APEX Mortgage
DEBT CONSOLIDATION ADVISORY

Bring Your Debts
into Focus.
Find a Clearer Way Forward.

Managing multiple repayments or high monthly commitments? Start with a review of your current situation.

Discuss My Debt Situation
Illustrative debt consultation
Personal consultation
Individual review
Application follow-up
High Commitments
AKPK-Related Enquiries
Special Attention Account
OUR APPROACH

Start with the
Full Picture.

Consider monthly affordability, repayment tenure, fees and overall borrowing cost together.

We review your income, existing debts and monthly repayments to understand your commitments.

From there, we discuss potential directions and the information needed for further assessment.

WHO CAN ENQUIRE

Different Circumstances. Personal Attention.

High Monthly Commitments

For individuals managing multiple loans, credit cards or demanding monthly repayments.

AKPK-Related Circumstances

Discuss your existing arrangements and whether an appropriate enquiry can be explored.

Special Attention Account

An individual review of complex credit circumstances and relevant application information.

Available options depend on your circumstances and the relevant financial institution’s assessment.

Illustrative household repayment document review
WHAT WE REVIEW

A Structured View
of Your Commitments.

  • Income and financing needs
  • Outstanding loan and credit card balances
  • Monthly repayment commitments
  • Relevant credit circumstances and current arrangements

Your adviser will explain which documents are needed for a detailed assessment.

Ask About My Situation
HOW WE HELP

A Clear Path to Your Next Step.

Personal guidance, from understanding your needs to application follow-up.

STEP 01

Understand Your Situation

We listen to your needs and review your existing commitments.

STEP 02

Explore Your Options

We discuss potential financing directions based on your circumstances.

STEP 03

Prepare Your Application

We help organise the information and documents required.

STEP 04

Keep You Informed

We follow up and explain feedback and next steps.

YOUR QUESTIONS, ANSWERED

Clarity Before
Your Next Step.

A few things worth understanding before you proceed.

Chat with an Adviser
Can I enquire if I have AKPK arrangements or an SAA record?

Yes. Whether an application can proceed depends on your current arrangements, credit circumstances and the relevant financial institution’s assessment.

Will consolidation always reduce my total borrowing cost?

No. A lower monthly instalment may come with a longer repayment period and higher overall cost. Compare tenure, interest, fees and total repayments together.

Is loan approval guaranteed?

No. Loan decisions are made by the relevant financial institution following its assessment.

What should I prepare for an initial consultation?

Start with an overview of your income, outstanding balances and monthly repayments. Your adviser will explain which documents may be needed next.

FINANCIAL CONSIDERATION

Look Beyond the Monthly Instalment.

A lower monthly payment may come with a longer tenure and a higher total borrowing cost. Review the full arrangement before deciding.

You Don’t Need Every Answer
to Start a Conversation.

Tell us where you stand. We’ll help you understand the next step.

Start a Debt Consultation