Investment capital
Bank equity rates from ~1.65% are dramatically cheaper than personal loans (5–7%) or business term loans (4–6%). Owners often deploy unlocked equity into a second property, REITs, or business expansion.
Cash Out & Equity Loan Singapore
Unlock the value sitting in your Singapore property. Whether you need capital for an investment, a business move, or just an emergency liquidity buffer, an equity term loan or cash-out refinance lets you borrow against your home at competitive bank rates.
Max LTV (with mortgage)
75%
Combined with existing loan, capped by MAS LTV rules.
Max LTV (fully paid)
55%
Equity term loan on a fully redeemed property.
Indicative rates from
~1.65%
SORA-pegged equity packages, p.a. (subject to credit assessment).
Max tenure
30 yrs
Or 75 minus borrower's age — whichever is shorter.
Definition
What Is A Cash-Out / Equity Loan?
Two products, one purpose: unlock the equity in a property you already own. The right one for you depends on whether the property is still mortgaged.
| Feature | Cash-Out Refinance | Equity Term Loan |
|---|---|---|
| Property status | Still has an existing mortgage | Fully paid up |
| Max LTV | Up to 75% (combined with mortgage) | Up to 55% of valuation |
| Tenure | Up to 30 years | Up to 30 years (or 75 − age) |
| Indicative rate | SORA + spread (≈ 1.65–2.5% p.a.) | SORA + spread (≈ 1.65–2.5% p.a.) |
| Best for | Refinancing + extracting cash in one move | Quick liquidity without disturbing other loans |
| Eligible properties | Private residential & commercial only | Private residential & commercial only |
Note: HDB flats are not eligible for cash-out — MAS rules prohibit equity loans on HDB property. Both products are also subject to TDSR at 55% of stress-tested income.
Use Cases
Three Reasons Singapore Owners Unlock Equity
Business working capital
Self-employed and SME owners use equity loans to fund expansion, inventory, or a buyout. The rate cushion vs unsecured business credit is usually 3–5 percentage points.
Liquidity buffer
Major life events — medical, education, or a renovation — sometimes call for a fast pool of capital without touching CPF or fixed deposits. An equity term loan delivers it inside 4–6 weeks.
Process
How An Equity Loan Comes Together
Three milestones, fully managed end to end. Most cases close within 4–6 weeks.
01
Valuation & eligibility
Bank-appointed valuer assesses current market value. We confirm your eligible LTV, run the TDSR check, and shortlist 2–3 lender packages.
02
Letter of Offer
Submit documents, lock in the rate, and receive the Letter of Offer. We negotiate spread, lock-in flexibility, and any prepayment terms on your behalf.
03
Legal & drawdown
Solicitor handles mortgage documents and CPF/IRAS coordination if needed. Funds are drawn down to your bank account on the agreed date.
Quick Calculator
How Much Can You Unlock?
Indicative only — final eligibility depends on bank valuation, TDSR, and credit profile. Use this as a starting point.
Property Details
Result updates live. We never store your numbers.
Loan Status
Use bank-appointed valuation if known, otherwise a recent caveat as proxy.
Current bank loan principal still owed.
Amount currently in CPF charge — must be deducted from cash-out for residential property.
How LTV is computed:
Cash-out refinance allows up to 75% of property value (combined with new loan), minus existing mortgage and minus CPF used. Equity term loans on fully paid property cap at 55% LTV minus CPF used.
Capital, on better terms.
From valuation to drawdown, we manage every step — and you stay in the best lender's hands. Free service, no upfront cost.
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