Alternative Mortgage Lending

Best Alternative Mortgage Lending Promotions (Purchase / Refinancing):

 

Lender A

Lender B

Lender C

1st yr >5.50%
>6.00% >9.00%
2nd yr >5.50% >6.00% >9.00%
3rd yr >5.50% >6.00% >9.00%
       
Property Type Residential (*Non-HDB) / Commercial / Industrial Residential (*Non-HDB) / Commercial / Industrial Residential (*Non-HDB) / Commercial / Industrial
Lock in period 2 years 1 year Nil
Repayments Interest-Only / Principal + Interest Interest-Only / Principal + Interest Principal + Interest
Max LTV 80% 80% 70%
Borrowers Companies Companies Individuals / Companies

 

Property Types (Completed Only):

Private Residential Properties
+ Commercial Properties
Industrial Properties

Applicable for:

Individuals
Investment Holding Companies 
Operating Business Companies

 

Purposes:

> Business Working Capital

Withdraw equity from your property to inject additional capital to fund your business growth and/or boast working capital liquidity.

 

Personal Financial Needs & Investments

Withdraw equity from your property to bridge personal financial needs and/or fund investment growth. 

 

Debt Consolidation

Withdraw equity from your property to consolidate unsecured debts like credit card rollovers, OD cashline, personal loan etc. and restructure it for lower interest rate with longer repayment tenure for more manageable repayments and ease cashflow.

 

Distressed Mortgage 

Allow borrowers to refinance, withdraw equity and restructure mortgage.

 

> Retiree Lending

Allow retirees to withdraw equity from their property asset to fund and support their retirement years.

   

3rd Party Mortgage

Allow 3rd party cross borrowing mortgage for equity cash withdrawal.

 

Application Process - Step by Step Guide:

Step 1

Contact us via phone/sms/web contact form.
Fact finding/Phone discussion.
Email rates/proposal for consideration.

Step 2

Appointment/Discussion.
Application submission.
Lender's credit underwriting & approval.

Step 3

Approval & issuance of lender's offer letter.
Acceptance of offer letter.
Completion/Settlement.

Contact us for a discussion today!

 

SME Small Business Loans & Working Capital Finance

Best Secured Term Loan Promotions (New / Refinancing):

 

Secured

Secured Secured
1st yr >2.50% >6.00% >6.00%
2nd yr >2.50% >6.00% >6.00%
3rd yr >2.50% >6.00% >6.00%
       
Eligibility Operating Companies Operating Companies Investment Holding Companies
Purpose Business Working Capital / Business Expansion etc. Business Working Capital / Business Expansion etc. Business Working Capital / Business Expansion etc.
Loan Tenure 5 - 15 years 5 - 15 years 5 - 15 years
Repayment Principal + Interest Interest Only P + I / I only
Max Loan Quantum 80% 70% 60%

*Based on Effective Interest Rate. Many other promotional offers, contact us for full list of details and offers.

 

Best Unsecured Term Loan Promotions (New / Refinancing):

 

Unsecured

Unsecured
Unsecured
1st yr >6.25% >8.00% >9.50%
2nd yr >6.25% >8.00% >9.50%
3rd yr >6.25% >8.00% >9.50%
       
Eligibility Operating Companies Operating Companies Operating Companies
Purpose Business Working Capital / Business Expansion etc. Business Working Capital / Business Expansion etc. Business Working Capital / Business Expansion etc.
Loan Tenure 1 - 5 years 1 - 5 years 1 - 5 years
Repayment Principal + Interest Principal + Interest Principal + Interest
Max Loan >100K >100K >350K

*Based on Effective Interest Rate. Many other promotional offers, contact us for full list of details and offers.

 

Types of Business Loans (Secured/Unsecured):

+ Working Capital Loans
+ Trade and Accounts Receivables Finance
+ Hire Purchase / Machinery and Equipment Finance
+ Business Property Loans
+ Peer-to-Business Crowd Funding

Features of a business loan include but are not limited to lock in period, prepayment penalties, processing fees, LIS coverage, quantum of financing, tenure, repayment terms, bank valuation and credit assessment guidelines. Other lending characteristics may vary between different banks and lenders.

