{"id":7,"date":"2025-04-29T09:01:16","date_gmt":"2025-04-29T01:01:16","guid":{"rendered":"https:\/\/dylangoh.com\/fisadvisor\/?page_id=7"},"modified":"2026-10-14T18:43:07","modified_gmt":"2026-10-14T10:43:07","slug":"home","status":"publish","type":"page","link":"https:\/\/dylangoh.com\/fisadvisor\/","title":{"rendered":"Home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7\" class=\"elementor elementor-7\" data-elementor-post-type=\"page\">\n\t\t\t\t<section class=\"elementor-element elementor-element-68b257d fis-hero e-flex e-con-boxed e-con e-parent\" data-id=\"68b257d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-123fd29 e-con-full fis-hero-grid e-flex e-con e-child\" data-id=\"123fd29\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-dd5252e e-con-full fis-hero-copy e-flex e-con e-child\" data-id=\"dd5252e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9679d63 fis-eyebrow elementor-widget elementor-widget-heading\" data-id=\"9679d63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Smarter repayments, greater savings<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40754cd fis-display elementor-widget elementor-widget-heading\" data-id=\"40754cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Pay less interest.<br><span class=\"fis-red\">Own your home sooner.<\/span><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-047df47 fis-lead fis-measure elementor-widget elementor-widget-text-editor\" data-id=\"047df47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>I help Malaysian homeowners cut interest and years off their home loan with FIS Advisory&#8217;s repayment strategy. Same bank, same loan, no refinancing. Across FIS cases, homeowners typically pay 30% to 75% less interest.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e6fdfde e-con-full fis-btns e-flex e-con e-child\" data-id=\"e6fdfde\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee3b80f fis-btn elementor-widget elementor-widget-button\" data-id=\"ee3b80f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/dylangoh.com\/fisadvisor\/home-loan-progress-calculator\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Start My Free Health Check<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65a0f48 fis-btn fis-btn-ghost fis-btn-wa elementor-widget elementor-widget-button\" data-id=\"65a0f48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/wa.me\/60127116303?text=Hi%20Dylan%2C%20I&#039;d%20like%20a%20free%20mortgage%20health%20check.\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">WhatsApp Dylan<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b67bb4b e-con-full fis-promises e-flex e-con e-child\" data-id=\"b67bb4b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0083ea fis-mini elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c0083ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-university\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M496 128v16a8 8 0 0 1-8 8h-24v12c0 6.627-5.373 12-12 12H60c-6.627 0-12-5.373-12-12v-12H24a8 8 0 0 1-8-8v-16a8 8 0 0 1 4.941-7.392l232-88a7.996 7.996 0 0 1 6.118 0l232 88A8 8 0 0 1 496 128zm-24 304H40c-13.255 0-24 10.745-24 24v16a8 8 0 0 0 8 8h464a8 8 0 0 0 8-8v-16c0-13.255-10.745-24-24-24zM96 192v192H60c-6.627 0-12 5.373-12 12v20h416v-20c0-6.627-5.373-12-12-12h-36V192h-64v192h-64V192h-64v192h-64V192H96z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tNo bank change\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tKeep your existing loan and bank.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb72168 fis-mini elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"eb72168\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-hand-holding-usd\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M271.06,144.3l54.27,14.3a8.59,8.59,0,0,1,6.63,8.1c0,4.6-4.09,8.4-9.12,8.4h-35.6a30,30,0,0,1-11.19-2.2c-5.24-2.2-11.28-1.7-15.3,2l-19,17.5a11.68,11.68,0,0,0-2.25,2.66,11.42,11.42,0,0,0,3.88,15.74,83.77,83.77,0,0,0,34.51,11.5V240c0,8.8,7.83,16,17.37,16h17.37c9.55,0,17.38-7.2,17.38-16V222.4c32.93-3.6,57.84-31,53.5-63-3.15-23-22.46-41.3-46.56-47.7L282.68,97.4a8.59,8.59,0,0,1-6.63-8.1c0-4.6,4.09-8.4,9.12-8.4h35.6A30,30,0,0,1,332,83.1c5.23,2.2,11.28,1.7,15.3-2l19-17.5A11.31,11.31,0,0,0,368.47,61a11.43,11.43,0,0,0-3.84-15.78,83.82,83.82,0,0,0-34.52-11.5V16c0-8.8-7.82-16-17.37-16H295.37C285.82,0,278,7.2,278,16V33.6c-32.89,3.6-57.85,31-53.51,63C227.63,119.6,247,137.9,271.06,144.3ZM565.27,328.1c-11.8-10.7-30.2-10-42.6,0L430.27,402a63.64,63.64,0,0,1-40,14H272a16,16,0,0,1,0-32h78.29c15.9,0,30.71-10.9,33.25-26.6a31.2,31.2,0,0,0,.46-5.46A32,32,0,0,0,352,320H192a117.66,117.66,0,0,0-74.1,26.29L71.4,384H16A16,16,0,0,0,0,400v96a16,16,0,0,0,16,16H372.77a64,64,0,0,0,40-14L564,377a32,32,0,0,0,1.28-48.9Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPay your bank directly\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFIS never handles your money.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a66d99b fis-mini elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"a66d99b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-ban\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.034 8 8 119.033 8 256s111.034 248 248 248 248-111.034 248-248S392.967 8 256 8zm130.108 117.892c65.448 65.448 70 165.481 20.677 235.637L150.47 105.216c70.204-49.356 170.226-44.735 235.638 20.676zM125.892 386.108c-65.448-65.448-70-165.481-20.677-235.637L361.53 406.784c-70.203 49.356-170.226 44.736-235.638-20.676z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tNo refinancing\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNo new legal or valuation fees.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5df714b elementor-widget elementor-widget-html\" data-id=\"5df714b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"fis-case\" role=\"img\" aria-label=\"Case study: Dylan's own Hong Leong home loan. Remaining tenure 366 months under the standard bank plan versus 183 months with FIS 50. Projected interest RM134,084 versus RM67,042.\">\n  <div class=\"fis-case__card\">\n    <div class=\"fis-case__top\"><span class=\"fis-case__badge\">Real case &middot; my own loan<\/span><span class=\"fis-case__bank\">Hong Leong home loan<\/span><\/div>\n    <p class=\"fis-case__title\">Standard bank plan vs FIS 50<\/p>\n    <div class=\"fis-case__row\"><div class=\"fis-case__k\"><span>Remaining tenure, bank plan<\/span><b>366 months<\/b><\/div><div class=\"fis-case__bar\"><i style=\"width:100%\"><\/i><\/div><\/div>\n    <div class=\"fis-case__row\"><div class=\"fis-case__k\"><span>Remaining tenure, FIS 50<\/span><b>183 months<\/b><\/div><div class=\"fis-case__bar fis-case__bar--fis\"><i style=\"width:50%\"><\/i><\/div><\/div>\n    <div class=\"fis-case__row\"><div class=\"fis-case__k\"><span>Interest payable, bank plan<\/span><b>RM134,084<\/b><\/div><div class=\"fis-case__bar\"><i style=\"width:100%\"><\/i><\/div><\/div>\n    <div class=\"fis-case__row\"><div class=\"fis-case__k\"><span>Interest payable, FIS 50<\/span><b>RM67,042<\/b><\/div><div class=\"fis-case__bar fis-case__bar--fis\"><i style=\"width:50%\"><\/i><\/div><\/div>\n    <div class=\"fis-case__res\"><div><div class=\"fis-case__n\">15.25 yrs<\/div><div class=\"fis-case__l\">sooner to mortgage-free<\/div><\/div><div><div class=\"fis-case__n\">RM67,042<\/div><div class=\"fis-case__l\">projected interest saved<\/div><\/div><\/div>\n    <p class=\"fis-case__foot\">Projection from my FIS Estimated Payment Report. Your result depends on your own loan.