Who we are
RMS2U (Reliable Mortgage Solutions) is a professional mortgage brokerage and loan advisory firm based in Kuala Lumpur. We work across major Malaysian banks - Maybank, CIMB, RHB, Public Bank, AmBank, OCBC, Hong Leong, Bank Islam and others - to structure applications that fit the borrower, not the product of the week.
Our consultant Janice is the human on the other end of WhatsApp: income review, DSR modelling, bank shortlist, document prep, and credit-team follow-up through to signing.
What we stand for
- Trust first - honest eligibility calls, including when the answer is “not yet”.
- Bank-agnostic - we are compensated by banks on successful disbursement; you pay nothing out of pocket for advisory.
- Hard cases welcome - poor CCRIS, prior rejections, self-employed and commission income are part of the daily book, not exceptions.
Proof points (real outcomes)
- Highest single loan approved: RM 5.8 million
- Lowest rate secured: 3.55% p.a. (SBR + 0.80%, based on SBR 2.75%)
- Cashback secured for one client: RM 150,000
- Fastest approval turnaround: 2 working days (complete docs)
- 100% financing available for qualifying first-home profiles
As of Oct 2026: BNM OPR 3.00%; SBR 2.75%. Typical packaged home-loan rates we see in market range roughly SBR + 0.80% to SBR + 1.75% (about 3.55%–4.50% p.a.), subject to profile and bank. RMS2U has secured as low as 3.55% p.a. for eligible clients. Figures drift - WhatsApp Janice for a live check.