 

Applicable for:

+ Sole Proprietorship (Singapore Companies Only)
+ Partnership Companies (Singapore Companies Only)
+ Limited Liability Partnership Companies (Singapore Companies Only)
+ Private Limited Companies (Singapore Companies Only)
+ Investment Holding Companies (Singapore Companies Only)

 

Our Brokerage Services:

> Business Mini Loan (New Startups)

For new companies and SMEs incorporated in Singapore for more than 3 months. Business funding of up to $50,000 at 8.50%/year EIR. No collateral needed.

 

> Business Micro Loan

For companies incorporated in Singapore of between one to two years and above. Funding of between $30,000 - $100,000 for local micro small medium enterprises with up 10 or less employees of at least 30% local Singapore shareholding. No collateral needed.

 

> Unsecured Business Term Loan (New / Refinancing)

For companies incorporated in Singapore with minimum of two years and above. Funding of up to $350,000, no collateral needed. Maximum loan tenure of up to 5 years. Save up to 2% lower in interest when you refinance your business term loan, minimum of 12 months repayment history, no financials needed.

 

> Secured Business Term Loan (New / Refinancing)

For companies and SMEs incorporated in Singapore, secured against a private residential/commercial/industrial property collateral or fixed deposits.

 

> Business Loan for Professionals

Lower interest rates than a normal business term loan. Applicable for professionals with practising license. Example: doctors, lawyers, professional engineers and architects etc. Newly incorporated companies eligible with professional licensing applicants. Applicable for funding of up to $500,000 for medical doctors and up to $300,000 for other professions. Maximum loan tenure of up to 5 years. No collateral needed.

 

> Crowd Funding

Access a new source of financing via peer-to-business lending and take control in negotiating your own interest rate based on the maximum amount that you are willing to pay to investors for the funds while investors assess your request, company profile & financial standing and submit bidding offers to lend to your company. Allocation is  prioritised to the lowest interest rate bidding offers. Tenure up to 12 months, applicable for Singapore Private Limited and LLP entities only.

 

> Unsecured Business Overdraft

No lock in period, pay as you use, good flexibility and cost effectiveness. Collateral free working capital solution of up to $200,000 OD limit.

 

> Accounts Receivables Finance / Factoring

Up to 90% financing per invoice, up to $2 million with tenor of up to 120 days.

 

> Hire Purchase / Machinery and Equipment Financing

Up to 90% financing for new vehicle/machinery/equipment with low interest rate from 1.40%.

 

> Business Property Loan (New / Refinancing)

Property financing for commercial and industrial properties for companies and SMEs, applicable for up to 90% loan to value ratio.

 

> Debt Consolidation and Restructuring

We work with alternative non-bank private financial lenders to provide bespoke customised secured lending solutions to help borrowers raise capital, consolidate and restructure their debt.

 

> Business Renovation Loan

Attractive interest rate from 4.38%, fast approval, no collateral needed with loan tenure of up to 5 years. Loan quantum is determined based on renovation contractor’s/supplier’s quotations/invoices.

 

Application Process - Step by Step Guide:

> Step 1

Contact us via phone/sms/web contact form.
Fact finding/Phone discussion.
Email rates/proposal for consideration.

> Step 2

Appointment/Discussion.
Application submission.
Lender's credit underwriting & approval.

> Step 3

Approval & issuance of lender's offer letter.
Acceptance of offer letter.
Completion/Settlement/Loan Disbursement.

Contact us for a discussion today!

International Overseas Property Loans

Best Overseas Property Loan Promotions (Purchase / Refinancing): 

 

United Kingdom

Australia

Malaysia

1st yr >3.25% >4.38% >3.28%
2nd yr >3.25% >4.38% >3.28%
3rd yr >3.25% >4.38% >3.28%
       
Max Loan Quantum 70% 70% 70%
Choice of Currency GBP or SGD AUD or SGD SGD
Property Type Residential / Commercial Residential Residential / Commercial
Equity Release Yes Yes Yes
Eligibility Singapore Citizens / SPR / Resident & Non-Resident Foreigners Singapore Citizens / SPR / Resident & Non-Resident Foreigners Singapore Citizens / SPR / Resident & Non-Resident Foreigners

*Based on current cost of funds (COF). Minimum loan amount applies. Contact us for full list of details and offers.

