Loan Program Details

Q1 | What type of properties do you accept as collaterals?

We can lend on any type of property such as private residential condos, landed properties, land parcels, industrial, retail and office buildings with exception of HDB and JTC properties.

Q2 | What is your minimum / maximum loan amount?

We lend from $500k to $5 million.  In certain markets on select properties we will go as low as $200k. Please call with your specific scenario.

Q3 | What is your maximum LTV?

60% of the value of the property as determined by us and/or our panel of professional property valuers (see how we determine value).

Q4 | How do you calculate the LTV?

Based on the current market value (“CMV”) that we determine, we will cap our maximum exposure at60% of CMV in most instances; for example if we placed the value on a property of 1 million, our maximum loan limit will be capped at $600,000.

Q5 | What types of loan programs do you offer?

We offer fully amortizing loans (up to 15-year terms) as well as interest-servicing options. 

Q6 | What are the tenure options available?

Our secured loan term is typically 12 to 24 months, but longer terms of up to 15 years are also available depending on the specific situation and borrower.The loan structure will be determined based on the unique situations of each transaction.

Q7 | What are your rates?

There is no formal rate matrix since each deal is so unique. We price each deal aggressively based on the individual needs of the client.

Q8 | What if the borrower is currently in foreclosure?

We can handle transactions where the borrower is in foreclosure as long as they have enough equity in their property to pay off the first lender to enable us to receive a clean first mortgage.

Q9 | Do you do second mortgage?

Unfortunately we only do first mortgages.

Q10 | Can you lend to foreign nationals?

Yes, we have done many loans for foreign nationals.