“Back when I was working in the bank, I met a lot of good people—honest folks—who were paying their mortgages just fine but suddenly needed help. Maybe for their kids’ education, business hiccups, or medical bills. But because their credit scores weren’t ‘perfect’ on paper, we had to reject them. No matter how hard they tried to explain their situation, our system didn’t allow flexibility.”

“Growing up, I used to follow my uncle around his credit company in Penang. I saw the same stories again and again—people who had nowhere else to go. Some of them ended up with loan sharks. Some just gave up and lost their homes. That image stuck with me.”

“That’s when I thought—what if there’s a better way? What if people could unlock the value of their homes, solve their cashflow issues, and still keep their roof over their heads? That’s how Homiq started. It’s not just a business. It’s a mission to give people a second chance—without taking away the one thing they’ve worked their whole lives for.”