Even if you are rejected by banks due to self-employment, retirement, variable income, or credit rating factors, you are still eligible to apply. We focus on discovering the value of your property, rather than just looking at traditional income statements, truly providing flexible financing options for homeowners from different backgrounds in Hong Kong.

✅ We have successfully solved cash flow and large-sum settlement problems for more than 500 homeowners.*based on internal statistics

Unlike banks' strict restrictions on older properties (such as those over 50 years old), we accept all types of properties, including private houses, tenement buildings, village houses, industrial buildings, and even parking spaces. We view older buildings as reliable assets and help you maximize the value of your "bricks and mortar". We have even had successful approval cases for 70-year-old village houses.

✅  Success story: 70-year-old village houses in Sai Kung were successfully approved, with an approval rate of up to 80% for such properties.

We understand the burden of collecting complicated documents, so we have greatly simplified the application process. You do not need to submit 3-6 months of salary slips, bank statements, tax returns, or take a stress test. You can easily apply by simply providing your Hong Kong ID card and property address. This is especially suitable for self-employed individuals and those with non-fixed income.

✅ Loans have been successfully approved for more than 100 self-employed individuals or retired homeowners.

we understand the value of your time. Unlike banks' approval times, which are calculated in months, we promise to complete initial approval in 15 minutes, and once all documents are complete, cash will be transferred within 24 hours at the fastest, helping you quickly seize funding opportunities and avoid long waits. Zero handling fees throughout the entire process.

✅ 99% of customers reported that the funds arrived faster than expected.*based on internal statistics