Caveat Property Loans Singapore | Tembusu Financial Services

Key advantages

Why a caveat loan from Tembusu?

Next-day access to funds

Caveat loans are designed for speed. We can assess and disburse within 24–72 hours, ideal when you need capital urgently.

Works with existing mortgage

Already have a mortgage on the property? A caveat loan works alongside it, as long as there's sufficient equity to back the loan.

Not subject to TDSR, up to 80% LTV

Caveat loans bypass the restrictions that block many borrowers at banks. No TDSR ceiling, and up to 80% LTV (loan-to-value) financing.

Who qualifies

Who can apply.

Owners of private residential property (condo, landed)

Owners of commercial or strata commercial property

Properties with or without an existing mortgage

Sole proprietors, partnerships, and Pte Ltd companies

Self-employed, freelancers, and mixed-income profiles

Typical use cases

What businesses use caveat loans for.

Urgent working capital for operations

Seizing time-sensitive business opportunities

Bridging cash flow during receivables delays

Funding renovations, marketing, or expansion

Consolidating higher-interest short-term debt

Get a Quote

Tell us about your property and a specialist will come back with indicative rates within the day.

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No obligation. Strictly confidential.

Our process

From enquiry to funds, fast.

Share your property details

Tell us about the property for the caveat, how much capital you need, and the purpose.

Rapid assessment

We do a quick valuation and assess eligibility. Most cases receive an indicative offer within the same business day.

Caveat lodged, funds disbursed

Once you accept, we lodge the caveat and disburse the funds. You retain full ownership throughout.

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What you need

Eligibility and documents.

Eligibility criteria

Singapore Citizen, PR, or foreigner with Singapore property

Own private residential, commercial, or industrial property

Sufficient unencumbered equity to support the loan

Minimum loan amount: S$100,000

Documents required

NRIC or Passport (plus Employment Pass if foreigner)

Property title deed

Outstanding mortgage statement (if applicable)

Bank statements, last 3 months

Frequently asked questions

Caveat loan FAQ.

Can't find your answer? Talk to our team.

What is a caveat loan?

A caveat loan is a type of secured financing where a legal notice (caveat) is lodged against your property title. This gives the lender a legal interest in the property as security, while you retain full ownership and use of the property.

Can I get a caveat loan if I have a mortgage?

Yes. Caveat loans can be placed on properties with existing mortgages, as long as there is sufficient equity. The caveat sits behind the registered mortgage as second-tier security.

How fast can I receive the funds?

Most caveat loans are processed within 24–72 hours from initial enquiry to disbursement. This makes them one of the fastest property-backed financing options available.

What is the maximum I can borrow?

Typically up to 80% of the property's assessed value, less any outstanding mortgage. The exact amount depends on the property type, location, and your overall financial position.

Are there restrictions on how I use the funds?

No. Funds from a caveat loan are unrestricted. You can use them for any business purpose: working capital, expansion, inventory, marketing, or any other legitimate need.

Need capital fast?

Tell us your situation. We assess caveat loan applications within hours, not days.

Fast cash from your property, without selling it.