 

Types of Packages:

+ SIBOR Rate
+ Bank’s Variable Board Rate
+ Bank's Cost of Fund References
+ Fixed Rates (Subject To Location & Lender)
+ Interest-Only (Subject To Location & Lender)

Features of an overseas property loan include but are not limited to lock in period, prepayment penalties, quantum of financing, loan tenure, repayment terms, bank valuation and credit assessment guidelines. Legal and valuation fees are typically borne by borrowers. Location restrictions may apply. Other lending characteristics may vary between different banks and lenders.

 

Eligibility:

+ Singapore Citizens
+ Singapore Permanent Residents
+ Foreigners Living and Working in Singapore (*Restrictions May Apply)
+ International Non-Resident Lending (*Restrictions May Apply)

 

Countries:

+ United Kingdom (London / England / Wales / Scotland / Nothern Ireland / Countrywide)
+ Australia (Melbourne / Sydney / Perth / Brisbane / Adelaide / Countrywide)
+ Malaysia (Johor / Kuala Lumpur / Malacca / Penang / Selangor)
+ Japan (Tokyo)

  

Property Types (Completed/BUC):

+ Residential Properties  (UK / AUS / MY / USA / JP)
+ Commercial Properties  (UK / MY)

 

Applicable for:

+ Individuals (UK / AUS / MY / USA / JP)
+ Investment Holding Companies (UK Only)
+ Operating Business Companies (UK Only)

 

Our Brokerage Services:

> New Purchase (Completed / Under-Construction)

Compare and select best mortgages from over 13 banks and lenders for the finest and widest range of international overseas property loans.

 

> Remortgaging / Refinancing

Refinancing your overseas property loan after your lock in period may provide you with thousands of dollars in savings.

 

> Cash out Property Term Loan / Equity Term Loan

If your property has appreciated in value over the years, an additional secured cash out property term loan may provide additional liquidity and investment capital for you. Approvals are subjected to bank lending limits and assessments.

 

Land and House Construction Loan

Currently applicable only for Australia properties countrywide except Tasmania with up to 75% max loan-to-value ratio, applicable for Singapore residents and foreign applicants. 

 

 

Application Process - Step by Step Guide:

> Step 1

Contact us via phone/sms/web contact form.
Fact finding/Phone discussion.
Email rates/proposal for consideration.

> Step 2

Appointment/Discussion.
Application submission.
Lender's credit underwriting & approval.

> Step 3

Approval & issuance of lender's offer letter.
Acceptance of offer letter.
Completion/Settlement.

Contact us for a discussion today!

enquiry(at)mortgagesupermart.com.sg#sthash.miGbpUhx.dpuf

Commercial & Industrial Property Loans

Best Commercial Property Loan Promotions (Purchase / Refinancing): 

Commercial

Operating Companies

Investment-Holding Companies

Individuals

1st yr >2.18% >2.28% >2.18%
2nd yr >2.28% >2.28% >2.28%
3rd yr - - -
       
Property Type Completed / Under-Construction (BUC) Completed / Under-Construction (BUC) Completed / Under-Construction (BUC)
Interest Rate References Board Rates / Sibor-Pegged/ Fixed Rates FD-Pegged/ Board Rates / Sibor-Pegged/ Fixed Rates FD-Pegged/ Board Rates / Sibor-Pegged/ Fixed Rates
Lock in period 0 - 3 years 0 - 3 years 0 - 3 years
Max Loan Quantum 90% 80% 80%
Additional Bank Subsidies Yes / No Yes / No Yes / No

*Financing terms and tie-in period varies, minimum loan amount may apply. Contact us for full list of details & offers.

