
YOUR HOME IS
YOUR OPPORTUNITY
Mortgage Dedicated Line: 2531 0330
#For
Express Application
3 people are applying now.
Money Lenders License: 0857 / 2021

YOUR HOME
IS YOUR OPPORTUNITY
Mortgage Dedicated Line:
2531 0330
#For
4 people are applying now.
Money Lenders License: 0857 / 2021

About X8 Finance
X8 Finance and Zero Finance are subsidiaries of Termbray Industries International (Holdings) Limited (Stock Code: 0093), X8 Finance holds a Hong Kong money lender license (0857/2021), mainly engages in property loan business in Hong Kong, and provides customers with low-interest and reliable loan solutions.
About X8 Finance
X8 Finance and Zero Finance are subsidiaries of Termbray Industries International (Holdings) Limited (Stock Code: 0093), X8 Finance holds a Hong Kong money lender license (0857/2021), mainly engages in property loan business in Hong Kong, and provides customers with low-interest and reliable loan solutions.

Why borrow from X8 Finance
Apply in 3 easy steps. Once approved, cash will be ready on same day to meet with your financial needs.
Loan is process by a lawyer
Our loan procedure is processed by a lawyer providing you a reliable mortgage with a peace of mind.
Get the most out of your home
Approved for up to 85% of the property value.
Express approval
Your financial needs is our FIRST priority. We’ll handle your application right away.
Effortless terms of up to 300 months
Zero pain with flexible terms. We make repayment extra comfortable.
Zero limitation
Regardless of age and property type, we could still provide you with a loan.
Zero burden interest rates
Fixed interest rates as low as 9% APR for 1st mortgage. 12% APR for 2nd mortgage.
Why borrow from Zero Finance
Apply in 3 easy steps. Once approved, cash will be ready on same day to meet with your financial needs.
Loan is process by a lawyer
Our loan procedure is processed by a lawyer providing you a reliable mortgage with a peace of mind.
Express approval
Your financial needs is our FIRST priority. We’ll handle your application right away.
Zero limitation
Regardless of age, property type, and even PA cases, we could still provide you with a loan.
Get the most out of your home
Approved for up to 85% of the property value.
Effortless terms of up to 300 months
Zero pain with flexible terms. We make repayment extra comfortable.
Zero burden interest rates
Fixed interest rates as low as 9% APR for 1st mortgage. 12% APR for 2nd mortgage.
Why borrow from X8 Finance
Apply in 3 easy steps. Once approved, cash will be ready on same day to meet with your financial needs.
Loan is process by a lawyer
Our loan procedure is processed by a lawyer providing you a reliable mortgage with a peace of mind.
Express approval
Your financial needs is our FIRST priority. We’ll handle your application right away.
Zero limitation
Regardless of age, property type, and even PA cases, we could still provide you with a loan.
Get the most out of your home
Approved for up to 85% of the property value.
Effortless terms of up to 300 months
Zero pain with flexible terms. We make repayment extra comfortable.
Zero burden interest rates
Fixed interest rates as low as 9% APR for 1st mortgage. 12% APR for 2nd mortgage.
Customer’s Experience with X8 Finance

My family business needed urgent cash to pay off vendors and X8 Finance got us the best 2nd mortgage rate possible at 12%. The process was simple. They approved my loan within an hour and I got the money on the same day! All I needed to repay is $13,214 per month at my requested payment period of 240 months.

I have a credit card debt of over $600,000. Felt I had no way out because I was paying only the interest portion every month and all banks rejected me. They taught me to use my existing mortgage to get a loan with an interest rate lower than my credit card. I had no idea I could do this and X8 finance helped cleared my credit debt. Highly recommended!
*The final approval of the application is subject to the financial condition of customer.
Customer’s Experience with X8 Finance

My family business needed urgent cash to pay off vendors and X8 Finance got us the best 2nd mortgage rate possible at 12%. The process was simple. They approved my loan within an hour and I got the money on the same day! All I needed to repay is $13,214 per month at my requested payment period of 240 months.

I have a credit card debt of over $600,000. Felt I had no way out because I was paying only the interest portion every month and all banks rejected me. They taught me to use my existing mortgage to get a loan with an interest rate lower than my credit card. I had no idea I could do this and X8 finance helped cleared my credit debt. Highly recommended!
*The final approval of the application is subject to the financial condition of customer.
Frequently Asked Questions
Frequently Asked Questions
Relieve your financial stress now!
Express Application
*All required application information must be complete and accurate. Final approval is subject to the final submission of all relevant documents and the credit record of the applicant. X8 Finance reserves its absolute right on the final loan decision and any disputes.
Relieve your financial stress now!
Express Application
*All required application information must be complete and accurate. Final approval is subject to the final submission of all relevant documents and the credit record of the applicant. X8Finance reserves its absolute right on the final loan decision and any disputes.