We know how it feels to hold a house key miles away and wonder how to protect the dream you built. You want clear steps and a steady hand guiding your choices. We stand with you.
At Property Equity Loan, we help you finance and refinance selected overseas properties with simple, transparent terms. You can choose to borrow in SGD or in the local currency for smoother cash flow and easier purchase planning. Our approach balances growth with prudence so your wealth stays secure.
Typical terms include LTVs up to 70% depending on the city and currency, references to a 3‑month COF or SORA, and minimum amounts starting near SGD200,000. We explain every requirement and timeline, so you can make choices with confidence.
Ready to explore? WhatsApp us now for a quick assessment, indicative terms, and personalized guidance on rates and eligibility while you keep your banking in Singapore.
Key Takeaways
- We help you access financing for selected international properties while you manage banking from Singapore.
- Borrow in SGD or the local currency to match cash flow and minimize conversion risk.
- LTVs often reach up to 70% in key cities, subject to location and currency.
- Rates are typically tied to 3‑month COF or SORA; clear fee structures aid planning.
- Our team guides you through valuation, conveyancing, and disbursement step by step.
Unlock global property financing from Singapore with Property Equity Loan
Secure global financing from a Singapore base while keeping control of repayments and currency choice. We help you borrow in SGD or in the local currency of the market so you can match income and rental cash flows.
Why choose us
We simplify cross-border finance with a single relationship you manage from Singapore. Our team explains rates, documents, and timelines so decisions are clear.
Eligible markets and cities today
- Australia: Melbourne, Perth, Sydney — typical LTVs ~55–60% depending on currency banding.
- United Kingdom: London — conservative LTVs around 55–60%.
- Japan: Tokyo — options up to 70% in JPY subject to valuation.
- Malaysia: Kuala Lumpur, Johor Bahru — SGD-denominated finance up to 60% LTV.
- USA: New York — LTVs up to 70% for qualifying profiles in SGD or USD.
Leverage your equity
Tap existing equity to fund purchases or refinances. LTV bands vary by market and risk profile, and typical rate constructs reference a 3‑month COF plus a spread to keep pricing transparent.
WhatsApp us to compare rate illustrations and get personalized guidance on whether to hold the loan in SGD or local currency.
overseas property loan singapore: who can apply and key loan details
Start by confirming eligibility and minimum thresholds for each market.
We make eligibility clear so you can prepare with confidence. You may apply if you are at least 21 and are a Singaporean, PR, or a foreigner employed and residing in Singapore. We require documented income and a stable credit record.
Minimum amounts and primary rules
- Most markets set a minimum loan to ensure viability; thresholds vary by market and currency.
- For many countries, the asset must be held for investment; Malaysia allows broader use cases.
- You can borrow in SGD or in the local currency; we’ll discuss which mortgage fits your cash flow.
| Market | Minimum loan (SGD) | Local currency equivalent | Use |
|---|---|---|---|
| Australia / UK / USA | SGD 300,000 | AU$/£/US$ 200,000 | Investment |
| Japan | SGD 200,000 | JPY 25,000,000 | Investment |
| Malaysia | SGD 200,000 | MYR equivalent | Investment or other uses |
Next steps: We provide a short guide with the exact documents, valuation steps, and timelines so you can plan your purchase. WhatsApp us for eligibility checks and tailored deals.
Rates, currencies, and repayment options built for cross‑border property investment
Flexible pricing and currency choices let you tailor cost and cash flow to your goals.
Choose the right rate package — fixed, floating, or SORA‑pegged in SGD — to match your holding period and risk appetite.
Multi‑currency flexibility
Borrow in SGD, AUD, GBP, JPY, USD, or MYR so income and expenses can align with the loan currency.
Interest and repayment structures
We offer capital repayment schedules and, where eligible, interest‑only options for short‑term cash flow needs.
How rates are built
- Transparent benchmarks: 3‑month COF + spread (examples: AU in AUD +2.75% up to 50% LTV; USA in USD +3.50%).
- Japan: choose SGD pricing (3M SGD COF +2.75%) or JPY pricing (3M JPY COF +3.50%).
- Malaysia SGD loans: 3M SGD COF +2.50% years 1–5, then +3.00%.
Managing foreign currency risk and banking convenience
FX moves can change your monthly money needs. We explain foreign currency scenarios and help you set buffers.
To simplify repayment, we can link a bank account for automatic debits and consolidate the account setup into your broader banking plan.
Property Equity Loan — WhatsApp us for side‑by‑side rate and currency comparisons based on your goals.
How to apply from Singapore: step‑by‑step process and required documents
Start your application from Singapore with a clear, three‑step process that keeps you informed at every turn.
Step 1 — prepare documents. Begin with a short guide and checklist so you know exactly what to gather from home. Prepare your NRIC or passport, latest Notice of Assessment, and the last three months’ payslips. If you are self‑employed, we will ask for additional income proofs.
For a purchase property, include the Reservation/Booking Form or Contract for Sale. For a refinance, provide your latest loan statement, outstanding balance, insurance policy, and 12 months’ repayment history if the current account is not held with a Singapore bank.
Step 2 — submit application and review offer
Apply online or via WhatsApp. After credit assessment and valuation, you’ll receive a Letter of Offer.