 

Best Industrial Property Loan Promotions (Purchase / Refinancing): 

Industrial B1 / B2

Operating Companies

Investment-Holding Companies

Individuals

1st yr >2.18% >2.18% >2.18%
2nd yr >2.28% >2.28% >2.28%
3rd yr - - -
       
Property Type B1/B2 Completed / Under-Construction (BUC) B1/B2 Completed / Under-Construction (BUC) B1/B2 Completed / Under-Construction (BUC)
Interest Rate References Board Rates / Sibor-Pegged / Fixed Rates Board Rates / Sibor-Pegged / Fixed Rates Board Rates / Sibor-Pegged / Fixed Rates
Lock in period 0 - 3 years 0 - 3 years 0 - 3 years
Max Loan Quantum 90% 80% 75%
Additional Bank Subsidies Yes / No Yes / No Yes / No

*Financing terms and tie-in period varies, minimum loan amount may apply. Contact us for full list of details & offers.

 

Types of Packages:

+ Fixed Deposit Pegged
+ Variable Board Rate
+ Sibor Pegged
+ Fixed Rates
+ Interest-only
+ Free Conversion
+ Legal and Valuation subsidies (New Purchase / Refinancing)

 

Features of a commercial mortgage loan include but are not limited to lock in period, prepayment penalties, legal subsidy, valuation subsidy, fire insurance subsidy, quantum of financing, loan tenure, bank valuation and credit assessment guidelines. Other lending characteristics may vary between different banks and lenders.

 

Property Types (Completed/BUC):

+ Office Units
+ Shop Houses
+ Coffee Shops
+ Retail Spaces
Medical Suites
+ Business Park
+ Mixed Developments
B1 Light Industrial (Warehouses / Workshops / Factories / Offices etc.)
B2 General Industrial (Warehouses / Workshops / Factories etc.)

 

Applicable for:

+ Individual Names (Max 80% Loan-To-Value)
+ Investment Holding Companies (Max 80% Loan-To-Value)
+ Operating companies (Max 90% Loan-To-Value)

 

Our Brokerage Services:

> New Purchase (Completed / Under-Construction)

Compare and select best mortgages from over 23 banks and finance houses for the finest and widest range of commercial industrial property loans. 

 

> Remortgaging / Refinancing

Refinancing your commercial property loan after your lock in period may provide you with thousands of dollars in savings. Legal and valuation subsidy plans available.

 

> Development Financing

We work with financial lenders to provide project construction financing for a new commercial plot / building etc.

 

> Cash out Property Term Loan / Equity Term Loan

If your commercial/industrial property has appreciated in value over the years, an additional secured cash out property term loan may provide additional working capital for you and your business, subject to lending limits and credit profiling.

 

> Part Purchase Fractional Mortgages

Due to a change in situation and needs, borrowers may need to decouple their commercial property loans. Example. Liquidating of company assets.  Borrower A will purchase over borrower B part share of the commercial property. Other scenarios or situations may apply for part purchase mortgages.

 

> Debt Consolidation and Restructuring

We work with alternative non-bank private financial lenders to provide bespoke customised secured lending solutions to help borrowers raise capital, consolidate and restructure their debt.

 

> Indicative Property Valuation Check

If you have would like to conduct an indicative valuation check, kindly text us details of the property like the address, build in area, age of property, property type, types of tenure, remaining tenure, number of storey and asking price.

 

> Application In-Principal Review

Assessing your eligibility and max borrowing limits can help you to plan your finances and budget more effectively in advance.

 

Application Process - Step by Step Guide:

> Step 1

Contact us via phone/sms/web contact form.
Fact finding/Phone discussion.
Email rates/proposal for consideration.

> Step 2

Appointment/Discussion.
Application submission.
Lender's credit underwriting & approval.

> Step 3

Approval & issuance of lender's offer letter.
Acceptance of offer letter.
Completion/Settlement.

Contact us for a discussion today!

Our Services - Why Us?

Our Services - Why Us? - Benefits of using a mortgage broker? - Mortgage Supermart

the premium full data analytics report offer consumers precise data and information relating to the subject property or project that you would like to purchase and help you make smarter informed decisions. - See more at: http://www.mortgagesupermart.com.sg/blog#sthash.05Q37Ul3.dpufRequest for your free complimentary copy today!