<\/p>\n  <\/div>\n  <div class=\"fis-case__chip\"><b>+72 months<\/b>Rate hikes had quietly added 6 years to my loan before I checked.<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-32df043 fis-sec-sm fis-bg-red e-flex e-con-boxed e-con e-parent\" data-id=\"32df043\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-23e5836 e-con-full fis-grid fis-cols-4 fis-trust-grid e-flex e-con e-child\" data-id=\"23e5836\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2535941 fis-trust elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"2535941\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-award\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M97.12 362.63c-8.69-8.69-4.16-6.24-25.12-11.85-9.51-2.55-17.87-7.45-25.43-13.32L1.2 448.7c-4.39 10.77 3.81 22.47 15.43 22.03l52.69-2.01L105.56 507c8 8.44 22.04 5.81 26.43-4.96l52.05-127.62c-10.84 6.04-22.87 9.58-35.31 9.58-19.5 0-37.82-7.59-51.61-21.37zM382.8 448.7l-45.37-111.24c-7.56 5.88-15.92 10.77-25.43 13.32-21.07 5.64-16.45 3.18-25.12 11.85-13.79 13.78-32.12 21.37-51.62 21.37-12.44 0-24.47-3.55-35.31-9.58L252 502.04c4.39 10.77 18.44 13.4 26.43 4.96l36.25-38.28 52.69 2.01c11.62.44 19.82-11.27 15.43-22.03zM263 340c15.28-15.55 17.03-14.21 38.79-20.14 13.89-3.79 24.75-14.84 28.47-28.98 7.48-28.4 5.54-24.97 25.95-45.75 10.17-10.35 14.14-25.44 10.42-39.58-7.47-28.38-7.48-24.42 0-52.83 3.72-14.14-.25-29.23-10.42-39.58-20.41-20.78-18.47-17.36-25.95-45.75-3.72-14.14-14.58-25.19-28.47-28.98-27.88-7.61-24.52-5.62-44.95-26.41-10.17-10.35-25-14.4-38.89-10.61-27.87 7.6-23.98 7.61-51.9 0-13.89-3.79-28.72.25-38.89 10.61-20.41 20.78-17.05 18.8-44.94 26.41-13.89 3.79-24.75 14.84-28.47 28.98-7.47 28.39-5.54 24.97-25.95 45.75-10.17 10.35-14.15 25.44-10.42 39.58 7.47 28.36 7.48 24.4 0 52.82-3.72 14.14.25 29.23 10.42 39.59 20.41 20.78 18.47 17.35 25.95 45.75 3.72 14.14 14.58 25.19 28.47 28.98C104.6 325.96 106.27 325 121 340c13.23 13.47 33.84 15.88 49.74 5.82a39.676 39.676 0 0 1 42.53 0c15.89 10.06 36.5 7.65 49.73-5.82zM97.66 175.96c0-53.03 42.24-96.02 94.34-96.02s94.34 42.99 94.34 96.02-42.24 96.02-94.34 96.02-94.34-42.99-94.34-96.02z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSince 2014\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFIS Advisory: Malaysia's mortgage interest optimisation specialists\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f70dd75 fis-trust elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"f70dd75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-university\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M496 128v16a8 8 0 0 1-8 8h-24v12c0 6.627-5.373 12-12 12H60c-6.627 0-12-5.373-12-12v-12H24a8 8 0 0 1-8-8v-16a8 8 0 0 1 4.941-7.392l232-88a7.996 7.996 0 0 1 6.118 0l232 88A8 8 0 0 1 496 128zm-24 304H40c-13.255 0-24 10.745-24 24v16a8 8 0 0 0 8 8h464a8 8 0 0 0 8-8v-16c0-13.255-10.745-24-24-24zM96 192v192H60c-6.627 0-12 5.373-12 12v20h416v-20c0-6.627-5.373-12-12-12h-36V192h-64v192h-64V192h-64v192h-64V192H96z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMajor Malaysian banks\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWorks with the loan you already have\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-606529b fis-trust elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"606529b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-shield-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.5 83.7l-192-80a48.15 48.15 0 0 0-36.9 0l-192 80C27.7 91.1 16 108.6 16 128c0 198.5 114.5 335.7 221.5 380.3 11.8 4.9 25.1 4.9 36.9 0C360.1 472.6 496 349.3 496 128c0-19.4-11.7-36.9-29.5-44.3zM256.1 446.3l-.1-381 175.9 73.3c-3.3 151.4-82.1 261.1-175.8 307.7z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tNo refinancing\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNo bank switching, no new loan agreement\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b278abe fis-trust elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"b278abe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-check\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4zm323-128.4l-27.8-28.1c-4.6-4.7-12.1-4.7-16.8-.1l-104.8 104-45.5-45.8c-4.6-4.7-12.1-4.7-16.8-.1l-28.1 27.9c-4.7 4.6-4.7 12.1-.1 16.8l81.7 82.3c4.6 4.7 12.1 4.7 16.8.1l141.3-140.2c4.6-4.7 4.7-12.2.1-16.8z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAuthorised FIS agent\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tDylan Goh, agent code C-210-350\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-1fa5be5 fis-sec e-flex e-con-boxed e-con e-parent\" data-id=\"1fa5be5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c055780 e-con-full fis-head fis-center e-flex e-con e-child\" data-id=\"c055780\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-473af0c fis-eyebrow fis-center elementor-widget elementor-widget-heading\" data-id=\"473af0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Is your mortgage working as hard as you are?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f216ba fis-h2 elementor-widget elementor-widget-heading\" data-id=\"9f216ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is your mortgage really <span class=\"fis-red\">on track?<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dff1e73 fis-lead fis-center elementor-widget elementor-widget-text-editor\" data-id=\"dff1e73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Most homeowners pay faithfully every month and assume the loan is shrinking on schedule. Often it is not.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a95ee2 e-con-full fis-grid fis-cols-3 e-flex e-con e-child\" data-id=\"3a95ee2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3376f9b fis-ibox fis-card fis-lift elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3376f9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-hourglass-half\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M360 0H24C10.745 0 0 10.745 0 24v16c0 13.255 10.745 24 24 24 0 90.965 51.016 167.734 120.842 192C75.016 280.266 24 357.035 24 448c-13.255 0-24 10.745-24 24v16c0 13.255 10.745 24 24 24h336c13.255 0 24-10.745 24-24v-16c0-13.255-10.745-24-24-24 0-90.965-51.016-167.734-120.842-192C308.984 231.734 360 154.965 360 64c13.255 0 24-10.745 24-24V24c0-13.255-10.745-24-24-24zm-75.078 384H99.08c17.059-46.797 52.096-80 92.92-80 40.821 0 75.862 33.196 92.922 80zm.019-256H99.078C91.988 108.548 88 86.748 88 64h208c0 22.805-3.987 44.587-11.059 64z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tYour balance barely moves\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tYears of instalments, yet the outstanding amount drops far slower than you expected. In the early years, most of each payment goes to interest.