At Ares Capital, we provide tailored renovation loans to help Singaporeans and Permanent Residents finance their home and office improvement projects. Whether you’re upgrading your HDB flat, renovating a private condo, or giving your store a fresh look, our renovation loans give you access to competitive financing designed for renovation-specific needs.
Renovation loans often come with better interest rates and clearer usage terms than general personal loans. With the right funding in place, you can confidently begin your transformation project without straining your savings or cash flow.
Renovation loans from Ares Capital are designed to cover a wide range of home and commercial renovation works. Approved uses include:
Banks may request site inspections or payment in tranches to ensure funds are being used appropriately. Our team helps coordinate this process for you.
To apply for a renovation loan, you should meet the following criteria:
You’ll also need to submit:
If you are applying with a co-borrower or for a jointly owned property, additional documentation may be required. Our advisors will walk you through the steps clearly.
Applying for a renovation loan with Ares Capital is smooth and guided at every step:
Start by gathering official renovation quotations from your interior designer or renovation contractor. These must be itemized and signed.
Complete our online form and upload the required documents. Our team will verify your information and get you matched with the best-fit lenders.
We present multiple offers from licensed lenders for you to review. You’ll be able to compare rates, repayment terms, and processing fees.
Once you’ve selected an offer, we assist with paperwork. Funds are usually disbursed to the contractor in stages according to your renovation schedule.
With funding in place, your project can begin with peace of mind. We remain on hand to support you until completion.
Mr. Tan, a 40-year-old homeowner, wanted to remodel his kitchen and upgrade his flooring. He approached Ares Capital with a contractor quotation of S$20,000. Our team helped him secure a 3-year renovation loan at 3% per annum. His monthly repayment came to around S$580. The funds were disbursed directly to the contractor, and the work was completed in phases. Mr. Tan was impressed with the process and the value added to his home.
We believe in helping you renovate responsibly. At Ares Capital, we:
We also advise clients to avoid using renovation loans for non-renovation purposes. If you need financing for appliances or furnishings, we may recommend a personal loan or a hybrid approach.
Depending on your goals, these financing solutions may also be relevant:
Flexible funds for furnishing or top-up costs
Secure a larger loan using your property’s value
Ideal for covering short-term, urgent expenses
Reorganise existing loan payments into a single, structured plan
Our loan advisors will help you evaluate the best path based on your renovation budget and financial goals.
Ready to give your space a new lease of life? Ares Capital is here to help you access renovation financing with competitive rates, fast approvals, and full transparency. Contact us today through our online form, by phone, or visit our office at 140 Paya Lebar Road #09-13 AZ @ Paya Lebar Singapore 409015. We are available Monday to Friday, 9 am to 5 pm.
Transform your space with confidence—let Ares Capital help you build the home or office you’ve always wanted.
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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