and cash transfer within 24 hours once all documents are complete. This is dozens of times faster than the average bank approval time (approximately 2 weeks to 2 months), helping you seize every funding opportunity in a timely manner.

✅ 99% of customers reported that funds arrived faster than expected.*

Property mortgage up to HK$50 million
Property mortgage loan-to-value ratio as high as 80%
Annual interest rate as low as 2.4%
Repayment period up to 120 months
Counting time within 24 hours
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Complimentary Property Valuation
✅ Zero handling fees and zero valuation fees throughout the entire process.｜Application only requires ID card + property address
The above services are subject to terms and conditions, and are subject to final loan application approval.

📊 A Clear Overview: How Does Instant Mortgage Save You from Three Cumbersome Procedures — Time, Documents, and Handling Fees?

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🏦 Traditional bank mortgages
🏢 Other finance companies (market peers)
Maximum loan amount
Up to 80%
Banks - up to 80% (likely to require mortgage insurance)
Typically 60-70%, depending on company policy
Loan limit
Up to HK$50 million
Depending on the property valuation and repayment ability, the general approach is relatively conservative.
Most have a cap of HK$10 million
Approval time
Preliminary approval in 15 minutes ⚡
About a month 🐢
1 to 2 weeks
Time passed
Within 24 hours at the fastest 💰
It will take an additional 1-2 weeks after approval
It can be completed as quickly as the same day or within 24 hours
Income verification requirements
✅ No income verification required, no stress test required
❌ You must provide 3-6 months of pay stubs, tax receipts, and bank statements
Depending on the circumstances, some require proof of income, while others accept applications without documentation but at higher interest rates
Property age restrictions
✅ No age limit for buildings
❌ There is usually an upper limit (e.g., within 50 years, and the building's age is factored in).
Most have restrictions (e.g., within 40 years), and older buildings may require additional review
Property type restrictions
✅ All types of properties are accepted (private buildings, tenement buildings, village houses, office buildings, shops, parking spaces, etc.)
❌ There are many restrictions; tenement buildings, village houses, and older properties are often not accepted
Partial acceptance, but non-mainstream property types may require higher interest rates
Credit rating requirements
✅ Accept any rating
❌ A satisfactory credit rating (usually E or higher)
Most accept lower ratings, but this will be reflected in higher interest rates
Early repayment penalty interest
✅ Waive penalty interest
❌ There is usually a two-year interest lock-in period (early repayment will still require paying the interest for the first two years)
Generally, a lock-in period of 6 to 12 months is provided
Handling fees/Lawyer fees/Valuation fees
✅ Full exemption
❌ Most will charge a handling fee, an appraisal fee (approximately several thousand Hong Kong dollars), and legal fees
Some services advertise "no handling fees," but may hide other charges (such as consultant fees or agency fees)
Application document requirements
✅ Minimal Requirements: Hong Kong ID card + property address 📄
Complex documents: ID card, proof of address, salary slip, bank statement, tax bill, property deed, etc
It's simpler than banks, but generally requires providing documentation to prove your ability to make the loan
Suitable customer groups
Individuals whose applications are rejected by banks, those in urgent need of funds, those without proof of income, and those holding various types of properties
Individuals with good credit history, stable income, and ownership of quality properties
People with lower credit ratings, complete documentation, and who are not in urgent need of cash
*The figures above are for reference only, and approval results may vary depending on the individual bank and finance company.
*The above services are subject to terms and conditions, and are subject to final loan application approval.

👤 Free one-on-one consultation

💡 Instant Mortgage's Exclusive Promise

1
🏠 Property Management Expert

Specializing in the Hong Kong property mortgage market, we possess in-depth knowledge of the valuation and cash-out potential of various properties (tenement buildings, village houses, older buildings, and non-residential properties). Even if your property is rejected by banks for first-mortgage applications due to reasons such as building age, type, or credit rating, we can provide you with professional valuations and customized flexible first-mortgage solutions, making us your most reliable financial support.

2
⚡ Instant funding

Banks typically take months to process first-mortgage applications. Instant Mortgage , however, offers initial approval in 15 minutes, with cash available within 24 hours once all documents are complete, truly solving your urgent financial needs. We understand the high demand for timely funding from our first-mortgage clients and help you seize every funding opportunity with speed rarely seen in Hong Kong.

3
📝 No need to check credit reports

Many finance companies require reviewing credit reports and may reject applications due to excessive debt or low credit scores. Instant Mortgage promises that we will not review your credit report when applying for a first mortgage. Even if you have multiple debts or a poor credit score, we will still consider your property value and actual needs to tailor a suitable plan to help you successfully obtain first mortgage approval.

4
🔒 Zero hidden fees guaranteed

Some finance companies in the market will find various pretexts to charge "consulting fees," "copying fees," and "agency fees," even if your mortgage application is unsuccessful. Instant Mortgage promises not to charge any handling fees, legal fees, or valuation fees throughout the entire process. Whether your application is ultimately approved or you decide not to accept the loan, we will not charge you a penny, allowing you to assess the possibility of cashing out your property at zero cost.

*Anyone aged 18 or older who owns local Hong Kong property can apply; simply fill in the information and provide the property address for quick cash withdrawal.
*The above services are subject to terms and conditions, and are subject to final loan application approval.

Cash in 24 hours, apply now
Real Cases
The bank rejected the mortgage application for the tenement building, but Instant Mortgage successfully resolved the situation within 24 hours.
Mr. Li, a small and medium-sized enterprise owner, urgently needed cash due to cash flow difficulties. He owned a tenement building worth HK$8 million and hoped to cash out HK$3 million through a mortgage on the property. However, the bank's approval process was extremely slow due to the property's type (tenement building) and age; after more than two weeks, there had still been no progress. Ultimately, the bank rejected his application on the grounds that the property type was not mainstream, plunging Mr. Li into a cash flow crisis.

Mr. Li contacted Instant Mortgage for assistance through a friend's introduction. Our professional team processed his application swiftly:
Simple Application: Mr. Li only needed to fill in his property address and personal information, requiring no complicated documentation.
Rapid Approval: We completed the initial approval within 15 minutes, demonstrating exceptional efficiency.
Specialized Project Management: Instant Mortgage possesses the expertise to value non-mainstream properties such as tenement buildings and village houses, accurately assessing their worth.
Instant Mortgage Disbursement: We successfully approved a HK$3 million HKD mortgage loan for Mr. Li's property, with the cash arriving within 24 hours, immediately resolving his company's financial difficulties.
Loan amount
Monthly interest
HK$3,000,000
0.2%
Repayment period
Monthly repayment
120 months
HK$28,144
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The examples above are for reference only. The final interest rate that a customer can obtain will depend on and vary according to their individual credit situation. Please contact our company for details.
Bank refused? Find us now!

Hong Kong Property Mortgage Common Questions

Is it possible to apply for a first mortgage on a Hong Kong property without proof of income?
What is the maximum amount I can get for a property mortgage loan?
My property is jointly owned with others. Can I still apply for a mortgage on the property?
What are the differences between a first mortgage and a second mortgage on a property? Why choose a first mortgage?
Can property mortgage approval and disbursement really be completed within 24 hours?
I have a low credit score and significant debt.
 Can I still apply for a first or second mortgage on a property?
No Need to Wait for Cash Flow

💡 Get Your Personalized One-Click Solution Now!

Dedicated staff provide rapid follow-up, results in 15 minutes, and cash in hand within 24 hours!
🚀Fast and free evaluation
15-minute express approval
Counting within 24 hours
No income documents or stress test required
nullComplaint Hotline：2723 0009
WhatsApp Inquiry：9138 4768
Email：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

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