Urgent need for cash flow? GICL offers flexible first mortgage loan services. Whether it's for property completion, refinancing, or remortgaging, we provide loan amounts up to 80% of the property valuation, helping you cash out instantly to realize your plans.
Fill out our online form or submit documents via WhatsApp/Email for a fast and easy start.
Processed instantly by our specialists, with preliminary approval results available in as fast as 15 minutes.
Sign the contract in person in as fast as 24 hours.
Get your cash cheque on the same day to instantly resolve your cash flow needs.
Income Proof
Approval Time
Cash Disbursement
Credit Rating (TU)
Property Age / Property Type
Early Repayment
Loan-to-Value (LTV) Ratio
3–6 months’ payslips, bank statements
2 Months
15-Minute Preliminary Approval*
15-Minute Preliminary Approval*
24-Hour Cash Disbursement*
A "First Mortgage Loan" is the primary loan secured by a property. This includes new purchase mortgages or refinancing an existing property that is currently debt-free.
In contrast, a Second Mortgage Loan is an additional loan secured on top of an existing first mortgage. Since the first mortgage holder is the primary creditor (which carries a lower risk), a first mortgage generally offers more favorable interest rates and a longer repayment period (up to 240 months) compared to a second mortgage.
傳統銀行的一按多採用 H 計劃或 P 計劃（H+/P-），目前實際年利率大約介乎 3.5% 至 4.5%；而財務公司一按因審批條件較寬鬆且承擔較高風險，年利率可低至 8%，具體息率會因應個別個案的風險評估而定。 此外，為了滿足不同業主的財務調配需求，現時部份財務公司為吸引客戶更會提供轉按服務，甚至推出低至 9.8% 的refinancing services with welcome ratesas low as 9.8% p.a. This helps property owners effortlessly reduce interest expenses while cashing out flexibly for turnover.
Real stories from our satisfied clients. Discover how GICL's flexible plans and rapid approval help entrepreneurs overcome challenges and seize opportunities.
With GICL, you can apply in the name of just one owner or a trustee. All joint owners are only required to sign during the formal execution of the loan agreement.
No. Our first mortgages do not require income proof or stress tests. You may use our online loan calculator to explore your options.
Individuals over 65 can apply as long as they have a guarantor with working capacity. If they are over 65 and can still prove their working capacity, they can apply on their own.
Since GICL's first mortgage loan waives income proof, self-employed individuals, those without income proof, or retirees can all apply.
Yes. Clients can choose to draw down in stages. GICL also offers revolving credit facilities for maximum flexibility.
Yes. Owners are free to sell the mortgaged property at any time without prior consent from GICL.
The loan amount mainly depends on your property’s valuation and type. Financial institutions offer more flexible approvals than banks, typically reaching up to 70% - 80% LTV. Whether it is private housing, village houses, tenement buildings, or commercial properties, you can secure substantial funding as long as it has market value.
Our process is highly efficient. Once all documents are submitted, you can get a preliminary result in just 15 minutes. Upon finalizing the legal procedures, cash payout can be ready in as fast as 24 hours to resolve your urgent needs.
Yes. If your bank's first mortgage isn't enough to cover your down payment (e.g., the bank approves 60% but you need 80%), you can concurrently apply for a second mortgage with us to bridge the gap and secure your property smoothly.
Yes. If your property has appreciated in value or you have already repaid part of the principal, you can apply for a "Top-up" or "Cash-out Refinancing" to turn your property's remaining equity into cash.
It depends on the lender's policy. Traditional banks strictly check your TU, but financial institutions focus more on the property's intrinsic value, offering flexible approvals (some may not even check TU). As long as you repay on time, the application will not negatively impact your credit rating.
GICL provides the most flexible mortgage solutions. Whether it's a first or second mortgage, refinancing,
No Income Proof Required, No Stress Test Required, secure cash within 24 hours to resolve urgent financial needs.
We offer a free preliminary property valuation service. Please fill out the form below and we will get back to you as soon as possible.
