i heard of this planning and noe a person who does it.....but from another firm

it basically help you to reduce your interest payments , i.e. help you to save. but, to be able to do so, there's always things to be sacrificed, for example, they could help you look for a bank that offer you a lower interest rate, in turn, you may have to increase your monthly payment - or reduce the loan payment period. They would be able to help you reduce your interest payable by more then rm 10k, and therefore, they would charge you like rm 1.5-4k , depending on the complexity of your case.....