Private property owners in Singapore can unlock the value of their homes through an equity term loan. With interest rates from around 1.80% (subject to bank approval), this facility allows you to access substantial liquidity at a relatively low cost compared to unsecured borrowing.
Instead of selling your property, an equity term loan enables you to borrow against your property’s current market value, giving you the flexibility to fund major financial needs while continuing to retain ownership of your home.
We coordinate with banks to obtain an indicative valuation and assess the amount of equity available for borrowing.
We shortlist the most suitable options across banks, helping you secure a competitive rate and structure aligned with your financial plans.
Unlocking equity from your property requires careful planning to ensure the loan structure remains sustainable. Ares Capital helps you evaluate available options clearly before committing to any financing facility.
Understanding how equity financing works will help you determine whether this facility is suitable for your needs.
Banks generally allow borrowing up to 75% of your property’s market value, inclusive of your existing mortgage (subject to eligibility and MAS regulations).
Example:
If your property is valued at S$1.5 million and your outstanding loan is S$500,000, you may potentially access up to S$625,000 in additional financing.
Before approving an equity term loan, banks usually require an updated property valuation to determine the current market value and available equity.
This valuation helps lenders assess how much additional financing can be extended against the property.
Because the loan is secured against your property, equity term loans generally offer lower interest rates compared to unsecured credit facilities such as personal loans or credit cards.
This makes it a cost-efficient option when large funding amounts are required.
Since the loan is secured against your property, it is important to ensure the repayment structure remains manageable over the long term.
Careful planning helps maintain financial stability while allowing you to benefit from the additional liquidity.
An equity term loan allows private property owners to borrow against the value of their property, based on current market valuation and outstanding loan balance.
Yes. Since it is secured against property, interest rates are typically significantly lower than unsecured loans or credit cards.
Your property is used as collateral. Failure to repay may result in foreclosure. We ensure you fully understand obligations before proceeding.
If you are looking to unlock the value in your private property, Ares Capital is ready to help. Our equity term loan service provides transparent advice, personalised support, and access to competitive rates from leading banks. Contact us through our online form, 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 your home support your financial goals with clarity, confidence, and trusted guidance.
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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