What we will not do
We will not promise approval, “clean” your CCRIS overnight, or spray applications across every bank. That destroys options.
What we will do
- Read the actual rejection / CCRIS pattern with you
- Separate temporary noise from structural issues
- Match banks whose credit appetite still fits
- Rebuild the narrative and document pack before the next hard enquiry
Deep dive: poor CCRIS / rejected - what next. Scenario page: for poor CCRIS borrowers.
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
Can someone with poor CCRIS still get a home loan?
Sometimes - depending on severity, seasoning, income strength and which banks still have appetite. There is no single minimum score. We never guarantee outcomes.
Should I apply again immediately?
Usually no. Another hard enquiry without a new plan often makes things worse. Fix the story first.