Whether you are buying your first home, upgrading to a private property, or refinancing your existing loan, Ares Capital helps you compare and secure competitive mortgage rates across leading banks in Singapore. We guide you through the entire process, from understanding loan eligibility to securing approval, making your property financing journey straightforward and transparent.
Applying for a new home loan with Ares Capital is simple and structured:
We assess your loan requirement across multiple banks, reviewing interest rates, lock-in periods, and legal subsidies to shortlist suitable options for you.
Our team coordinates directly with bank representatives to obtain your In-Principle Approval (IPA) before you commit to the property purchase, giving you a clearer understanding of your loan eligibility and financing capacity.
Securing a home loan involves more than simply choosing the lowest interest rate. Different banks offer varying packages, approval criteria, and loan structures. Ares Capital helps you evaluate these options clearly and structure your mortgage in a way that supports your long-term financial plans.
Purchasing a property involves more than just the purchase price. Understanding the upfront costs helps ensure you plan your finances appropriately before committing to a home purchase.
Most bank loans finance up to 75% of the property value (subject to eligibility).
The remaining 25% forms the down payment, which typically includes:
Stamp duty is payable upon property purchase and is calculated based on the purchase price or market valuation (whichever is higher).
For example:
(Rates may change based on government policy.)
You will need a conveyancing lawyer to handle the legal transfer of the property and mortgage documentation.
Typical legal fees range between S$1,500 to S$3,000, depending on the complexity of the transaction.
Banks usually require an official valuation before approving the loan.
Typical valuation fees range between S$150 to S$800.
Mortgage rates change frequently depending on market conditions and your financial profile. We compare the latest packages across leading Singapore banks to secure the most competitive available rate for you.
Loan eligibility depends on your income, Total Debt Servicing Ratio (TDSR), age, and credit profile. Most borrowers can finance up to 75% of the property value (subject to bank approval and MAS regulations).
Fixed rates provide stability for a lock-in period, while floating rates may offer lower initial costs but fluctuate with market conditions. We assess your risk preference and recommend accordingly.
Yes. We strongly recommend securing an IPA before committing financially to reduce risk.
Typically, homeowners refinance when their lock-in period ends or when better rates become available. We monitor your loan and notify you when refinancing opportunities arise.
Buying your new home should be exciting, not overwhelming. At Ares Capital, we help you secure the right home loan with fast approvals, transparent terms, and expert advice at every step. Reach out to us via our website, by phone, or visit our office at 140 Paya Lebar Road #09-13 AZ @ Paya Lebar Singapore 409015. We are open Monday to Friday, 9 am to 5 pm.
Let us help you finance your dream home—clearly, affordably, and confidently.
Established in 2019, Ares Capital is a strategic boutique advisory firm specialising in mortgage and SME financing in Singapore. Backed by experienced former bankers and an extensive lender network, we provide structured approvals, competitive rates, and trusted long-term financial guidance.
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