Lenders

Are banks’ lending parameters too tight for your scenarios?

Our network of well-established and reputable private lending institutions will provide financing for businesses &/or properties that banks can’t / don’t touch, thus extending direct unlevered capital to moneymaking opportunities that would otherwise fall through the cracks when you need it most.

Who are these Non-Bank Private Lenders

The Lenders

Our panel of well-established and reputable Non-Bank Private Lenders consists of:

Their Business

Banks vs Non-Bank Lenders (Property Loans)

General Terms Banks Non-Banks
LTV* Up to 75% Up to 90%
Tenure* Up to 30 years From 6 months to 15 years
Debt Servicing Ratio** < 55% NA
Interest Rate*** Average of 4.5% p.a. 6.25% p.a. onwards
Repayment Schedule Monthly Principal & Interest (P+I) Choice of (P+I) &/or Interest-Only
Processing Fee NA Up to 2%
CPF Usage Yes No

* As per current MAS Notice 825 guidelines
**As per current MAS Notices 645, 1115, 831 and 128
***Source: Business Times (UOB, DBS, OCBC raise fixed home loan rates up to 4.5%, highest in almost two decades) – 15th Nov 22

Still unsure?

Get in touch with us and we will explain more to you in loan program section.

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