Who this is for
Salaried and self-employed buyers who want a clear max loan, realistic rate expectation, and a document path that doesn’t burn hard enquiries needlessly.
What we do
- DSR and affordability modelling against bank-style caps
- Shortlist of banks that fit income type, CCRIS and property
- Package comparison: rate, cashback, legal subsidy, lock-in
- Application prep through to letter of offer
Start with the DSR calculator or the first-time buyer guide.
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.
Related
FAQ
Do I pay RMS2U for home loan advice?
Initial consultation is free. RMS2U is compensated by banks upon successful disbursement - you pay nothing out of pocket for advisory.
How long does approval take?
With complete documents, typically 7–14 working days. Clean files have been approved in as little as 2 working days.