Why use our advisory
Explore accessing equity without selling your property
Advisors review options across licensed lenders for you
Use funds for renovation, investment, business, or other needs
Expert guidance on TDSR and LTV considerations
No upfront fees for our advisory service
Transparent process with no hidden charges
Documents you'll need
Have these ready to speed up your application. No upload needed now.
1
NRIC (front & back)
2
Latest loan statement
3
Property valuation report(if available)
4
Latest 3 months CPF contribution
5
Latest income documents
6
Purpose of funds documentation(if available)
Frequently asked questions
A cash-out refinance involves taking a new, larger loan on your property and receiving the difference in cash. For example, if your property is valued at $1M and you owe $400K, you may be able to borrow up to 75% LTV ($750K) and potentially receive up to $350K in cash — subject to TDSR limits and lender assessment. Actual amounts depend on the lender's valuation and your financial profile.
The amount depends on your property value, outstanding loan, income, and Total Debt Servicing Ratio (TDSR). Generally, private property owners can borrow up to 75% of the property value minus the outstanding loan. However, every case is different — our advisor can help you understand what may be realistic for your situation.
Common uses include home renovations, investment, business capital, children's education, and debt consolidation. The lender may ask about the intended purpose during their assessment.
Cash-out options for HDB flats are generally restricted compared to private properties. HDB regulations limit the ability to extract equity from your flat, and most banks do not offer straightforward cash-out facilities for HDB owners. If you own an HDB flat and need funds, our advisors can discuss alternative routes such as refinancing for better rates, repricing your existing loan, or exploring personal or business financing options that may suit your needs.
The timeline varies by lender and your documentation readiness. Typically, the process takes 4–8 weeks from application to disbursement, including property valuation, credit assessment, and legal documentation. Our advisor helps you stay informed at every stage.