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd60028 fis-ibox fis-card fis-lift elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"fd60028\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chart-line\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M496 384H64V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-32c0-8.84-7.16-16-16-16zM464 96H345.94c-21.38 0-32.09 25.85-16.97 40.97l32.4 32.4L288 242.75l-73.37-73.37c-12.5-12.5-32.76-12.5-45.25 0l-68.69 68.69c-6.25 6.25-6.25 16.38 0 22.63l22.62 22.62c6.25 6.25 16.38 6.25 22.63 0L192 237.25l73.37 73.37c12.5 12.5 32.76 12.5 45.25 0l96-96 32.4 32.4c15.12 15.12 40.97 4.41 40.97-16.97V112c.01-8.84-7.15-16-15.99-16z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRate hikes quietly add years\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWhen OPR and your bank's base rate go up but your instalment stays the same, your tenure can stretch without anyone telling you.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f81912d fis-ibox fis-card fis-lift elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"f81912d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-random\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504.971 359.029c9.373 9.373 9.373 24.569 0 33.941l-80 79.984c-15.01 15.01-40.971 4.49-40.971-16.971V416h-58.785a12.004 12.004 0 0 1-8.773-3.812l-70.556-75.596 53.333-57.143L352 336h32v-39.981c0-21.438 25.943-31.998 40.971-16.971l80 79.981zM12 176h84l52.781 56.551 53.333-57.143-70.556-75.596A11.999 11.999 0 0 0 122.785 96H12c-6.627 0-12 5.373-12 12v56c0 6.627 5.373 12 12 12zm372 0v39.984c0 21.46 25.961 31.98 40.971 16.971l80-79.984c9.373-9.373 9.373-24.569 0-33.941l-80-79.981C409.943 24.021 384 34.582 384 56.019V96h-58.785a12.004 12.004 0 0 0-8.773 3.812L96 336H12c-6.627 0-12 5.373-12 12v56c0 6.627 5.373 12 12 12h110.785c3.326 0 6.503-1.381 8.773-3.812L352 176h32z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tExtra cash, no clear plan\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tRandom lump sums help a little, but without a structure built around how your bank calculates interest, you rarely get the full benefit.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1942e7b e-con-full fis-callout e-flex e-con e-child\" data-id=\"1942e7b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9cee075 fis-body elementor-widget elementor-widget-text-editor\" data-id=\"9cee075\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>That happened to me.<\/strong> My own loan had stretched by 72 months before anyone ran the numbers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-125c47e fis-btn fis-btn-sm elementor-widget elementor-widget-button\" data-id=\"125c47e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/dylangoh.com\/fisadvisor\/home-loan-progress-calculator\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Check my loan for free<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-2e7f63d fis-sec fis-bg-white fis-line-top e-flex e-con-boxed e-con e-parent\" data-id=\"2e7f63d\" data-element_type=\"container\" data-e-type=\"container\" id=\"my-story\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b31fa10 e-con-full fis-grid fis-cols-2 e-flex e-con e-child\" data-id=\"b31fa10\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10a5adc fis-frame elementor-widget elementor-widget-image\" data-id=\"10a5adc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"643\" height=\"480\" src=\"https:\/\/dylangoh.com\/fisadvisor\/wp-content\/uploads\/2026\/01\/Gemini_Generated_Image_48psyx48psyx48ps.jpg\" class=\"attachment-full size-full wp-image-294\" alt=\"\" srcset=\"https:\/\/dylangoh.com\/fisadvisor\/wp-content\/uploads\/2026\/01\/Gemini_Generated_Image_48psyx48psyx48ps.jpg 643w, https:\/\/dylangoh.com\/fisadvisor\/wp-content\/uploads\/2026\/01\/Gemini_Generated_Image_48psyx48psyx48ps-300x224.jpg 300w\" sizes=\"(max-width: 643px) 100vw, 643px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55ae955 e-con-full e-flex e-con e-child\" data-id=\"55ae955\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45feb2f fis-eyebrow elementor-widget elementor-widget-heading\" data-id=\"45feb2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Why I do this<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79c467d fis-h2 elementor-widget elementor-widget-heading\" data-id=\"79c467d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">I was an FIS client <span class=\"fis-red\">before I became an agent<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-530474a fis-body elementor-widget elementor-widget-text-editor\" data-id=\"530474a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For 66 months I paid RM768 every month on my Hong Leong home loan, RM50,688 in total. When FIS ran an Estimated Payment Report on my loan, I found that OPR and BLR increases had quietly <strong>extended my tenure by 72 months<\/strong>.<\/p><p>With the FIS 50 plan, my remaining tenure dropped from 366 to 183 months and my projected interest fell from RM134,084 to RM67,042. That is why I joined FIS Advisory: so other homeowners find out sooner than I did.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99464fd elementor-widget elementor-widget-html\" data-id=\"99464fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"fis-stats\">\n  <div class=\"fis-stat\"><div class=\"fis-stat__n\">183<\/div><div class=\"fis-stat__l\">months cut from my remaining tenure<\/div><\/div>\n  <div class=\"fis-stat\"><div class=\"fis-stat__n\">50%<\/div><div class=\"fis-stat__l\">less interest with the FIS 50 plan<\/div><\/div>\n  <div class=\"fis-stat\"><div class=\"fis-stat__n\">RM67k<\/div><div class=\"fis-stat__l\">projected interest saved<\/div><\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-841d086 fis-btn fis-btn-ghost elementor-widget elementor-widget-button\" data-id=\"841d086\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/dylangoh.com\/fisadvisor\/mortgage-health-check-save-interest-reduce-tenure\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read my full story<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-865e5f9 fis-sec e-flex e-con-boxed e-con e-parent\" data-id=\"865e5f9\" data-element_type=\"container\" data-e-type=\"container\" id=\"how-it-works\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9ae40d9 e-con-full fis-head fis-center e-flex e-con e-child\" data-id=\"9ae40d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45e3405 fis-eyebrow fis-center elementor-widget elementor-widget-heading\" data-id=\"45e3405\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Our 5-step process<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6562a2c fis-h2 elementor-widget elementor-widget-heading\" data-id=\"6562a2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How <span class=\"fis-red\">FIS<\/span> works<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35d97b9 fis-lead fis-center elementor-widget elementor-widget-text-editor\" data-id=\"35d97b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>From your first conversation to verified savings. Typically 30% to 75% less interest paid.