AIA & ING give fixed rate = true
strict on approval = true
but one free tips, if they reject also means that place not tat good either.
property price too high, or bad in geography etc...
if they approve, rest assured good spot.
excluding ur capability of cuz if ur record not nice also can forget about it.
current fixed rate is very good idea at 4.x%
average blr in malaysia top hike was 12% lowest was 6% excluding 5.55% 2009 below benchmark rate. and average is 8.77%

try and go for ING or AIA if they reject then only seek bank packages.

unless u are good at auditing the whole mortgage loan thingie every day/month'year since it fluctuate yearly, and things moves n changes always. blablablablabla