beaconDesign preview
Beacon Finance · Brand and interface

Three directions for Beacon, for your approval

This page compares three theme options. Each has a light and a dark mode. Use the controls at the top to switch between Option A, B and C, then review the logo, colour, type and the core product screens in each.

All figures on this page are sample figures.

02 / 07

Colour and type

Brand primitives stay fixed across options. Each option maps them to semantic roles for light and dark. Every text colour below is checked against the card surface and meets WCAG AA. Amber is never used for body text on light surfaces; a darker amber token covers that.

Brand primitives

  • Ink#0E1726Text, primary surfaces
  • Slate#3B4658Secondary text, structure
  • Paper#F6F7F9Calm backgrounds
  • Beacon amber#D9912ASignal: fills, marks, borders
  • Good#1F7A55Positive status
  • Warning#B23B3BConcern, destructive

Roles, Harbour light

  • --color-canvas#F6F7F9
  • --color-surface#FFFFFF
  • --color-surface-sunken#EFF1F4
  • --color-border#D6DBE2
  • --color-text#0E1726AA 18.0:1
  • --color-text-muted#3B4658AA 9.5:1
  • --color-text-subtle#566072AA 6.3:1
  • --color-accent#D9912A
  • --color-accent-text#8A570CAA 6.1:1
  • --color-action-primary#0E1726
  • --color-good#1F7A55AA 5.3:1
  • --color-watch#86560CAA 6.3:1
  • --color-concern#B23B3BAA 5.9:1
  • --color-focus#0E1726

Type scaleManrope / IBM Plex Sans / Manrope

  1. Display44/52 · Manrope

    Know your borrowing power

  2. Heading 132/40 · Manrope

    Should I refinance my home loan?

  3. Heading 224/32 · Manrope

    Three options, ranked for you

  4. Heading 319/26 · Manrope

    Refinance with Bank A

  5. Body large17/28 · IBM Plex Sans

    Beacon shows one best pick, one alternative and the option to do nothing.

  6. Body15/24 · IBM Plex Sans

    Every recommendation shows the ringgit outcome, the reason, the catches and the date of the data.

  7. Small13/20 · IBM Plex Sans

    Rates as at 15 Sep 2026

  8. Caption12/16 · IBM Plex Sans

    Beacon may receive a referral fee

  9. Overline11/16 · IBM Plex Sans

    Clarity Snapshot

  10. Figure XL40/44 · Manrope

    RM41,280.00

  11. Figure L26/32 · Manrope

    RM2,611.45

Multilingual

EN

Know your borrowing power

BM

Ketahui kuasa pinjaman anda

中文

了解您的借贷能力

Tabular figures

ItemAmount
Total savingRM41,280.00
Upfront costRM6,900.00
New instalmentRM2,611.45
Monthly differenceRM252.65
03 / 07

Outcome card

The heart of the product. One question, three answers: the best pick, one alternative, and doing nothing. Each answer shows the ringgit outcome, a reason, the catches and the date of the data, with any referral fee disclosed next to the action.

Home loan · RefinanceSample figures

Should I refinance my home loan?

Three options, ranked by what you keep. Doing nothing is a valid answer.

  1. Best pick

    Refinance with Bank A

    Lowest total cost for your loan, and your income clears Bank A’s lending limit with room to spare.

    Total saving over remaining tenureRM41,280.00
    Monthly instalment
    RM2,864.10RM2,611.45RM252.65 less a month
    Approval odds
    Likely (about 7 in 10)
    Upfront cost
    RM6,900.00Legal, valuation and stamp duty
    Break-even
    28 months
    Catches
    • Lock-in period of 3 years
    • Early settlement fee of 2% if you sell or refinance within the lock-in
    • You pay the upfront cost before any saving starts

    Rates as at 15 Sep 2026

  2. Alternative

    Ask your current bank to reprice

    No new paperwork or legal fees. The rate cut is usually smaller than switching.

    Total saving over remaining tenureRM18,450.00
    Approval odds
    Very likely
    Catches
    • A repricing fee may apply
    • Your lock-in period may restart

    Rates as at 15 Sep 2026

  3. Do nothing

    Keep your current loan

    Fine if you plan to sell within 2 years.

    Cost to youRM0.00
    Monthly instalment
    RM2,864.10
    Catches
    • You pay RM252.65 a month more than the best pick
    • Beacon keeps watching and will tell you if a better option appears

    Rates as at 15 Sep 2026

Beacon may receive a referral fee from Bank A. This does not change the ranking.

04 / 07

Calculator

Debt service ratio (DSR) is how banks judge whether you can take on more. The form asks for as little as possible; the result leads with one number, places it on a band, and explains it in plain words.

DSR calculator

Enter your monthly figures. We do not store them unless you save the result.

Take-home pay after EPF, SOCSO and tax

Optional. Some banks assess on gross income

All loan and financing repayments, including PTPTN and credit card minimums

Sample result shown

Your debt service ratio

Sample figures

42.5%

on net incomeWatch

33.1% on gross income

  • ComfortableUnder 40%
  • Watch40% to 60%
  • StretchedOver 60%

RM3,400.00 of your RM8,000.00 net monthly income already goes to repayments. Many banks cap DSR at 60% to 70% of net income, so you still have room, but a new loan of more than about RM1,400.00 a month could take you over.

