Disclaimer

Last updated: March 9, 2026

This Disclaimer applies to the use of MortgagePro Malaysia and its content. We provide information for general educational purposes only. The content on our platform covers home ownership financial planning, loan eligibility basics, DSR calculation, BNM overnight policy rate impacts, stamp duty estimation, and first-time buyer incentives in Malaysia. We are not responsible for any decisions made based on the information presented.

General Disclaimer

We make no representations or warranties regarding the accuracy, completeness, or timeliness of the information provided on our platform. While we strive to ensure all content is current and reliable, financial regulations and policies in Malaysia change frequently. Interest rates, eligibility criteria, stamp duty rates, and incentive programs may be updated without notice.

We do not guarantee that all information reflects the most recent changes in Malaysian financial laws or BNM policies. Users should independently verify all details with relevant financial institutions and government agencies before making any decisions. Our platform is designed to provide general guidance, not comprehensive legal or financial advice specific to individual circumstances.

No Professional Advice

The content provided—including guides on DSR calculations, mortgage eligibility assessments, and first-time buyer incentives—is educational material only. We are not financial advisors, mortgage brokers, or legal professionals. Nothing on our platform constitutes professional financial, legal, or investment advice.

We strongly recommend that you consult with qualified financial advisors, mortgage specialists, and legal professionals before making any home ownership decisions. Your personal financial situation, income, credit history, and objectives are unique. Professional guidance tailored to your circumstances is essential. We do not take responsibility for any financial outcomes resulting from reliance on our educational content.

Liability Limits

To the fullest extent permitted by Malaysian law, we are not liable for any indirect, incidental, special, or consequential damages arising from your use of our platform. This includes losses related to financial decisions, loan applications, or property transactions. We are not responsible for third-party services, lender policies, or government program changes that may affect your eligibility or financial outcomes.

Your use of our platform is at your own risk. We provide content in an “as is” condition without warranties of any kind. We do not guarantee continuous access to our platform or the absence of errors. By using our services, you acknowledge that you understand the risks and limitations of relying on educational content for significant financial decisions.

Information Accuracy and Updates

We update our content regularly to reflect changes in Malaysian mortgage markets and regulations. However, delays may occur between actual policy changes and our updates. BNM overnight policy rates, stamp duty calculations, and first-time buyer incentive eligibility criteria can change without advance notice. We encourage users to verify current rates and requirements with official sources including Bank Negara Malaysia, the Inland Revenue Board, and licensed financial institutions.

We reserve the right to modify, update, or remove content at any time without prior notice. Continued use of our platform following any changes constitutes your acceptance of the updated terms and information.

Third-Party Links and Services

Our platform may reference external resources, government agencies, and financial institutions for verification purposes. We do not control these external sources and are not responsible for their accuracy, availability, or content. Any reliance on third-party information is at your own risk. We recommend visiting official sources directly, such as Bank Negara Malaysia’s website or the Inland Revenue Board’s portal, for authoritative information on policies and rates.

Governing Law

This Disclaimer is governed by the laws of Malaysia. By using our platform, you agree to comply with all applicable Malaysian laws and regulations. We may update this Disclaimer from time to time to reflect changes in legal requirements or our services. Your continued use of our platform indicates your acceptance of any modifications.