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f126382 e-con-full fis-grid fis-cols-5 fis-steps e-flex e-con e-child\" data-id=\"f126382\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8519ac fis-ibox fis-card fis-step elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c8519ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-search-dollar\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505.04 442.66l-99.71-99.69c-4.5-4.5-10.6-7-17-7h-16.3c27.6-35.3 44-79.69 44-127.99C416.03 93.09 322.92 0 208.02 0S0 93.09 0 207.98s93.11 207.98 208.02 207.98c48.3 0 92.71-16.4 128.01-44v16.3c0 6.4 2.5 12.5 7 17l99.71 99.69c9.4 9.4 24.6 9.4 33.9 0l28.3-28.3c9.4-9.4 9.4-24.59.1-33.99zm-297.02-90.7c-79.54 0-144-64.34-144-143.98 0-79.53 64.35-143.98 144-143.98 79.54 0 144 64.34 144 143.98 0 79.53-64.35 143.98-144 143.98zm27.11-152.54l-45.01-13.5c-5.16-1.55-8.77-6.78-8.77-12.73 0-7.27 5.3-13.19 11.8-13.19h28.11c4.56 0 8.96 1.29 12.82 3.72 3.24 2.03 7.36 1.91 10.13-.73l11.75-11.21c3.53-3.37 3.33-9.21-.57-12.14-9.1-6.83-20.08-10.77-31.37-11.35V112c0-4.42-3.58-8-8-8h-16c-4.42 0-8 3.58-8 8v16.12c-23.63.63-42.68 20.55-42.68 45.07 0 19.97 12.99 37.81 31.58 43.39l45.01 13.5c5.16 1.55 8.77 6.78 8.77 12.73 0 7.27-5.3 13.19-11.8 13.19h-28.1c-4.56 0-8.96-1.29-12.82-3.72-3.24-2.03-7.36-1.91-10.13.73l-11.75 11.21c-3.53 3.37-3.33 9.21.57 12.14 9.1 6.83 20.08 10.77 31.37 11.35V304c0 4.42 3.58 8 8 8h16c4.42 0 8-3.58 8-8v-16.12c23.63-.63 42.68-20.54 42.68-45.07 0-19.97-12.99-37.81-31.59-43.39z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tReview\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSend your latest loan statement and offer letter. We check how much interest you are on track to pay.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8acb233 fis-ibox fis-card fis-step elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"8acb233\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-drafting-compass\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M457.01 344.42c-25.05 20.33-52.63 37.18-82.54 49.05l54.38 94.19 53.95 23.04c9.81 4.19 20.89-2.21 22.17-12.8l7.02-58.25-54.98-95.23zm42.49-94.56c4.86-7.67 1.89-17.99-6.05-22.39l-28.07-15.57c-7.48-4.15-16.61-1.46-21.26 5.72C403.01 281.15 332.25 320 256 320c-23.93 0-47.23-4.25-69.41-11.53l67.36-116.68c.7.02 1.34.21 2.04.21s1.35-.19 2.04-.21l51.09 88.5c31.23-8.96 59.56-25.75 82.61-48.92l-51.79-89.71C347.39 128.03 352 112.63 352 96c0-53.02-42.98-96-96-96s-96 42.98-96 96c0 16.63 4.61 32.03 12.05 45.66l-68.3 118.31c-12.55-11.61-23.96-24.59-33.68-39-4.79-7.1-13.97-9.62-21.38-5.33l-27.75 16.07c-7.85 4.54-10.63 14.9-5.64 22.47 15.57 23.64 34.69 44.21 55.98 62.02L0 439.66l7.02 58.25c1.28 10.59 12.36 16.99 22.17 12.8l53.95-23.04 70.8-122.63C186.13 377.28 220.62 384 256 384c99.05 0 190.88-51.01 243.5-134.14zM256 64c17.67 0 32 14.33 32 32s-14.33 32-32 32-32-14.33-32-32 14.33-32 32-32z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPlan\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFIS designs a repayment plan (FIS 30, 50 or 75) around your goals and monthly cash flow.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c940d8 fis-ibox fis-card fis-step elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"0c940d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-file-signature\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M218.17 424.14c-2.95-5.92-8.09-6.52-10.17-6.52s-7.22.59-10.02 6.19l-7.67 15.34c-6.37 12.78-25.03 11.37-29.48-2.09L144 386.59l-10.61 31.88c-5.89 17.66-22.38 29.53-41 29.53H80c-8.84 0-16-7.16-16-16s7.16-16 16-16h12.39c4.83 0 9.11-3.08 10.64-7.66l18.19-54.64c3.3-9.81 12.44-16.41 22.78-16.41s19.48 6.59 22.77 16.41l13.88 41.64c19.75-16.19 54.06-9.7 66 14.16 1.89 3.78 5.49 5.95 9.36 6.26v-82.12l128-127.09V160H248c-13.2 0-24-10.8-24-24V0H24C10.7 0 0 10.7 0 24v464c0 13.3 10.7 24 24 24h336c13.3 0 24-10.7 24-24v-40l-128-.11c-16.12-.31-30.58-9.28-37.83-23.75zM384 121.9c0-6.3-2.5-12.4-7-16.9L279.1 7c-4.5-4.5-10.6-7-17-7H256v128h128v-6.1zm-96 225.06V416h68.99l161.68-162.78-67.88-67.88L288 346.96zm280.54-179.63l-31.87-31.87c-9.94-9.94-26.07-9.94-36.01 0l-27.25 27.25 67.88 67.88 27.25-27.25c9.95-9.94 9.95-26.07 0-36.01z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tImplement\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tI walk you through the simple setup. Your loan, your bank and your account stay the same.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e80d905 fis-ibox fis-card fis-step elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e80d905\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calendar-check\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M436 160H12c-6.627 0-12-5.373-12-12v-36c0-26.51 21.49-48 48-48h48V12c0-6.627 5.373-12 12-12h40c6.627 0 12 5.373 12 12v52h128V12c0-6.627 5.373-12 12-12h40c6.627 0 12 5.373 12 12v52h48c26.51 0 48 21.49 48 48v36c0 6.627-5.373 12-12 12zM12 192h424c6.627 0 12 5.373 12 12v260c0 26.51-21.49 48-48 48H48c-26.51 0-48-21.49-48-48V204c0-6.627 5.373-12 12-12zm333.296 95.947l-28.169-28.398c-4.667-4.705-12.265-4.736-16.97-.068L194.12 364.665l-45.98-46.352c-4.667-4.705-12.266-4.736-16.971-.068l-28.397 28.17c-4.705 4.667-4.736 12.265-.068 16.97l82.601 83.269c4.667 4.705 12.265 4.736 16.97.068l142.953-141.805c4.705-4.667 4.736-12.265.068-16.97z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tExecute\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tYou pay your bank directly each month, following your plan. The savings build up over time.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-147d419 fis-ibox fis-card fis-step elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"147d419\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-clipboard-check\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M336 64h-80c0-35.3-28.7-64-64-64s-64 28.7-64 64H48C21.5 64 0 85.5 0 112v352c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48V112c0-26.5-21.5-48-48-48zM192 40c13.3 0 24 10.7 24 24s-10.7 24-24 24-24-10.7-24-24 10.7-24 24-24zm121.2 231.8l-143 141.8c-4.7 4.7-12.3 4.6-17-.1l-82.6-83.3c-4.7-4.7-4.6-12.3.1-17L99.1 285c4.7-4.7 12.3-4.6 17 .1l46 46.4 106-105.2c4.7-4.7 12.3-4.6 17 .1l28.2 28.4c4.7 4.8 4.6 12.3-.1 17z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tVerify\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe compare your bank statements against the plan regularly to confirm the savings are real.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-dac7b80 fis-sec fis-bg-white fis-line-top e-flex e-con-boxed e-con e-parent\" data-id=\"dac7b80\" data-element_type=\"container\" data-e-type=\"container\" id=\"plans\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2d2f7ad e-con-full fis-head fis-center e-flex e-con e-child\" data-id=\"2d2f7ad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d7ac49c fis-eyebrow fis-center elementor-widget elementor-widget-heading\" data-id=\"d7ac49c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Your personalised roadmap<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5feeae6 fis-h2 elementor-widget elementor-widget-heading\" data-id=\"5feeae6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Three ways to <span class=\"fis-red\">pay less interest<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e29796e fis-lead fis-center elementor-widget elementor-widget-text-editor\" data-id=\"e29796e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>After reviewing your loan, FIS recommends the plan that fits your goals and cash flow. You never have to guess.