In most cases, no. Banks pay us a referral fee when your loan is successfully approved and disbursed. Our comparison and advisory services are typically free. If any fees apply for complex structuring cases, we will disclose them upfront before proceeding.
Mortgage bankers represent their institution.
We represent you.
We compare across multiple banks and structure facilities strategically based on long-term portfolio goals and not product quotas.
All client information is handled with strict confidentiality. We submit applications strategically to suitable banks only.
For residential mortgages, In-Principle Approval (IPA) may take 1–3 working days. Full approval timelines vary depending on documentation and complexity.
Different banks offer different rates and approval criteria. We compare packages across banks, structure your application strategically, and negotiate on your behalf, saving you time and improving approval confidence.
An equity term loan allows private property owners to borrow against the value of their property, based on current market valuation and outstanding loan balance.
Yes. Since it is secured against property, interest rates are typically significantly lower than unsecured loans or credit cards.
Your property is used as collateral. Failure to repay may result in foreclosure. We ensure you fully understand obligations before proceeding.
Mortgage refinancing involves switching your existing home loan to a new package, typically with a different bank, to secure more competitive interest rates or improved loan terms. It applies to HDB flats, executive condominiums, private condominiums, and landed properties.
Reach out to us 4 months before your lock-in period ends to ensure a seamless transition with no coverage gaps. For existing clients, we actively monitor your timeline and will notify you when it is time to refinance.
The main costs are legal fees for the conveyancing process and, where applicable, a fresh property valuation fee. Many banks offer legal subsidies to offset these costs when you refinance with them, which we factor into the overall package comparison.
The refinanced loan amount is subject to the prevailing Loan-to-Value (LTV) limits and Total Debt Servicing Ratio (TDSR) requirements set by MAS. A fresh property valuation may be required to determine the updated LTV ratio before approval.
Bank applications typically take 1 to 3 weeks to get approved, while the legal completion of the transfer will take an additional 2 to 3 months.
Starting early, ideally 3 to 4 months before your lock-in period ends, ensures a smooth transition without any gap in coverage.
Mortgage rates change frequently depending on market conditions and your financial profile. We compare the latest packages across leading Singapore banks to secure the most competitive available rate for you.
Loan eligibility depends on your income, Total Debt Servicing Ratio (TDSR), age, and credit profile. Most borrowers can finance up to 75% of the property value (subject to bank approval and MAS regulations).
Fixed rates provide stability for a lock-in period, while floating rates may offer lower initial costs but fluctuate with market conditions. We assess your risk preference and recommend accordingly.
Yes. We strongly recommend securing an IPA before committing financially to reduce risk.
You can begin looking into refinancing as early as 4 months before your current lock-in period ends. For our existing clients, we will monitor your lock-in period and reach out to guide you through a timely, seamless refinancing transition.
If you are ready to grow your business and need financing support, Ares Capital is here to help. Our business term loan solutions are flexible, accessible, and designed with your company’s future in mind. Contact us via our online form, by phone, or visit our office at 140 Paya Lebar Road #09-13 AZ @ Paya Lebar Singapore 409015. We are available Monday to Friday, 10 am to 7 pm.
Let us help you fund your next chapter with confidence, clarity, and expert support.
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