International Home Equity "Bridging" Loans
We have seen an unusually high demand for short-term bridging loans over the past 3 months as global investors look to access cash quickly by tapping into their international home equity, mainly in:
- Singapore
- USA
- U.K. (London)
- Australia
*other countries on a case-by-case basis
Why are our clients tapping into their home equity?
For home improvements to increase property value. In the U.S., the BRRRR method uses this strategy.
Debt consolidation for high-interest debt.
Major expenses, such as college tuition, medical bills, weddings, or even vacations!
Investment opportunities with a short funding window. We can typically fund within 1–4 weeks!
Raising cash before the sale of property.
For working capital for their operating company.
When their personal financials cannot support a traditional bank loan (asset-rich but cash-poor).
When traditional bank financing is not available.
Why Choose GMG International Bridging Loans?
Our team of loan officers act on your behalf to find a repayment plan that meets your exact requirements.
We structure the loans based on the asset value of the property, not your personal financials.
This is particularly useful for self-employed or elderly borrowers who are asset-rich (or book value-rich) but cash-poor.
Typically, there is no age restriction, and since these are private loans, they are not subject to traditional bank lending regulations (no TDSR).
Successful Loans Funded Over the Past 3 Months
Singapore
A Good Class Bungalow owner needed SG$20M to purchase a hotel overseas from a distressed seller (worth SG$40M book value) but needed funding within 30 days. Our client had reached their borrowing limit with their private bank (TDSR) but had a small SG$10M loan outstanding on their GCB worth SG$50M.
GMG Solution => We arranged a 70% LTV loan on the SG$50M GCB to extract SG$25M in net cash (SG$10M paid down the existing mortgage), all completed within one month.
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An elderly couple, empty nesters, owned a landed home worth SG$25M with no debt and had put it up for sale. They wanted to purchase 2 condos for their kids in a new development worth SG$5M each but were too old to qualify for a mortgage in Singapore.
GMG Solution => We helped the couple access SG$10M in home equity to purchase 2 condos. We structured the loan with no interest payments for 12 months while their home was on the market for sale.
USA
A Southeast Asian family office owned several properties in Beverly Hills worth US$60M, debt-free, and needed cash to support working capital for purchasing raw materials while commodity prices were low.
GMG Solution => We arranged a US$30M (50% LTV) short-term bridging loan within 2 weeks.
U.K.
An Indian high-net-worth family living in Dubai owned luxury apartments in London worth £15M. Knowing traditional U.K. mortgages take time, they needed cash quickly to purchase "off-market" real estate investments in the U.K.
GMG Solution => We arranged £10M in under 2 weeks, enabling our client to purchase the below-market London properties, which have since been revalued 40% higher, making the profit exceed the loan amount.
To learn more about our comprehensive bridge loans, contact us at [email protected] today.