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3dd94a5 e-con-full fis-grid fis-cols-3 e-flex e-con e-child\" data-id=\"3dd94a5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-62f9fe9 e-con-full fis-card fis-plan fis-lift e-flex e-con e-child\" data-id=\"62f9fe9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15f0571 fis-plan-name elementor-widget elementor-widget-heading\" data-id=\"15f0571\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FIS <span class=\"fis-red\">30<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-872e372 fis-plan-tag elementor-widget elementor-widget-heading\" data-id=\"872e372\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Smart Start<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ae2816 fis-body elementor-widget elementor-widget-text-editor\" data-id=\"4ae2816\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Start saving, even on a tighter budget.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aae617a fis-checks elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"aae617a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Around 30% less interest over time<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Shorter tenure with a small monthly adjustment<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Simple and easy to keep up<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86d5494 fis-bestfor elementor-widget elementor-widget-text-editor\" data-id=\"86d5494\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Best for<\/strong>Homeowners who want to start without financial pressure.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55ba1e0 e-con-full fis-card fis-plan fis-lift fis-plan--pop e-flex e-con e-child\" data-id=\"55ba1e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a552f6c fis-badge elementor-widget elementor-widget-heading\" data-id=\"a552f6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Most popular<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66dd5bf fis-plan-name elementor-widget elementor-widget-heading\" data-id=\"66dd5bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FIS <span class=\"fis-red\">50<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-724e612 fis-plan-tag elementor-widget elementor-widget-heading\" data-id=\"724e612\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Accelerator<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76a7665 fis-body elementor-widget elementor-widget-text-editor\" data-id=\"76a7665\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Balance today&#8217;s comfort with a faster payoff.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa6d17b fis-checks elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"fa6d17b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Around 50% less interest over time<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A meaningfully shorter tenure<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Steady progress without stretching cash flow<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d07c12 fis-bestfor elementor-widget elementor-widget-text-editor\" data-id=\"5d07c12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Best for<\/strong>Homeowners who want the best balance of savings and affordability.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fbd6eb1 e-con-full fis-card fis-plan fis-lift e-flex e-con e-child\" data-id=\"fbd6eb1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8fad82 fis-plan-name elementor-widget elementor-widget-heading\" data-id=\"b8fad82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FIS <span class=\"fis-red\">75<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-464c78e fis-plan-tag elementor-widget elementor-widget-heading\" data-id=\"464c78e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Fast Track Freedom<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a7a913 fis-body elementor-widget elementor-widget-text-editor\" data-id=\"4a7a913\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Maximise savings and finish much sooner.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6deb0bf fis-checks elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6deb0bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Up to 75% less interest over time<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A significantly shorter tenure<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Flexible access to funds when needed<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15b00f3 fis-bestfor elementor-widget elementor-widget-text-editor\" data-id=\"15b00f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Best for<\/strong>Homeowners who want the fastest path to being mortgage-free.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c1eddd fis-small fis-center elementor-widget elementor-widget-text-editor\" data-id=\"6c1eddd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Percentages are typical outcomes across FIS cases, not a guarantee. Your plan and projected savings are confirmed only after your loan is reviewed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-2403cd7 fis-sec e-flex e-con-boxed e-con e-parent\" data-id=\"2403cd7\" data-element_type=\"container\" data-e-type=\"container\" id=\"success-stories\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1a1fd5a e-con-full fis-head fis-center e-flex e-con e-child\" data-id=\"1a1fd5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e3b14b fis-eyebrow fis-center elementor-widget elementor-widget-heading\" data-id=\"1e3b14b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">FIS customer success stories<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5bbcae fis-h2 elementor-widget elementor-widget-heading\" data-id=\"d5bbcae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Real homeowners. <span class=\"fis-red\">Real results.<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1b8f97 fis-lead fis-center elementor-widget elementor-widget-text-editor\" data-id=\"b1b8f97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Results published by FIS Advisory from its customers. Every loan is different, so your own plan and projected savings are confirmed only after a review.