Access your international home equity for cash

Global Asset-Backed Bridging Loans

Tight credit conditions globally have created a vacuum in bank lending and when borrowers need to access cash quickly, there are limited ways to accomplish this.

We can help! 

Access your home equity in the U.S., London, Australia and Singapore through a short-term loan called an Asset-backed bridging loan.

Bridging loan details:

• Approval: 48 hours
• Funding time: under 30 days (under 7 days possible if no debt)
• Loan amount: Up to 70% of your home's value
• Property type: Primary homes, second homes, investment properties, hospitality, commercial, to name a few
• Loan tenure: Typically 1-2 years (not meant to replace a bank loan)
• Age restrictions: none 
• Qualify on: property value only (no need to show income)
• Payment type: Interest-only with option to roll up interest

In Singapore, these loans are not bound by TDSR since they are private loans. We have funded over $300M over the past 18 months, many of which are Good Class Bungalows, Shophouses, Landed, Condos and other high-value properties.

Typical Uses of Funds Include:

• Buying more property 
• Golden Visas 
• Crypto 
• Tuition 
• Healthcare costs 
• Investment opportunities 
• Working capital company-level 
• Insurance premium 
• Pay down high-cost debt 
• And the list goes on

Our team of ex-bankers work with sophistication, discretion and care.

How Bridging Loans Work

Bridging loans are short-term loans, usually 1-2 years, used to bridge a funding gap where banks cannot meet borrower requirements such as speed of funding, loan-to-value (LTV), and certainty. These loans are asset-backed, relying on the collateral value of the property rather than the borrower's personal financials. They typically feature "interest-only" or "interest-servicing only" payments with a bullet repayment at the end of the term. 

In a recent press release in Singapore, Global Mortgage Group set a new benchmark in a record-breaking month by facilitating bridge loans for two high-end condominiums, three bungalows, and one Good Class Bungalow (GCB). In 2024, GMG has funded over $186 million in bridging loans in Singapore alone.

Examples of how we helped our clients

USA

An SE Asian office owned 3 homes in California free and clear, worth $17M. Since the homes were empty and used as second homes, bank financing was not an option, and the client needed funding within a month to be repatriated back home for working capital. We secured an interest-only $10M loan for 2 years, funded in 2 weeks!

England

A private bank referred a client who needed to purchase a Golden Visa in Europe. However, since their country had capital controls, they were not able to move the required amount of funds in the necessary time frame. We secured a bridging loan against their U.K. prime real estate to be used for the Golden Visa investment. The terms were 1 year, 70% LTV, and funded in 3 weeks! 

Singapore

Our client, a Singaporean entrepreneur, owns a $15 million landed property. To expand his retail business, he secured a $11.25 million bridge loan (75% LTV) over 12 months. This provided liquidity to complete his shophouse purchase without selling his bungalow, funded in 3 weeks!

Global Affiliate Program

If you have any friends or clients that require any global real estate financing, we pay a generous referral fee for any successful funding. Message me to learn more.