Property-backed mortgage
Unlock cash from your property. Fast, flexible and without having to sell. Use the funds for expansion, acquisitions, working capital, or any business purpose. Lower interest rates, higher quantum, no TDSR.
Who is this for?
Business owners & directors
Get working capital without diluting equity, or waiting months for a bank.
Existing private lender borrowers
Refinance to a lower rate or longer tenure with a direct lender.
Growth-stage business owners
Capitalise on a time-sensitive opportunity where speed is critical.
Key advantages
Higher quantum, lower rates
Because the loan is secured against property, you access significantly more capital at lower interest rates.
No TDSR restrictions
Our mortgage loan structures are not bound by TDSR (Total Debt Servicing Ratio) limits.
Flexible usage
No restrictions on your fund usage. Expansion, inventory, payroll bridging, acquisitions, etc.
Up to 80% LTV financing
Borrow up to 80% of your property's market value, significantly higher than most bank caps.
Tell us about your property and a specialist will come back with indicative rates within the day.
No obligation. Strictly confidential.
Who qualifies
Private residential property owners (condo, landed)
Commercial and industrial property owners
Sole proprietors, partnerships, and Pte Ltd companies
Self-employed and complex income structures
Previously bank-rejected applicants
Typical use cases
Business expansion or new market entry
Working capital to bridge cash flow gaps
Equipment or inventory acquisition
Debt consolidation at lower rates
Time-sensitive commercial opportunities
Our process
Share your property address (for valuation) and how much you need.
We design a solution around your timeline, needs & objectives.
Get approval in hours, and funds disbursed within the week.
What you need
Eligibility criteria
Singapore Citizen, PR, or foreigner with Singapore property
Own residential, commercial, or industrial property
Minimum loan amount: S$100,000
No minimum employment or business history
TDSR-exempt — complex income profiles welcome
Documents required
NRIC or Passport (plus Employment Pass if foreigner)
Property title deed or S&P Agreement
Outstanding mortgage statement (if applicable)
Bank statements, last 3–6 months
ACRA business profile and financials (for business owners)
What property types do you accept?
Private residential property (condo, landed), strata commercial, shophouses, and select industrial property. We do not accept JTC-leased industrial property or HDB flats.
How much can I borrow?
From S$100K to S$50M depending on property valuation and loan structure. We typically lend up to 80% of the property's assessed value, less any outstanding mortgage.
Does TDSR apply?
TDSR does not apply to most of our mortgage loan structures. This is one of our key advantages. Business owners blocked by TDSR at a bank can often qualify with us.
How long is the tenure?
Tenure is flexible and depends on your requirements and the loan structure. We work with you to design a repayment schedule that fits your business cash flow.
What documents do I need?
Generally: NRIC/passport, ACRA business profile, bank statements, property documents, and latest property valuation (if available). Your advisor will give you a precise list.
Can I apply if I already have a mortgage?
Yes. We can work with properties that have an existing mortgage, as long as there is sufficient equity. The structure depends on your loan-to-value ratio and repayment plan.
What are your interest rates?
Rates vary by loan quantum, tenure, and collateral. We do not publish fixed rates — each case is assessed individually. Contact us for an indicative rate based on your specific situation.
Are there hidden fees?
No. All terms, fees, and charges are disclosed upfront in your offer letter before you commit. There are no hidden charges or last-minute conditions.
Can I repay early?
Early repayment terms vary by loan structure. Some products allow early repayment without penalty; others may have specific terms. Your advisor will clarify this before you sign.
Is there a credit check?
We do conduct checks, but we don't rely solely on credit scoring the way banks do. We assess the full picture: your property, your situation, your plan. A less-than-perfect credit history is not an automatic disqualifier.
Tell us your situation. We'll come back within one business day with an indicative assessment.