Hi all, I need to get some sifu's opinions and suggestions. I hope to get my 1st residential property and mortgage - ideally within the next 6-12months, but my circumstances are tricky. Here's some context:

- Started Sdn Bhd 2 years ago, holds 90% share
- Sdn Bhd has been profitable for the last 18 months
- Average monthly revenue of RM20k, net profit of RM13k
- FY 2022 profit of RM110k, no dividend declared yet
- Current YTD net profit of RM100k, estimated RM150k for FY 2023
- Total RM200k in FD account of Sdn Bhd
- I have been running the company full time, with no salary drawn in 2 years. hence never file for income tax and have no pay slip
- Personal savings of RM75k available
- Currently I am 38 years old, with no financial commitment

I have considered the following options:-
a. Reduce shareholding to less than 10% and become an employee (but will be taxed at least 25% on income)
b. Declare dividends in 2023 and 2024, file income tax in 2024 and 2025 (17% tax rate for Sdn Bhd), but it will be too long wait for me to get my property
c. Declare director fees, but unsure if still need to show 2 years of borang B/BE - which I don't have.

Apart from these, are there any other possibilities to obtain a property with a mortgage and with the lowest tax on my behalf?

Thank you for responding.
Sadly I don't have a credit card or an outstanding car loan.
I guess my only workaround would be to reduce my shareholding to less than 10% then use the company to employ me as a full time employee until I get the bank loan