Singapore’s real estate market is renowned for its resilience, stability and high returns, attracting investors from around the globe. However, traditional bank financing options can often limit opportunities, particularly for foreign buyers, investors with unconventional income streams, people over a certain age and developers. This is where asset-based lending (ABL) emerges as a game-changer.
Global Mortgage Group Pte Ltd (GMG), the leading name in Singapore asset based bringing mortgage solutions, has positioned itself at the forefront of this dynamic sector, providing bespoke asset-backed bridging loans specifically tailored to meet the needs of investors in Singapore’s lucrative property market.
What is Asset-Based Bringe Lending?
Asset-based lending allows investors to secure loans using their real estate assets as collateral, rather than relying on income verification, serviceability or credit history. This approach opens doors for high-net-worth individuals (HNWIs), foreign investors, and self-employed individuals seeking to leverage their property portfolios for liquidity or new acquisitions.
The Rising Demand for Asset-Based Loans in Singapore
Singapore’s stable economic environment, attractive rental yields, and limited land availability drive consistent demand for real estate. However, with government cooling measures, tightening lending regulations and stringent lending criteria imposed by local banks, alternative lending options such as asset-based bridging loans has become an increasingly popular alternative. Investors are turning to industry leaders like Global Mortgage Group to unlock equity and maximize returns.
Key Statistics on Asset-Based Lending in Singapore Real Estate:
Loan-to-Value (LTV) Ratios: Typically, asset-based loans in Singapore offer LTV ratios of up to 75-80%, depending on property type and location.
Interest Rates and Structure: Rates generally range from 7.5%, depending on the borrower’s profile and the asset’s market value. These are interest only payments and can often be structured to where there is no debt servicing for the term of the loan.
Approval Speed: Asset-based loans can often be approved within 2 days and funding within a couple weeks, significantly faster than traditional bank loans.
Why Choose Global Mortgage Group (GMG)?
As the leading provider of international mortgages and asset-based lending solutions, Global Mortgage Group Pte Ltd has earned a reputation for its innovative, client-centric approach. GMG specializes in providing tailored mortgage solutions to global investors, offering competitive rates and unparalleled access to Singapore’s real estate financing landscape.
Key Advantages of Partnering with GMG:
Access to Global Lenders: GMG partners with over 150 international banks and private lenders, ensuring clients receive the best financing terms.
Customized Financing: Whether you're purchasing luxury residential properties, commercial assets, or leveraging equity, GMG crafts bespoke lending solutions based on asset strength.
Expert Market Insights: GMG’s deep understanding of Singapore’s real estate market ensures clients can capitalize on market trends and investment opportunities.
High Approval Rates: With a focus on asset strength rather than income documentation, GMG consistently secures fast approvals for clients facing challenges with traditional banks.
Asset-Based Lending Use Cases:
Foreign Investors: Non-residents can leverage Singapore properties to expand their portfolios without the complexities of local credit checks.
Real Estate Developers: Developers can secure bridge financing for ongoing projects, using completed properties as collateral.
Property Upgraders: Homeowners can unlock equity from existing properties to fund new acquisitions or renovations.
A Proven Track Record
Global Mortgage Group has successfully facilitated hundreds of millions in asset-backed loans for clients across Asia, the US, and Europe. Their expertise in structuring complex cross-border financing deals makes them the go-to partner for investors seeking to capitalize on Singapore’s prime real estate market.
Final Thoughts
Asset-based Singapore Bridging loans is reshaping the way investors approach Singapore’s real estate market, providing unparalleled flexibility and liquidity. With GMG leading the charge, Singapore real estate investors can unlock the full potential of their property assets, ensuring sustainable growth and financial success.
For more information on asset-based lending solutions, contact Global Mortgage Group (GMG) today and take the next step toward expanding your real estate portfolio.