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-320c0f1 e-con-full fis-grid fis-cols-3 e-flex e-con e-child\" data-id=\"320c0f1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-96678a0 e-con-full fis-card fis-story fis-lift e-flex e-con e-child\" data-id=\"96678a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6963ac7 elementor-widget elementor-widget-html\" data-id=\"6963ac7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"fis-story__stats\"><div><b>75%<\/b><span>interest saved<\/span><\/div><div><b>28 \u2192 7 yrs<\/b><span>loan tenure<\/span><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4259ba fis-story-status elementor-widget elementor-widget-heading\" data-id=\"c4259ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><span class=\"fis-status fis-status--done\">Loan completed<\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d7f4f2 e-con-full fis-story-who e-flex e-con e-child\" data-id=\"6d7f4f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6af43a8 elementor-widget elementor-widget-html\" data-id=\"6af43a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"fis-avatar\" src=\"https:\/\/dylangoh.com\/fisadvisor\/wp-content\/uploads\/2026\/10\/fis-customer-chris.jpg\" alt=\"Chris Chia, FIS Advisory customer\" width=\"56\" height=\"56\" loading=\"lazy\">\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ad48476 e-con-full e-flex e-con e-child\" data-id=\"ad48476\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-133fd0e fis-h3 elementor-widget elementor-widget-heading\" data-id=\"133fd0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Chris Chia<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03bdc12 fis-plan-tag elementor-widget elementor-widget-heading\" data-id=\"03bdc12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Financial clarity<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9e0320 fis-body fis-story-text elementor-widget elementor-widget-text-editor\" data-id=\"e9e0320\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A businesswoman who did not want to tie up a lump sum, Chris started out sceptical and compared her FIS ledger with her bank statement every six months. The figures matched, and she finished a 28-year loan in 7. She is now optimising two more loans.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-376488d e-con-full fis-card fis-story fis-lift e-flex e-con e-child\" data-id=\"376488d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1de3c66 elementor-widget elementor-widget-html\" data-id=\"1de3c66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"fis-story__stats\"><div><b>50%<\/b><span>interest saved<\/span><\/div><div><b>21 \u2192 10 yrs<\/b><span>loan tenure<\/span><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bcd68a fis-story-status elementor-widget elementor-widget-heading\" data-id=\"8bcd68a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><span class=\"fis-status fis-status--done\">Loan completed<\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a65eabc e-con-full fis-story-who e-flex e-con e-child\" data-id=\"a65eabc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-231e9f7 elementor-widget elementor-widget-html\" data-id=\"231e9f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"fis-avatar\" src=\"https:\/\/dylangoh.com\/fisadvisor\/wp-content\/uploads\/2026\/10\/fis-customer-clara.jpg\" alt=\"Clara Hoh, FIS Advisory customer\" width=\"56\" height=\"56\" loading=\"lazy\">\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba067d7 e-con-full e-flex e-con e-child\" data-id=\"ba067d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-509c5a6 fis-h3 elementor-widget elementor-widget-heading\" data-id=\"509c5a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Clara Hoh<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c87294 fis-plan-tag elementor-widget elementor-widget-heading\" data-id=\"3c87294\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Freedom as risk management<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e16123 fis-body fis-story-text elementor-widget elementor-widget-text-editor\" data-id=\"2e16123\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Clara did not want to depend on her income for 21 years while carrying the risk of illness or retrenchment. Following the FIS ledger, she cleared her home loan in 10 years and saved about half the interest.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0718e0d e-con-full fis-card fis-story fis-lift e-flex e-con e-child\" data-id=\"0718e0d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-08b63df elementor-widget elementor-widget-html\" data-id=\"08b63df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"fis-story__stats\"><div><b>75%<\/b><span>interest saved<\/span><\/div><div><b>30 \u2192 7\u00bd yrs<\/b><span>loan tenure<\/span><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4acaa05 fis-story-status elementor-widget elementor-widget-heading\" data-id=\"4acaa05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><span class=\"fis-status fis-status--done\">Loan completed<\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8259422 e-con-full fis-story-who e-flex e-con e-child\" data-id=\"8259422\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b091c6 elementor-widget elementor-widget-html\" data-id=\"2b091c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"fis-avatar fis-avatar--initials\" aria-hidden=\"true\">N<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bc4b4e5 e-con-full e-flex e-con e-child\" data-id=\"bc4b4e5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-57a4748 fis-h3 elementor-widget elementor-widget-heading\" data-id=\"57a4748\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Nurul<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aeabd10 fis-plan-tag elementor-widget elementor-widget-heading\" data-id=\"aeabd10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Financial freedom<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1834207 fis-body fis-story-text elementor-widget elementor-widget-text-editor\" data-id=\"1834207\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Nurul used to focus only on paying each month. Once she understood how her loan worked and followed the FIS ledger consistently, she completed a 30-year mortgage in 7\u00bd years.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-52bf80b e-con-full fis-card fis-story fis-lift e-flex e-con e-child\" data-id=\"52bf80b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92cb97c elementor-widget elementor-widget-html\" data-id=\"92cb97c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"fis-story__stats\"><div><b>50%<\/b><span>interest saved<\/span><\/div><div><b>18 \u2192 9 yrs<\/b><span>loan tenure<\/span><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afa5c04 fis-story-status elementor-widget elementor-widget-heading\" data-id=\"afa5c04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><span class=\"fis-status\">On track<\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-75fec15 e-con-full fis-story-who e-flex e-con e-child\" data-id=\"75fec15\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9661efb elementor-widget elementor-widget-html\" data-id=\"9661efb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"fis-avatar fis-avatar--initials\" aria-hidden=\"true\">MA<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1711576 e-con-full e-flex e-con e-child\" data-id=\"1711576\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e35f327 fis-h3 elementor-widget elementor-widget-heading\" data-id=\"e35f327\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mohamed Aziz<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53e7d85 fis-plan-tag elementor-widget elementor-widget-heading\" data-id=\"53e7d85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">I wish I knew earlier<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fc4930 fis-body fis-story-text elementor-widget elementor-widget-text-editor\" data-id=\"1fc4930\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>After 12 years of faithful payments his balance had barely moved. The past could not be changed, but FIS built a plan around his cash flow to cut the remaining tenure in half.