All Malaysians who wish to:

• Buy residential property that is completed or under construction
• Refinance residential property that is completed

• Your savings, payroll, current and mortgage accounts are all managed under one account.
• When you deposit additional funds such as salary or spare cash, this fund earn interest which is used to offset the principal portion, thus paying down the loan faster.
• When the loan principal decreases each month, so does the amount of interest charged for each month.

There is a one-time setup fee of MYR200 and a monthly maintenance fee of MYR10 for each account. Click here to view the full list of fees and charges.

Credit balances in account earned interest saved which can be withdrawn when you need it after your cash has been exhausted.

As with all loans, this amount is subject to your ability to repay, and depends on your income and other financial commitments.

Interest is calculated daily on your outstanding balance, and is debited monthly. Currently, no interest is paid for a MortgageOne™ account in credit balance.

The interest rate charged is competitive to overall interest savings. However, it is important to remember that MortgageOne™ offers numerous money management solutions that help you reduce your outstanding loan, which in turn will reduce your interest payments.

Any of our Mortgage Sales Officers will be able to explain MortgageOne™ to you and tailor it to suit your needs. Request for a Mortgage Consultant to meet you by writing to us at Malaysia.Feedback@sc.com.

Because you're a 1^st time buyer, MortgageOne™ is ideal for you. But don't be alarmed by the slightly higher interest compared with other banks because the flexibility we offer outweighs the 1^st-year lower rates. As you progress through life, you can use your savings, surplus cash, windfalls, and bonuses etc to offset this rate.

MortgageOne™ has helped many of our customers save. Talk to one our Mortgage Consultants to find out how we can help you. We just need 30 minutes of your time.

MortgageOne™ has helped many of our customers save. Talk to one of our Mortgage Consultants to find out how we can help you refinance with as little fuss as possible. That way you can focus on saving and gaining more financial flexibility.