In most cases, no. Banks pay us a referral fee when your loan is successfully approved and disbursed. Our comparison and advisory services are typically free. If any fees apply for complex structuring cases, we will disclose them upfront before proceeding.
Private bankers represent their institution.
We represent you.
We compare across multiple banks and structure facilities strategically based on long-term portfolio goals and not product quotas.
All client information is handled with strict confidentiality. We submit applications strategically to suitable banks only.
For residential mortgages, In-Principle Approval (IPA) may take 1–3 working days. Full approval timelines vary depending on documentation and complexity. SME loan approvals typically range from 1–4 weeks.
Different banks offer different rates and approval criteria. We compare packages across banks, structure your application strategically, and negotiate on your behalf, saving you time and improving approval confidence.
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.
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.
Need financial solutions, have a question about our services? We’re here.
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.
Work With Us
For Consulting
Business Hours