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cd0e1ce e-con-full fis-card fis-story fis-lift e-flex e-con e-child\" data-id=\"cd0e1ce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-706731a elementor-widget elementor-widget-html\" data-id=\"706731a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"fis-story__stats\"><div><b>30%<\/b><span>interest saved<\/span><\/div><div><b>35 \u2192 24\u00bd yrs<\/b><span>loan tenure<\/span><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09cad8b fis-story-status elementor-widget elementor-widget-heading\" data-id=\"09cad8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><span class=\"fis-status\">On track<\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2c000eb e-con-full fis-story-who e-flex e-con e-child\" data-id=\"2c000eb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d3a9617 elementor-widget elementor-widget-html\" data-id=\"d3a9617\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"fis-avatar fis-avatar--initials\" aria-hidden=\"true\">J<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e41285 e-con-full e-flex e-con e-child\" data-id=\"2e41285\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76da096 fis-h3 elementor-widget elementor-widget-heading\" data-id=\"76da096\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Jason<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2cb8ca fis-plan-tag elementor-widget elementor-widget-heading\" data-id=\"c2cb8ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Starting smart<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f0d0d8 fis-body fis-story-text elementor-widget elementor-widget-text-editor\" data-id=\"1f0d0d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A first-time buyer on a tight early-career budget, Jason started right after vacant possession instead of waiting. His plan takes 10\u00bd years off a loan that would have run into his mid-60s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25355fe e-con-full fis-card fis-story fis-lift e-flex e-con e-child\" data-id=\"25355fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29a6e3c elementor-widget elementor-widget-html\" data-id=\"29a6e3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"fis-story__stats\"><div><b>50%<\/b><span>interest saved<\/span><\/div><div><b>28 \u2192 14 yrs<\/b><span>loan tenure<\/span><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd79989 fis-story-status elementor-widget elementor-widget-heading\" data-id=\"cd79989\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><span class=\"fis-status\">On track<\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76202ef e-con-full fis-story-who e-flex e-con e-child\" data-id=\"76202ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43ed574 elementor-widget elementor-widget-html\" data-id=\"43ed574\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"fis-avatar fis-avatar--initials\" aria-hidden=\"true\">K<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac8ef4c e-con-full e-flex e-con e-child\" data-id=\"ac8ef4c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cde43e7 fis-h3 elementor-widget elementor-widget-heading\" data-id=\"cde43e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Kelvin<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbbb7a5 fis-plan-tag elementor-widget elementor-widget-heading\" data-id=\"bbbb7a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Loan clarity<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-576def2 fis-body fis-story-text elementor-widget elementor-widget-text-editor\" data-id=\"576def2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Kelvin paid as instructed but could not see where his money went. His FIS ledger now shows what to pay each month and how each step cuts interest, on track to finish 14 years sooner.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-83c0e9f e-con-full fis-stories-foot e-flex e-con e-child\" data-id=\"83c0e9f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58f4b01 fis-small fis-center elementor-widget elementor-widget-text-editor\" data-id=\"58f4b01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Stories, results and photos: FIS Advisory Sdn Bhd, <a href=\"https:\/\/www.fisadvisory.com\/#success-stories\" target=\"_blank\" rel=\"noopener\">fisadvisory.com<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-a3a9af3 fis-sec-sm fis-bg-ink e-flex e-con-boxed e-con e-parent\" data-id=\"a3a9af3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8a25880 e-con-full fis-grid fis-cols-2 fis-on-dark e-flex e-con e-child\" data-id=\"8a25880\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-848c798 e-con-full e-flex e-con e-child\" data-id=\"848c798\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce03fe4 fis-eyebrow elementor-widget elementor-widget-heading\" data-id=\"ce03fe4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Free Mortgage Health Check<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73ce411 fis-h2 elementor-widget elementor-widget-heading\" data-id=\"73ce411\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When will your home loan <span class=\"fis-red\">really<\/span> end?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7f77e4 fis-lead fis-on-dark elementor-widget elementor-widget-text-editor\" data-id=\"d7f77e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Enter the numbers from your loan statement and see where you really stand. It takes about 2 minutes and works in English, Bahasa Malaysia and \u4e2d\u6587.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a50216 fis-btn fis-btn-light elementor-widget elementor-widget-button\" data-id=\"8a50216\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/dylangoh.com\/fisadvisor\/home-loan-progress-calculator\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Start My Free Health Check<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd9b6ac fis-checks fis-on-dark elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"fd9b6ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">How much of what you have paid went to interest vs principal<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Whether your loan is on track to finish on time<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">The instalment needed to finish on schedule<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A PDF report you can keep, plus an optional free consultation<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-a2ad7ab fis-sec e-flex e-con-boxed e-con e-parent\" data-id=\"a2ad7ab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-148bd18 e-con-full fis-head fis-center e-flex e-con e-child\" data-id=\"148bd18\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-57110e1 fis-eyebrow fis-center elementor-widget elementor-widget-heading\" data-id=\"57110e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Questions<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7a615b fis-h2 elementor-widget elementor-widget-heading\" data-id=\"d7a615b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quick <span class=\"fis-red\">answers<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e185c76 elementor-widget elementor-widget-html\" data-id=\"e185c76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"fis-faq\">\n<details><summary>Do I need to refinance or change banks?