DSR = monthly commitments ÷ net monthly income. Bank limits vary by income and product.

05 / 07

Clarity Snapshot

The FQ Score gives a single number out of 100, then shows the six drivers behind it so the score is never a black box. Each driver carries a plain status and the figure that set it.

Clarity SnapshotSample figures

FQ Score

68out of 100

Steady. Up 4 points since August. Protection is the one gap holding the score back.

Updated 15 Sep 2026

What drives your score

  • Emergency fund2.1 months of expenses. Aim for 6
    Watch
  • Debt load (DSR)42.5% of net income
    Watch
  • Savings rate18% of net income
    Good
  • Net-worth trendUp RM12,400.00 in 12 months
    Good
  • ProtectionNo income protection found
    Concern
  • Goals2 of 3 goals on track
    Good
06 / 07

Components

The working parts. Every control is at least 36 px tall with a visible focus ring, labels sit above fields, and money inputs carry a fixed RM prefix with figures aligned right.

Buttons

Badges and status

GoodWatchConcern
Best pickAlternativeSample figures

Status never relies on colour alone: each pill has its own shape and word.

Inputs

From your latest loan statement

Enter an amount above RM0.00

Selection

Consent

Data tableSample figures

Rates as at 15 Sep 2026. Total saving is over the remaining tenure.
OptionMonthlyUpfront costLock-inTotal saving
Bank ABest pickRM2,611.45RM6,900.003 yearsRM41,280.00
Bank BRM2,640.20RM5,850.003 yearsRM36,847.30
Bank CRM2,668.75RM4,200.002 yearsRM33,052.90
Current loanRM2,864.10RM0.00NoneRM0.00

Banners and toast

Empty state

No saved decisions yet

When you ask Beacon a money question, the outcome is saved here so you can revisit it.

07 / 07

Mobile

The same outcome card, unchanged, in a 375 px frame beside the desktop layout. The card adapts to its own width: figures move under the reason, catches follow, and both actions become full width.

Desktop layout
Home loan · RefinanceSample figures

Should I refinance my home loan?

Three options, ranked by what you keep. Doing nothing is a valid answer.

  1. Best pick

    Refinance with Bank A

    Lowest total cost for your loan, and your income clears Bank A’s lending limit with room to spare.

    Total saving over remaining tenureRM41,280.00
    Monthly instalment
    RM2,864.10RM2,611.45RM252.65 less a month
    Approval odds
    Likely (about 7 in 10)
    Upfront cost
    RM6,900.00Legal, valuation and stamp duty
    Break-even
    28 months
    Catches
    • Lock-in period of 3 years
    • Early settlement fee of 2% if you sell or refinance within the lock-in
    • You pay the upfront cost before any saving starts

    Rates as at 15 Sep 2026

  2. Alternative

    Ask your current bank to reprice

    No new paperwork or legal fees. The rate cut is usually smaller than switching.

    Total saving over remaining tenureRM18,450.00
    Approval odds
    Very likely
    Catches
    • A repricing fee may apply
    • Your lock-in period may restart

    Rates as at 15 Sep 2026

  3. Do nothing

    Keep your current loan

    Fine if you plan to sell within 2 years.

    Cost to youRM0.00
    Monthly instalment
    RM2,864.10
    Catches
    • You pay RM252.65 a month more than the best pick
    • Beacon keeps watching and will tell you if a better option appears

    Rates as at 15 Sep 2026

Beacon may receive a referral fee from Bank A. This does not change the ranking.

Mobile, 375 px
Home loan · RefinanceSample figures

Should I refinance my home loan?

Three options, ranked by what you keep. Doing nothing is a valid answer.

  1. Best pick

    Refinance with Bank A

    Lowest total cost for your loan, and your income clears Bank A’s lending limit with room to spare.

    Total saving over remaining tenureRM41,280.00
    Monthly instalment
    RM2,864.10RM2,611.45RM252.65 less a month
    Approval odds
    Likely (about 7 in 10)
    Upfront cost
    RM6,900.00Legal, valuation and stamp duty
    Break-even
    28 months
    Catches
    • Lock-in period of 3 years
    • Early settlement fee of 2% if you sell or refinance within the lock-in
    • You pay the upfront cost before any saving starts

    Rates as at 15 Sep 2026

  2. Alternative

    Ask your current bank to reprice

    No new paperwork or legal fees. The rate cut is usually smaller than switching.

    Total saving over remaining tenureRM18,450.00
    Approval odds
    Very likely
    Catches
    • A repricing fee may apply
    • Your lock-in period may restart

    Rates as at 15 Sep 2026

  3. Do nothing

    Keep your current loan

    Fine if you plan to sell within 2 years.

    Cost to youRM0.00
    Monthly instalment
    RM2,864.10
    Catches
    • You pay RM252.65 a month more than the best pick
    • Beacon keeps watching and will tell you if a better option appears

    Rates as at 15 Sep 2026

Beacon may receive a referral fee from Bank A. This does not change the ranking.