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" involves applying for a second loan on top of an existing first mortgage. Since the first mortgage holds the primary creditor position with lower risk, its interest rates are usually more favorable than a second mortgage, and the repayment period is longer (up to 240 months).
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.
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.
