Our Services
What is Mortgage Loan Optimization?
“Mortgage Loan Optimization (房贷优化) is a data-driven repayment strategy designed to help homeowners save on interest and shorten their mortgage tenure—without refinancing, restructuring, or making unnecessary lump-sum payments. Unlike traditional mortgage calculators that show theoretical savings, our method tracks real-time payments and adjusts to bank interest rate changes to achieve maximum accuracy.”
How Does It Work?
1️⃣ Customized Loan Analysis – We assess your existing loan structure to find optimization opportunities.
2️⃣ Strategic Repayment Plan – A detailed payment schedule is created using our Ledger tool for 99.9% accuracy.
3️⃣ Ongoing Adjustments – If OPR or bank interest rates fluctuate, your payment plan is fine-tuned to maintain savings.
Who Can Benefit from This?
Homeowners in Malaysia & Singapore with an existing mortgage.
Property investors looking to reduce loan tenure & maximize savings.
Those who want to save thousands in interest without refinancing.
At ShortenLoan.com, we, FIS Advisor don’t just offer solutions; we pave the way for you to take control of your mortgage loan, finances and work toward true financial freedom. Our mission is simple yet impactful – to help homeowners like you unlock savings, reduce loan burdens, and live the life you’ve envisioned.
As FIS Advisor, we understand that managing a mortgage loan can feel overwhelming. For many, it’s a long-term commitment with seemingly no end in sight. That’s where we step in. With our expert guidance, industry knowledge, and strategic planning, we help you see beyond the numbers and empower you to make informed financial decisions that can transform your life.
Our service is built around you – your financial goals, challenges, and aspirations. By working closely with you, FIS Advisor provide tailored advice to help you:
- Reduce the overall interest you pay on your loan, so more of your hard-earned money stays with you.
- Shorten your loan tenure, giving you the freedom to clear your mortgage sooner than you thought possible.
- Build a clear financial roadmap to take the stress out of managing your loan, letting you focus on the things that matter most.
What sets us apart is not just our technical expertise but our client-first approach. FIS Advisor believe that every client deserves a personalized plan, crafted with care and attention to detail. Our years of experience across multiple industries have taught us one thing: there is no one-size-fits-all solution. Your journey is unique, and so is our approach.
But achieving financial freedom requires more than just strategy – it requires commitment. FIS Advisor guide and support you every step of the way, but your dedication is the key to success. Together, we’ll make sure every payment counts, ensuring that your journey is smooth and stress-free.
When you partner with us, you’re not just getting a service – you’re gaining a trusted advisor. Someone who is as invested in your success as you are. With our support, you’ll be able to step into a future where your mortgage no longer defines you, but empowers you.
Take the first step today. Let us help you reclaim control, unlock financial freedom, and achieve the peace of mind you deserve.
Mortgage Loan Calculator
*** While most people use loan calculators to obtain a simple estimate, they often overlook the potential uncertainties that can impact their financial outcomes
Why We Don’t Use Standard Home Loan Calculators
At ShortenLoan, we, as FIS Advisor take a different approach to mortgage loan restructuring. Unlike generic home loan calculators that provide broad estimates, we rely on our proprietary in-house tools to derive calculations with 99% accuracy, ensuring results that are far more precise and market-relevant.
Most online mortgage loan calculators, home loan calculators, and down payment estimators offer only theoretical figures based on fixed assumptions. These tools fail to account for real-time factors such as interest rate fluctuations, bank-specific policies, loan structures, and borrower profiles. As a result, their outputs can be misleading and unreliable when applied to actual financial planning.
FIS Advisor understand that every borrower’s situation is unique. Instead of relying on these non-volatile and static formulas, we use a customized approach by analyzing:
✔ Your existing mortgage terms (loan tenure, interest rates, and repayment structure).
✔ Your current financial capacity (income stability, debt obligations, and repayment behavior).
✔ Market conditions and bank policies to optimize the best possible restructuring strategy.
Our methodology ensures 99% accuracy, giving property owners a clear and realistic financial outlook. By using our specialized tools and expertise, we identify ways to shorten your loan tenure and reduce your interest payable – without the need for refinancing.
At ShortenLoan, we go beyond estimates. We deliver actionable solutions tailored to your financial needs, helping you save more and pay off your home loan faster.