Standard Chartered MortgageOne

A fully flexible home loan that combines your savings and home loan accounts into one, providing a quick and easy way to reduce your interest payments.

Standard Chartered MortgageOne
Up to 35 years
Interest Rate
from 4.1% p.a.
Loan type
Full-Flexi loan
Interest Type
Floating interest rate
Margin of finance
up to 90%

Interest Rate

The interest paid based on the home loan amount borrowed

You borrowEstimated Interest Rate
RM70,000 - RM299,9994.75% p.a.
more than RM300,0004.15% p.a.
more than RM600,0004.1% p.a.
*Effective interest rate will be determined by Standard Chartered upon approval.


Minimum Annual Income
Minimum Age
  • 21 to 65 years old
Who can apply
  • Malaysians
  • Salaried employee
  • Self-employed

Fees & Charges

Late Penalty Fee
1% p.a. of the outstanding amount
Processing Fee
RM50 to RM200, depending on the total loan amount range.
Monthly Fee
Early Settlement Fee
2% on the approved loan amount if redeemed within the first 3 or 5 years from the date or any period stated in the letter of offer.
Redemption Letter Fee
RM50 per request
Letter for EPF Withdrawal Fee
RM20 per request
Cancellation Fee
2.25% of the loan amount if the bank bears the entry cost. Otherwise it's 0.5%.
Insurance Types
  • Fire Insurance
  • MRTA

More Information

What is Standard Chartered MortgageOne about?

MortgageOne is an All-In-One account that integrates your savings, payroll, current and mortgage accounts into one convenient transactional account. Financing your new home purchase is now more flexible! 

Whether it is under construction or completed property, MortgageOne will be able to finance up to 90% of the property value, for up to 35 years or up to 70 years old (whichever is earlier). There is also a competitive refinancing rate for your current home loan.

What interest rates can I get with Standard Chartered MortgageOne?

The interest rate you will get is a floating rate at Base Rate with a spread that covers all risks, costs and some margins. 

Nonetheless, MortgageOne offers some of the best bank mortgage rates in the market, as well as flexible repayment up to 35 years or 70 years old (whichever is earlier). 

Can I make advance payments or withdrawals from Standard Chartered MortgageOne?

Yes, you can! MortgageOne provides the flexibility to make advance payments and withdrawals which can be made at any time with no notice and additional charges required. 

However, important to note that the total amount you can withdraw is dependent on the tenure and facility limit available. You can also enjoy convenient banking via ATM facilities, chequebook, phone and internet banking.

How do I pay for my instalments?

There are a few easy ways. You can either pay via Interbank GIRO transfer, Standing Instruction or at Standard Chartered's credit deposit machines. 

Here's a useful tip - you can consolidate all your deposits such as income, bonus and life savings into the MortgageOne account. This will make repayments much more convenient for you! Using the MortgageOne account, you can also make an 'Excess Payment'. 

Excess payment is a very useful feature where you can pay extra on top of your standard instalments to reduce your total tenure and interest repayments, while also giving you the option to withdraw those payments easily for emergencies.

What are the fees and charges I should know?

There are several fees that you should know when applying for a MortgageOne home loan:

  • Setup Fee of RM200
  • Processing Fee between RM50 to RM200, depending on your total loan amount range
  • Maintenance Fee of RM10 monthly
  • Cancellation Fee of 0.5%, if you bear the legal fee, valuation fee and stamp duty; otherwise 2.25% of the total facility.

Any other benefits I can enjoy from the MortgageOne home loan?

Redraw Facility – withdraw excess cash paid into your home loan account for personal use at any time without restrictions and penalty.

Low Start option – for the first two years, you will be allowed to pay a lower instalment so that you can spend your spare cash on making your new house a home. This option is ideal if you feel the pinch after paying for the down payment and other miscellaneous charges.

Payment Holiday – give your monthly repayments a vacation once in a while! This option allows you to defer your payments for a portion of time for some financial breathing space. This is not allowed during the first two years of the Low Start option.

Priority Banking privilege - If you're a Standard Chartered Priority Banking customer, lower interest rates are available for you. 

Do I need an insurance policy?

A Fire Insurance policy is compulsory. 

However, a Mortgage Reducing Term Assurance (MRTA) is optional but highly advised. You can also sign up for optional home insurance, which is underwritten by MSIG.

Who can apply for this conventional term home loan?

Any individuals (Malaysians and non-Malaysians) aged 21 years and above, not exceeding 65 years old at the time of application can apply for this Standard Chartered home loan. 

In order to qualify for any of the borrowing amounts, your monthly repayment should not exceed 40% of your monthly salary.

What documents do I need to prepare for this home loan application?

Property Documents:

  • Complete the application form
  • A copy of SPA / Deposit or Booking Receipts / Letter of Offer from the Housing Developer
  • Photocopy of the Land Title (if any)

Salaried Employee:

  • Copy of IC (front and back)
  • Latest 3-months salary slips AND bank statements
  • Latest EPF statement via Standard Chartered's handheld device; OR 
  • Borang B / BE with LHDN/IRD acknowledgement; AND 
  • Proof of payment/receipt of the refund

New Salaried Employee:

  • Signed official HR Letter (less than 60 days) AND Latest 1-month bank statement; OR
  • Signed Employment Contract (less than 45 days) AND Latest 1-month bank statement

Salaried applicant working abroad:

  • Copy of IC (front and back)
  • Tax assessment form of the specific country; OR
  • Latest 3 months' pay slips AND bank statement; OR
  • CPF statement

Commission Earner:

  • Copy of IC (front and back)
  • 6 months commission statement AND Bank statement; OR
  • EPF / CPF statement if working abroad; OR
  • Tax assessment form of the specific country if working abroad


  • Copy of IC (front and back)
  • EPF Statement
  • Business Registration Certificate for Sole Proprietorship / Partnership of more than 2 years
  • Form 9, 24 and 49 for Private Limited Company; AND
  • Latest 6-months bank statements; OR
  • Latest Audited financial statements/balance sheet and Profit and Loss; AND
  • Latest 3-months company bank statements

Foreigners working in Malaysia:

  • Copy of Passport (front and back)
  • Valid work permit; AND
  • Latest 3-months bank statement; OR
  • Tax assessment from home country

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