Welcome to the website of MGH Consultancy Sdn Bhd (“Company”, “we”, “us”, or “our”). By accessing this website, submitting your information, contacting us through WhatsApp, phone, email, social media, or engaging our services, you agree to the following Terms of Service.
Please read these terms carefully before using our website or services.
MGH Consultancy Sdn Bhd provides consultancy, guidance, document coordination, and follow-up support for clients who are interested in applying for LPPSA housing financing and related property financing matters.
Our services may include, but are not limited to:
Eligibility pre-checking
Document guidance and checklist assistance
Application preparation support
LPPSA registration guidance
Submission coordination
Valuation follow-up support
Communication with clients, agents, developers, lawyers, and relevant parties
Status update and case follow-up support
We act as a consultancy and support service provider. We are not LPPSA, not a government agency, not a bank, not a law firm, and not a valuation authority.
LPPSA is the statutory body responsible for managing public sector housing financing facilities.
Any eligibility check, loan estimation, repayment calculation, or advice provided by us is for general guidance and preliminary reference only.
Final approval, approved financing amount, financing terms, valuation amount, takaful requirements, legal requirements, and disbursement are subject to the assessment, discretion, policies, and approval of LPPSA and/or any relevant authority, bank, lawyer, valuer, developer, or third party involved.
MGH Consultancy Sdn Bhd does not guarantee:
Loan approval
Specific financing amount
Specific repayment amount
Approval timeline
Valuation amount
Takaful premium amount
Legal fee amount
Government or LPPSA policy outcome
Successful appeal or exception approval
Clients understand that incomplete documents, inaccurate information, changes in policy, valuation results, eligibility limits, existing commitments, or third-party delays may affect the application outcome.
Clients are responsible for ensuring that all information, documents, declarations, salary details, employment details, personal information, property details, and supporting documents provided to us are true, accurate, complete, and up to date.
We shall not be responsible for any rejection, delay, loss, penalty, dispute, or issue arising from:
False information
Incomplete documents
Expired documents
Incorrect property details
Undisclosed financial commitments
Undisclosed existing loans
Late submission by the client
Client failure to respond
Client failure to follow instructions
Changes in client employment, salary, or eligibility status
We reserve the right to stop assisting any case if we discover that false, misleading, incomplete, or suspicious information has been provided.
By engaging our services, the client agrees to:
Provide required documents within the requested timeline
Respond to our team’s messages, calls, or emails within a reasonable time
Review all forms and information before signing or submission
Ensure all signatures, stamps, certifications, and supporting documents are properly completed
Attend appointments when required by lawyers, developers, LPPSA, banks, valuers, or other parties
Read and understand any official offer letter, agreement, quotation, or document before acceptance
Seek independent legal, financial, or tax advice where necessary
Our role is to guide and support the process. The final responsibility to review, confirm, sign, accept, and proceed with any application or offer remains with the client.
The information on this website is provided for general information and educational purposes only. Although we try to keep the content accurate and updated, we do not guarantee that all information is complete, current, or suitable for every individual situation.
LPPSA policies, eligibility rules, fees, rates, documentation requirements, and procedures may change from time to time.
Clients should always confirm the latest requirements with our team, LPPSA, their lawyer, developer, bank, or relevant authority before making any decision.
Any information provided by MGH Consultancy Sdn Bhd, whether on this website, through WhatsApp, phone calls, email, social media, consultation, documents, or verbal communication, should not be treated as legal, financial, tax, investment, or valuation advice.
Clients should consult qualified professionals such as lawyers, licensed financial advisers, tax agents, accountants, bankers, or registered valuers when professional advice is required.
During the application process, clients may deal with third parties.
MGH Consultancy Sdn Bhd is not responsible for the actions, decisions, fees, delays, errors, omissions, policies, or service quality of any third party.
Any agreement, payment, appointment, or arrangement made between the client and a third party is the responsibility of the client and that third party.
Any service fee, consultation fee, processing fee, referral fee, administrative fee, or other charges, where applicable, will be communicated to the client before confirmation.
Unless stated otherwise in writing:
Fees paid for work already performed are non-refundable
Administrative or processing fees are non-refundable once the case has started
Any refund request is subject to our review and approval
Third-party fees such as legal fees, valuation fees, takaful, stamp duty, developer charges, courier fees, or government charges are not controlled by us
We are not responsible for refunding payments made directly to third parties
MGH Consultancy Sdn Bhd reserves the right to revise fees, packages, or service scope at any time.
By submitting your information or contacting us, you agree that we may communicate with you through WhatsApp, phone calls, SMS, email, social media, or other digital channels for purposes related to your enquiry, application, document preparation, follow-up, updates, reminders, and service communication.
Clients are responsible for checking messages and responding promptly. We are not responsible for delays caused by unread messages, incorrect contact numbers, inactive email addresses, blocked accounts, or communication failure beyond our control.