<\/summary><div class=\"fis-faq__a\"><p>No. FIS works on how you repay the loan you already have. Your bank, your loan account and your loan agreement stay the same, so there are no new legal or valuation fees.<\/p><\/div><\/details>\n<details><summary>How much could I save?<\/summary><div class=\"fis-faq__a\"><p>It depends on your loan amount, rate, remaining tenure and how your instalments are applied. Across FIS-tracked cases, the average customer saved 48.8% of their mortgage interest and cut their tenure by about 52%. For suitable cases the typical range is 30% to 75%, but every loan is reviewed individually before any figure is promised.<\/p><\/div><\/details>\n<details><summary>Is the review really free? Do I have to sign up first?<\/summary><div class=\"fis-faq__a\"><p>Yes, the review is free and there is no obligation. You see what the analysis says about your loan first, and only then decide whether to go ahead.<\/p><\/div><\/details>\n<details><summary>Does FIS handle my money?<\/summary><div class=\"fis-faq__a\"><p>No. You keep paying your bank directly, from your own account. FIS designs and tracks the repayment plan; it never collects your instalments.<\/p><\/div><\/details>\n<details><summary>What do I need to get started?<\/summary><div class=\"fis-faq__a\"><p>Your latest loan statement and your letter of offer. For an existing loan, the dates and amounts of your last three instalments help too. You can also start with the online <a href=\"https:\/\/dylangoh.com\/fisadvisor\/home-loan-progress-calculator\/\">Mortgage Health Check<\/a> using just the numbers from your statement.<\/p><\/div><\/details>\n<\/div>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Do I need to refinance or change banks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. FIS works on how you repay the loan you already have. Your bank, your loan account and your loan agreement stay the same, so there are no new legal or valuation fees.\"}},{\"@type\":\"Question\",\"name\":\"How much could I save?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on your loan amount, rate, remaining tenure and how your instalments are applied. Across FIS-tracked cases, the average customer saved 48.8% of their mortgage interest and cut their tenure by about 52%. For suitable cases the typical range is 30% to 75%, but every loan is reviewed individually before any figure is promised.\"}},{\"@type\":\"Question\",\"name\":\"Is the review really free? Do I have to sign up first?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, the review is free and there is no obligation. You see what the analysis says about your loan first, and only then decide whether to go ahead.\"}},{\"@type\":\"Question\",\"name\":\"Does FIS handle my money?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. You keep paying your bank directly, from your own account. FIS designs and tracks the repayment plan; it never collects your instalments.\"}},{\"@type\":\"Question\",\"name\":\"What do I need to get started?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Your latest loan statement and your letter of offer. For an existing loan, the dates and amounts of your last three instalments help too. You can also start with the online Mortgage Health Check using just the numbers from your statement.\"}}]}<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d899c1 e-con-full e-flex e-con e-child\" data-id=\"3d899c1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b41908 fis-btn fis-btn-ghost elementor-widget elementor-widget-button\" data-id=\"5b41908\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/dylangoh.com\/fisadvisor\/faq\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See all questions<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-eab345c fis-sec e-flex e-con-boxed e-con e-parent\" data-id=\"eab345c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-78f480f e-con-full fis-cta fis-on-dark e-flex e-con e-child\" data-id=\"78f480f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fbbb0e2 fis-h2 fis-on-dark elementor-widget elementor-widget-heading\" data-id=\"fbbb0e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Find out where your home loan <span class=\"fis-red\">really<\/span> stands<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0eeed18 fis-lead fis-on-dark fis-center fis-measure elementor-widget elementor-widget-text-editor\" data-id=\"0eeed18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Start with the free online Health Check, or send me a WhatsApp and I will look at your loan with you. No obligation, no pressure.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e454922 e-con-full fis-btns e-flex e-con e-child\" data-id=\"e454922\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb987f4 fis-btn elementor-widget elementor-widget-button\" data-id=\"fb987f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/dylangoh.com\/fisadvisor\/home-loan-progress-calculator\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Start My Free Health Check<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ba8885 fis-btn fis-btn-outline-light fis-btn-wa elementor-widget elementor-widget-button\" data-id=\"3ba8885\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/wa.me\/60127116303?text=Hi%20Dylan%2C%20I&#039;d%20like%20a%20free%20mortgage%20health%20check.\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">WhatsApp Dylan<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Smarter repayments, greater savings Pay less interest.Own your home sooner. I help Malaysian homeowners cut interest and years off their home loan with FIS Advisory&#8217;s repayment strategy. Same bank, same loan, no refinancing. Across FIS cases, homeowners typically pay 30% to 75% less interest. Start My Free Health Check WhatsApp Dylan No bank change Keep [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Pay Less Home Loan Interest, No Refinancing | Dylan Goh, FIS Advisory","_seopress_titles_desc":"Cut home loan interest and years off your tenure without refinancing or changing banks. Free Mortgage Health Check by Dylan Goh, authorised FIS Advisory agent in Malaysia.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","footnotes":""},"class_list":["post-7","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/dylangoh.com\/fisadvisor\/wp-json\/wp\/v2\/pages\/7","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dylangoh.com\/fisadvisor\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/dylangoh.com\/fisadvisor\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/dylangoh.com\/fisadvisor\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dylangoh.com\/fisadvisor\/wp-json\/wp\/v2\/comments?post=7"}],"version-history":[{"count":31,"href":"https:\/\/dylangoh.com\/fisadvisor\/wp-json\/wp\/v2\/pages\/7\/revisions"}],"predecessor-version":[{"id":389,"href":"https:\/\/dylangoh.com\/fisadvisor\/wp-json\/wp\/v2\/pages\/7\/revisions\/389"}],"wp:attachment":[{"href":"https:\/\/dylangoh.com\/fisadvisor\/wp-json\/wp\/v2\/media?parent=7"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}