Own a property and want to cash out for liquidity without redeeming your first mortgage? GICL's Property Second Mortgage Loan is your best choice. We offer an "Easy Cash-Out" solution where you don't need to surrender your title deed. While keeping your original bank mortgage, you can leverage the residual value of your property to obtain extra funds, helping you achieve your life goals or solve business cash flow needs.
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*
HK identity card, property address
15-Minute Preliminary Approval*
24-Hour Cash Disbursement*
Real stories from our satisfied clients. Discover how GICL's flexible plans and rapid approval help entrepreneurs overcome challenges and seize opportunities.
Institutions Involved
Existing Mortgage
Income Proof
Approval Speed
Title Deed Handling
Ideal For
原銀行 + 新貸款機構 (共兩間)
保留 (不影響原有一按條款)
通常豁免 (財務公司較彈性)
極快 (最快 15 分鐘批核，24 小時到手)
毋須交出樓契 (樓契仍由一按銀行保管)
急需資金周轉、TU 評級未如理想、不想影響舊按揭條款的人士
只涉及原按揭銀行 (共一間)
保留 (但在原基礎上加大貸款額)
必須提供 (需重新通過壓力測試)
慢 (需時 1-2 個月)
樓契繼續由原銀行保管
收入穩定、不急用錢、想利用樓價升值套現的人士
新按揭銀行 (共一間，原銀行會被還清)
取消 (由新銀行借款償還舊銀行欠款)
必須提供 (需重新通過壓力測試)
慢 (需時 1-2 個月，涉及律師樓手續)
樓契由舊銀行轉交至新銀行
想賺取現金回贈 (Cash Rebate) 或轉用較低息率計劃的人士
In addition to the original property mortgage (first mortgage), owners can apply for a second mortgage loan at any time to cash out for turnover. No title deed is required, and there are no restrictions on building age or property type. We accept applications regardless of credit ratings, and there is no penalty for early repayment.
No income proof or stress test is required for cashing out with a property second mortgage loan.
Anyone, including retirees, housewives, or self-employed individuals, is welcome to apply for a second mortgage loan to cash out.
Customers can choose to draw down the second mortgage loan in separate installments. GICL provides a revolving standby credit line for this purpose.
Owners are free to sell the mortgaged property at any time during the repayment period without needing prior consent from GICL. The transaction date will be used as the cut-off date to calculate the full repayment amount promptly.
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.