We will walk you through key mortgage clauses—rate type, currency, LTV, tenure, and fees—so you can accept with confidence.
Step 3 — conveyancing, valuation, disbursement, and repayments
An overseas panel law firm handles conveyancing and the valuation inspection. Once approved, a disbursement letter is issued and funds are released.
Monthly repayments begin after disbursement. Legal costs are borne by you. We can set up your preferred bank account for automatic debits to avoid delays.
| Stage | What you provide | What we do |
|---|---|---|
| Document prep | NRIC/passport; NOA; payslips; contract or loan statement | Checklist and document review |
| Application | Completed form; ID and income docs | Credit check; valuation; issue Letter of Offer |
| Completion | Signed conveyancing papers; legal fees | Conveyancing, disbursement, start repayments |
Property Equity Loan — WhatsApp us to receive your personalized document checklist and an application timeline. Your dedicated specialist stays with you through each step of the process.
Conclusion
Move from planning to action with clear next steps for eligibility, document checks, and bank account setup. We guide you through minimum loan sizing, location choices, and sensible mortgage options so your home and investments remain protected.
We help you choose currency and interest paths to match rental income or salary and reduce foreign currency surprises. Our team will set up the account link for automatic repayment so your money management stays tidy.
If you are ready to purchase property or refinance, WhatsApp Property Equity Loan for fast eligibility checks, up‑to‑date deals, and a clear path to approval. Let’s align the right plan so your properties add to long‑term wealth without undue risk.
FAQ
Who can apply for a global property financing plan from Singapore?
You, as a Singapore citizen, permanent resident, or foreigner employed and residing here, can apply. Applicants must be at least 21 years old and provide standard income and identity documents. Lenders also check credit history and the property’s location and value.
Which cities and markets are currently supported?
We support key markets including Melbourne, Perth, Sydney, London, Tokyo, Kuala Lumpur, Johor Bahru, and New York. Availability and maximum loan‑to‑value (LTV) vary by jurisdiction and local rules.
What are the minimum borrowing amounts?
Minimums typically start from about SGD 200,000–300,000 or the local currency equivalent. Exact thresholds depend on the market and whether the purpose is purchase or refinance.
Can I borrow in SGD or the local currency of the property?
Yes. You can choose to borrow in SGD or the property’s currency (AUD, GBP, JPY, USD, MYR). Multi‑currency options help match income and repayment preferences while managing exchange exposure.
What interest rate options are available?
Lenders offer fixed, floating, and SORA‑pegged packages. The right choice depends on your tolerance for rate moves, investment horizon, and whether you expect to refinance or sell in the near term.
Are interest‑only repayments an option?
In some markets and for certain loan types, interest‑only periods are available. For long‑term wealth strategies, capital‑repayment plans remain common. A tailored review will show what each lender permits.
How is foreign currency risk managed?
You can manage FX risk by matching loan currency to your income, using hedging tools, or choosing COF‑linked pricing. We review exchange trends and recommend structures to reduce volatility on repayments.
How do I link my bank accounts for repayments and wealth management?
Most banks let you link an SGD account and a local‑currency account for seamless transfers and automated repayments. Linking also enables wealth management features like surplus sweeps and currency conversion at preferred rates.
What documents do I need to apply from Singapore?
Prepare your identity document, recent Notice of Assessment, payslips, bank statements, and the purchase or refinance paperwork. Additional documents may include proof of deposit, valuation reports, and local tax records.
What are the application steps?
The typical process: 1) prepare documents and get an indicative assessment; 2) submit a full application and review the Letter of Offer; 3) proceed with conveyancing, valuation and disbursement; 4) start repayments according to the agreed schedule.
How much equity can I leverage?
Loan‑to‑value ratios can go up to about 70% depending on the country, property type and borrower profile. Higher LTVs may attract stricter underwriting and different pricing.
Can I refinance an overseas purchase I already own?
Yes. Refinance solutions are available to access equity, change currency or repayment structure, or consolidate debts. Eligibility and limits depend on the existing mortgage, property value and local rules.
How are fees and closing costs handled across borders?
Expect valuation, legal/conveyancing, stamp duty, and lender fees which vary by jurisdiction. We provide a cost breakdown early so you understand all charges before proceeding.
How quickly can a deal close?
Timelines vary: refinancing can complete in a few weeks; purchase closings depend on the local conveyancing process and may take longer. Valuation and legal checks are common pacing items.
Can non–residents hold the mortgage under a Singapore banking relationship?
Some banks allow non‑resident borrowers to maintain a Singapore banking relationship for administration, repayments, and foreign exchange. Specific offerings depend on the bank’s cross‑border policies.
How do exchange rates affect monthly repayments?
If your loan is in a different currency from your income, FX moves change the SGD amount you need to transfer. We model scenarios and propose mitigation such as currency‑matching or hedging to protect cashflow.
What are the tax and regulatory considerations?
Tax, stamp duty and regulatory rules differ by country. You should consult a local tax advisor and conveyancer. We flag common issues such as withholding taxes, CGT and local lending limits during the assessment.
How do I get personalized rate guidance and current deals?
Contact our team via WhatsApp or the bank’s relationship channel to get real‑time quotes, comparative scenarios and a tailored Letter of Offer. We review your goals and recommend a suitable package.