We may collect and process personal data such as name, IC number, contact details, salary details, employment information, financial commitments, property details, supporting documents, and other relevant information required for consultation, eligibility checking, document preparation, and application support.
Malaysia’s Personal Data Protection Act 2010 regulates the processing of personal data in commercial transactions and protects the interests of data subjects.
By submitting your personal information to us, you consent to MGH Consultancy Sdn Bhd collecting, storing, using, sharing, and processing your information for purposes including:
Responding to enquiries
Checking eligibility
Preparing application documents
Coordinating with LPPSA, lawyers, agents, developers, banks, valuers, and relevant third parties
Following up application status
Providing service updates
Record keeping
Internal administration
Compliance with legal or regulatory requirements
We will take reasonable steps to protect your personal data. However, no online transmission, messaging platform, email system, or digital storage method can be guaranteed to be 100% secure.
To assist with your case, you authorize us to share relevant information and documents with necessary parties, including but not limited to LPPSA, lawyers, developers, property agents, banks, takaful providers, valuers, courier services, and internal team members.
We will only share information that is reasonably necessary for the purpose of handling your enquiry, consultation, application, documentation, or follow-up.
We may assist clients in checking, arranging, scanning, reviewing, or coordinating documents. However, clients remain responsible for ensuring that all documents are true, complete, valid, signed, certified, stamped, and accepted by the relevant authority.
MGH Consultancy Sdn Bhd is not responsible for loss, rejection, delay, or additional cost caused by:
Incomplete documents
Missing signatures
Missing official stamps
Incorrect certification
Expired documents
Wrong forms
Courier loss or delay
Third-party rejection
Changes in document requirements
For certain property financing applications, the approved financing amount may depend on the final valuation report or assessment by the relevant authority.
If the valuation amount is lower than the purchase price, the client may be required to top up the difference using personal funds. We do not guarantee that any property will be valued at the purchase price or at the amount expected by the client, agent, or developer.
Any takaful or insurance amount, premium estimate, provider selection, or coverage information shared with the client is subject to the final quotation, underwriting, policy terms, age, gender, financing amount, tenure, health status, and approval by the relevant takaful or insurance provider.
Clients are responsible for reading and understanding all takaful or insurance documents before acceptance.
Users agree not to misuse this website or our communication channels. Prohibited actions include:
Submitting false information
Uploading harmful files
Attempting to hack or disrupt the website
Copying website content without permission
Using our brand name without authorization
Sending spam or abusive messages
Impersonating another person
Using our website for unlawful purposes
We reserve the right to block, restrict, or take legal action against any person who misuses our website, content, brand, or communication channels.
All website content, text, graphics, logos, branding, images, service descriptions, layout, downloadable materials, templates, and other materials are owned by or licensed to MGH Consultancy Sdn Bhd unless stated otherwise.
You may not copy, reproduce, modify, distribute, sell, publish, or use our content for commercial purposes without our written permission.
To the fullest extent permitted by law, MGH Consultancy Sdn Bhd, its directors, employees, representatives, agents, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or financial loss arising from:
Use of this website
Reliance on website information
Loan rejection or lower approval amount
Application delays
Valuation differences
Third-party actions or decisions
Policy changes
Document issues
Technical errors
Communication delays
Client failure to provide accurate or complete information
Our total liability, if any, shall be limited to the amount of service fees paid directly to MGH Consultancy Sdn Bhd for the specific service giving rise to the claim.
You agree to indemnify and hold harmless MGH Consultancy Sdn Bhd, its directors, employees, representatives, agents, and affiliates from any claims, losses, damages, liabilities, costs, or expenses arising from:
Your breach of these Terms
False or misleading information provided by you
Misuse of our website or services
Your failure to comply with third-party requirements
Disputes between you and any third party
Unauthorized use of our content, brand, or materials
We reserve the right to refuse, suspend, or stop providing service to any client at our discretion, especially where:
The client provides false or suspicious information
The client is abusive, threatening, or unreasonable
The client refuses to provide required documents
The client fails to respond for a prolonged period
The case involves unlawful, fraudulent, or unethical activity
There is a conflict of interest
Continuing the service may expose the company to risk
We may update, revise, or replace these Terms of Service at any time without prior notice. The latest version will be posted on this website with the updated effective date.
Continued use of our website or services after changes are posted means you accept the updated terms.
These Terms of Service shall be governed by and interpreted according to the laws of Malaysia. Any dispute shall be subject to the jurisdiction of the Malaysian courts.
For questions about these Terms of Service, you may contact us at:
MGH Consultancy Sdn Bhd
(DISCLAIMER)
MGH Consultancy Sdn Bhd is an independent consultancy company providing LPPSA housing loan guidance and application support. We are not LPPSA, a government agency, bank, law firm, or valuation authority. All eligibility checks, calculations, and information are for reference only. Final approval, financing amount, valuation, legal requirements, and terms are subject to LPPSA and relevant third-party assessment.