You need to include a cover letter with your MM2H application. This should explain why you want to join the Malaysia My Second Home programme, and how you will support yourself in Malaysia. Here’s what I wrote for mine – I’ve redacted some personally-identifying details, but it should give you the gist:

Ministry of Tourism and Culture Malaysia,
Level 1, No. 2, Tower 1, Jalan P5/6,
Presint 5, 62200 W.P. Putrajaya,

4th July 2018

Dear Sir or Madam,

Please accept this as my cover letter for the enclosed MM2H application. I would like to join the MM2H programme as a single individual.

Personal background

I have worked in [my industry/profession] since [year], after completing my [highest level of education, e.g. BA, MA, PhD etc] at [name of university]. I have [brief summary of key positions held, e.g. been a director/chief executive/senior manager of x companies / spent my career as a teacher / doctor / author etc]. My full CV is enclosed.

I visit Malaysia frequently for holidays, and now have many friends here. In due course, I would very much like to retire here and make Kuala Lumpur my home.

Financial capabilities

I intend to support my stay in Malaysia through a mixture of income sources:

1. I own my own company, from which I draw income as a mix of salary and dividends – equivalent to approximately [amount in MYR] per month. I attach bank statements – please see explanation below. 

The company also contributes [amount in MYR] equivalent to my pension each year, from which I will begin drawing income in [x] years' from now.

2. I have a house in England that I intend to rent out from early next year, which I expect will provide a net income of around [amount in MYR] per month. 

3. I have savings of approximately [amount in MYR] equivalent in an investment account (mostly invested in funds, which can quickly be liquidated if necessary).

I enclose the most recent Investment Report covering the above savings and pension, plus the last three months’ bank statements to show my income. These may need some explanation, as my affairs are slightly complicated; therefore please find enclosed statements from:

[List of statements enclosed, with brief explanatory notes.]

I hope this is all in order, and I look forward to hearing from you in due course. Thank you for considering my application.

Kind regards,


That may even have been too much detail, but it was happily accepted. If you don’t own your own company or have complicated financial affairs, you can probably get away with a much shorter letter! My impression is that they just want you to confirm that you’re financially solvent, and see that you’re ‘the right sort’ of person (solvent, educated, literate, sane… 😉 ).

(Return to Collate your supporting documents.)