> We aggregate lending solutions

We comb the entire market for the best deals and solutions, offering you a one-stop multi-banks multi-products solutions hub.

the premium full data analytics report offer consumers precise data and information relating to the subject property or project that you would like to purchase and help you make smarter informed decisions. - See more at: http://www.mortgagesupermart.com.sg/blog#sthash.05Q37Ul3.dpufRequest for your free complimentary copy today!

> We are Independent

We are not owned nor employed by any lenders and offer independent impartial advice to our customers based on their needs, savings, requirements and priorities.

> We know who is giving the best deals

No banks can give out the best rates 365 days a year. Banks typically rotate and take turns to run their promotions. Day in day out, we are soaked in the market to know which banks are offering the star deals of the month.

the premium full data analytics report offer consumers precise data and information relating to the subject property or project that you would like to purchase and help you make smarter informed decisions. - See more at: http://www.mortgagesupermart.com.sg/blog#sthash.05Q37Ul3.dpufRequest for your free complimentary copy today!

> You get the same or better deal, guaranteed

The rates or packages that we offer our customers are better or same as a direct walk in customer to the bank, hence our customers are not in any way being disadvantaged.

the premium full data analytics report offer consumers precise data and information relating to the subject property or project that you would like to purchase and help you make smarter informed decisions. - See more at: http://www.mortgagesupermart.com.sg/blog#sthash.05Q37Ul3.dpufRequest for your free complimentary copy today!

> We provide comparative analysis

We walk you through the strength and weakness of the various packages.

> We provide quantitative analysis

We compute your cost-benefit and break-even quantification.

> We offer you the widest range of selections for consideration

With over 30 banks and lenders in our panel, we are quite sure no other single bank or lender will be able to offer you more choices & options than us.

the premium full data analytics report offer consumers precise data and information relating to the subject property or project that you would like to purchase and help you make smarter informed decisions. - See more at: http://www.mortgagesupermart.com.sg/blog#sthash.05Q37Ul3.dpufRequest for your free complimentary copy today

> Save you time & money

We offer a one-stop loan brokerage platform to save you time and money visiting and calling 30 lenders to check and compare the best deals.

> Experience

With more than 10 years experience in the trade, our brokers have served clients from all walks of life ranging from CEO of MNCs and public listed companies to rag and bone collectors. 

> Professionalism

Established in 2010 by a team of ex-bankers, we practice the same professional private and confidentiality standards as a bank.

> Accessibility

We are conveniently located right in the heart of the central business district, within 5 minutes walk from Raffles Place MRT. Please feel free to give us a call to schedule an advance appointment at our office, else it is always our pleasure to meet our customers somewhere that are more convenient and assessable to them. 

> Service excellence

Last but not least, providing an excellent service is part of the equation in everything we do. Your satisfaction is always our biggest priority!

Why Us?

  • Independent Advisor
  • Zero Conflict of Interest
  • Dedicated Personal Consultant
  • Widest Selections from over 25 banks, financial institutions and lenders
  • Latest Promotions
  • Best Financing Deals & Rates
  • Save Time
  • Save Money
  • Service Excellence
  • Ease and Convenience
  • Loan Brokerage Solutions to bring you Savings and Smiles
- See more at: http://www.mortgagesupermart.com.sg/resources/articles/150-loans-and-mortgage-brokering-101#sthash.yRTl2MLs.dpuf

Residential HDB & Private Property Home Loans

Best Private Home Loan Promotions (Purchase / Refinancing):

Residential - Private

Sibor-Pegged

FD-Pegged / Board Rates

Fixed Rates

1st yr >2.13%
>2.00% >2.18%
2nd yr >2.13% >2.00% >2.18%
3rd yr >2.13% >2.00% >2.27%
       
Property Type Completed / Under-Construction (BUC) Completed / Under-Construction (BUC) Completed Only
Lock in period 0 - 3 years 0 - 3 years 2 - 3 years
Prepayment allowed Yes / No Yes / No No
Legal Subsidy Yes, for refinancing Yes, for refinancing Yes, for refinancing
Interest Offset Yes / No Yes No

*Based on prevailing Sibor rates, minimum loan amount may apply. Contact us for full list of home loan offers & details.

