Unlock your home’s value—without selling it.

We help private property owners access a home equity loan in Singapore — a fast and flexible way to unlock property value without selling your home.

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$500M+ private property loans completed

1000+ customers served

Over 30 years of relationships with private funds

Your property has been unlocked. S$1,000,000 has been successfully remitted.

home equity loan for private property owners Singapore
home equity loan Singapore explanation
Witnessing remarkable growth

Your property’s value has doubled—or even quadrupled—over the years.

Singapore private property refinancing consultant
Your journey began years ago

Years ago, you invested in your first home —a smart move that has paid off.

unlock property value Singapore service
The dilemma of growth and potential

Now you need cash to grow wealth—but selling your home doesn’t feel right...

How can you let go of a home full of family memories?

Is it worth selling my home to buy a new one?

Why sell a property that's still growing in value?

Your journey began years ago

Years ago, you invested in your first home —a smart move that has paid off.

Witnessing remarkable growth

Your property’s value has doubled—or even quadrupled—over the years.

The dilemma of growth and potential

Now you need cash to grow wealth—but selling your home doesn’t feel right...

A smarter way forward

Keeping your home and having alternatives.
What if you could access cash from your home
— without selling it?

Get up to 85% of your home’s value in cash while keeping your property. Here’s why private property owners choose a property loan over selling.

Keep your property and let it grow in value or earn rental income.

Spread payments over 30 years with no age restrictions, thanks to private funding.

property equity loan Singapore process

Take your time to find the right buyer with more flexibility.

Access affordable funds to grow your wealth or explore new opportunities.

// Comparison Table

Compare Your Options in Numbers

Let's assume you have a house with a $2,000,000 valuation that you are considering to sell. The table below compares the options.

Categories
Renovation of Old House
Agent Fees
2% of Property Sale Price
Cash Outlay
ASSUME
50% LTV for $2.5M house
Renovation of New House
Miscellaneous Relocation Cost
Annual Home Loan Instalment
We use 2025 rates, assuming a 10-year tenure due to age, or you might not qualify for a loan depending on your declared income.
Legal / Admin Fees
Appreciation on Home
ASSUME
5%
Inflation Cost
ASSUME
8%
Not Selling Your House
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Not Selling Your House
-
-
-
-
-
-
-
$100,000
($160,000)
Inflation is approximately 8% yearly. For example, kopi now costs $3, compared to $1.50 just 5 years ago—a 100% increase.
Selling Your House
($150,000)
($40,000)
($1,250,000)
Most people sell their homes to buy a new one between the ages of 45 and 50. At this stage, banks typically offer 50-60% Loan-to-Value (LTV), requiring an upfront payment of 40-50%.
($150,000)
($100,000)
Moving to a new home can involve costs such as utility setup, changes in commuting expenses, and adjustments to local services or amenities.
($144,780)
Home Loan: $1,250,000 of 3% loan over 10 years
($10,000)
$100,000
($160,000)
Inflation is approximately 8% yearly. For example, kopi now costs $3, compared to $1.50 just 5 years ago—a 100% increase.
Property Loan
-
-
-
-
-
($134,000)
Home Equity Loan: 80% LTV (of $2,000,000) at 7.5% home equity loan interest rate over 30 years
($10,000)
$100,000
($160,000)
Inflation is approximately 8% yearly. For example, kopi now costs $3, compared to $1.50 just 5 years ago—a 100% increase.
// Our testimonials

What Our Clients Say

"I was considering selling my home to free up cash for my investments and business after my bank rejected my home equity loan due to my age, despite my high income. Fortunately, your team helped me cash out on my private property value, allowing me to keep my home. I also appreciate your introduction to private funds with the lowest interest rates, as well as the prompt and transparent service throughout the process. Highly recommended!”

"With your help, we can now use a home equity loan from our family home to purchase another investment property for our business. The entire process was quick and transparent, exactly as you explained. We also appreciate your assistance in securing the lowest interest rate. We’ll definitely recommend you to friends who need this service!”

“As it was my first time taking a home equity loan, I really appreciate you taking the time to explain how everything works. I had no idea my property value had increased so much, and I was amazed that I could unlock its value in just a month. I also didn’t know that I could unlock my CPF from my home without having to sell the property. The process was incredibly fast and felt just like a normal bank refinancing. Thank you for the prompt and professional service!”

// Our Process

Here's How it Works

1
Free Expert
Consultation

Share your details, and our senior consultant will contact you within 24 hours to understand your needs.

2
Personalized,
Transparent Plan

We’ll create a customized home equity loan plan, fully tailored to you, with clear and transparent information.

3
Funds Delivered,
Hassle-Free

Relax while we handle everything. Receive funds in as little as 4 weeks.

Frequently Asked Questions

Below are some of the frequently asked questions about home equity loan and our service offering. Have more questions? Contact Us!

How do I unlock the value of my house in Singapore?

You can unlock the value of your house in Singapore through a home equity loan or equity-release solution, which lets you convert part of your property’s value into cash without selling it. This involves assessing your property’s market valuation and securing a property equity loan in Singapore through a bank or private funding partner. It’s a fast and flexible way to cash out on your property while keeping full ownership and future appreciation potential.

What is a home equity loan?

A home equity loan in Singapore is a financing option that allows private property owners to borrow against the value of their home without selling it. It lets you convert part of your property’s equity into cash based on your home’s current market valuation while keeping full ownership. Home equity loans are commonly used for investment, business funding, renovations, or major expenses, and can be obtained through banks or private funding providers offering more flexible criteria.

How much can I unlock from my property?

Depending on your property type and valuation, you can cash out up to 85% of your private property’s value. We will provide a free calculation of how much you can borrow. Simply contact us, and we’ll handle the rest.

Who is this suitable for?

Private property owners looking for home equity loan in Singapore for investments, business or personal matters. Or those looking for equity release options for Singapore private homes after banks reject applications.

What are the repayment terms and interest rates?

With over 20 years of experience working with private funds, we’ll secure the lowest interest rate and create a repayment plan tailored to your private property needs.

Are there any criteria or restrictions for qualifying?

Our team will work closely with you to guide you on all the necessary criterias.

How long will it take to receive the funds?

Once approved, you’ll receive your funds within one month.

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