Everyone’s financial situation is unique due to varying incomes and commitments. As of such, we would only be able to confidently advise you after studying your financial standings, income to commitment ratio as well as your short term and long term financial goals/ plans.

Synex Advisory Sdn. Bhd. strictly abides by and respects the Personal Data Protection Act (PDPA) 2010. As of such, any and all customer information shared to us will be treated with utmost confidentiality and not be shared or sold to any other organisations/ individuals.

Synex Advisory prides itself in ZERO upfront fees and hidden costs. Please email us should you have any information of our staffs requiring any sort of upfront fees or initial payments in your case.

The default information we would need from you would be;

▪ IC Front and Back
▪ 3 Months Latest Bank Statement
▪ 3 Months Latest Payslip
▪ 2 Years EPF Statement
▪ Latest CTOS/ CCRIS Report.

For business owners/ non- employees, please contact us and we will guide you on the information that we would need from you to proceed further.

Having imperfect payment records can negatively affect your application for additional funding. However, it isn’t the end of the road for you. Our advisors may still be able to help you out with additional fundings. Do share with us your plans and we will make sure to find the best solution for your current financial situation and credit score.

Yes, you can! At Synex, we help clients consolidate high-interest debts like credit card balances and even PTPTN loans into a single, more manageable monthly payment.

By consolidating your debts, you may benefit from:
✅ Lower monthly installments
✅ Reduced overall interest
✅ Improved credit score in the long run
✅ Less financial stress with just one due date to manage

Our team will assess your current financial standing and recommend the best solution tailored to your needs. Don’t let multiple debts weigh you down. We’re here to help you take back control of your finances.

It depends on your current debts and the structure of the consolidation plan.

In many cases, debt consolidation helps reduce your monthly payments by extending the repayment period or securing a lower interest rate, but this can sometimes lead to a slightly higher total interest over the life of the loan.

However, the real benefit is improved cash flow, less financial stress, and avoiding penalties or late fees from multiple accounts.

At Synex, we’ll evaluate your situation and help you compare both short-term savings and long-term costs, so you can make an informed decision that’s best for your financial goals.

In short: You may pay more in total interest, but you’ll pay less monthly and gain better control.

Debt consolidation can improve your credit score over time, especially if it helps you pay on time and reduce outstanding balances. At first, you might see a small dip, but with consistent payments, your score will usually go up.

Refinancing your home loan can offer several key benefits:

✅ Lower monthly payments through better interest rates
✅ Cash out option — get extra funds for personal use
✅ Shorten your loan tenure and pay off your home faster
✅ Switch to a more flexible or stable loan package
✅ Improve your financial planning with better terms

At Synex, we’ll help you explore all your options so you get the most out of your property. 💰🏡

The amount of cash you can get depends on your property's current market value and your outstanding loan balance. In most cases, banks allow you to refinance up to 80–90% of the property's value and the difference (after settling your existing loan) is the cash you’ll receive.

💡 Example:
If your property is worth RM500,000 and your current loan balance is RM300,000, you could potentially get up to RM150,000 in cash.

We’ll help you calculate your exact eligibility free of charge.