 

Best HDB Home Loan Promotions (Purchase / Refinancing): 

Residential - HDB

Sibor-Pegged

FD-Pegged / Board Rates

Fixed Rates

1st yr >2.13% >2.08% >2.28%
2nd yr >2.13% >2.08% >2.28%
3rd yr >2.13% >2.08% >2.33%
       
Property Type Completed / Under-Construction (BTO) Completed / Under-Construction (BTO) Completed Only
Lock in period 0 - 3 years
0 - 3 years 2 - 3 years
Prepayment allowed Yes / No Yes / No Yes / No
Legal Subsidy Yes, for refinancing Yes, for refinancing Yes, for refinancing
Interest Offset Yes No No

*Based on prevailing Sibor rates, minimum loan amount may apply. Contact us for full list of home loan offers & details.

 

Types of Home Loan Packages:

+ Fixed Rates (1-5 years)
+ Fixed Deposit Pegged
+ Sibor Pegged
+ SOR Pegged
+ Variable Board Rates
+ Sibor / SOR Pegged throughout
+ Hybrid Combination of Sibor and SOR Pegged
+ Hybrid Combination of Fixed and Variable Rates
+ Deposit Matching Interest Offset
+ Constant Principal Repayments
+ Free Conversion
+ Legal subsidy (For Refinancing Only)

Features of residential home loans include but are not limited to lock in period, prepayment penalties, legal subsidy, valuation subsidy, quantum of financing, loan tenure and bank valuation. Other lending characteristics may also vary between different banks and lenders.

 

Property Types (Completed/BUC/BTO):

+ HDB flats (3 Rm / 4 Rm / 5 Rm / 3Gen / Executive / DBSS)
+ Executive Condominiums
+ Condominiums
+ Apartments
+ Walk Up Apartments
+ HDB Shop Houses
+ Conservation Houses
+ Landed Properties (Town Houses / Cluster / Terrace / Semi-Detached / Bunglows)

 

Applicable for:

+ Individual Names (Max 75% Loan-To-Value)
+ Investment Holding Companies (Max 20% Loan-To-Value)
+ Operating companies (Max 20% Loan-To-Value)

 

Our Brokerage Services:

> New Purchase (Completed / Under-Construction)

Compare and select best mortgages from over 18 banks and finance houses for the finest and widest range of home loan options. 

 

> Refinancing / Remortgaging

Refinancing your residential home loan after your lock in period may provide you with thousands of dollars in savings. Legal and valuation subsidy plans available.

 

> Property Cash Out Loan / Equity Term Loan (*Not applicable for HDB flats)

If your residential property has appreciated in value over the years, an additional cash out property term loan will allow you to cash out the excess equity of your property.

 

> Fractional Part Purchase Mortgages

Due to a change in situation and needs, a couple or borrowers may need to decouple their housing loans. Example. A couple undergoing a divorce matter.  Borrower A will purchase over borrower B part share of the house. Other scenarios or situations may apply for part purchase mortgages.

 

> TDSR Exemptions

Having your home loan application rejected with your existing lender when you tried to reprice your mortgage with them due to TDSR (Total Debt Servicing Ratio)? As different banks have different TDSR exemption policies in excess of MAS guidelines, we can help you find the right banks to refinance your mortgage and enjoy lower interest repayments.

 

> Debt Consolidation and Restructuring (Not applicable for HDB flats)

We work with alternative non-bank private financial lenders to provide bespoke customised secured lending solutions to help borrowers raise capital, consolidate and restructure their debt.

 

> Indicative Property Valuation Check

If you have would like to conduct an indicative valuation check, kindly text us details of the property like the address, build in area and asking price. Further information like land area, age, types of property, types of tenure, number of storey are required for indicative for landed properties.

 

> Application In-Principal Review

Assessing your eligibility and max borrowing limits can help you to plan your finances and budget more effectively in advance.

 

Application Process - Step by Step Guide:

> Step 1

Contact us via phone/sms/web contact form.
Fact finding/Phone discussion.
Email rates/proposal for consideration.

 

> Step 2

Appointment/Discussion.
Application submission.
Lender's credit underwriting & approval.

 

> Step 3

Approval & issuance of lender's offer letter.
Acceptance of offer letter.
Completion/Settlement.

Contact us for a discussion today!