Property
Malaysia — Property: Mortgage Availability
Foreigners can obtain mortgages in Malaysia, but on less favorable terms than citizens — lower loan-to-value (LTV) ratios, often shorter tenures, and heavier documentation requirements. Typical 2026 terms: maximum LTV of 70% for non-residents (sometimes up to 80% for MM2H visa holders), tenure up to 30 years or age 70 (whichever comes first), and interest rates of 4.0-5.5% for a floating loan (current rates run 4.47-4.60%). MM2H participants generally have easier access to local mortgages than non-resident foreign buyers. The most foreigner-friendly mortgage banks in 2026 are HSBC, Standard Chartered, and Maybank.
Key facts
- Non-resident LTV cap: 70% (up to 80% for MM2H holders).
- Tenure: up to 30 years or age 70, whichever earlier.
- Interest rates: 4.0-5.5% floating (current market rates 4.47-4.60%).
- Most foreigner-friendly banks: HSBC, Standard Chartered, Maybank.
Costs
- Floating mortgage rate range: 4.0-5.5%
Timelines
- Maximum tenure: 30 years or age 70, whichever earlier
Common mistakes
- Assuming non-resident LTV matches citizen terms — foreigners cap out at 70-80% LTV versus higher availability for citizens.