Whether you are buying your first home, upgrading to a private property, or refinancing your existing loan, Ares Capital helps you compare and secure competitive mortgage rates across leading banks in Singapore. We guide you through the entire process, from understanding loan eligibility to securing approval, making your property financing journey straightforward and transparent.
Applying for a new home loan with Ares Capital is simple and structured:
We assess your loan requirement across multiple banks, reviewing interest rates, lock-in periods, and legal subsidies to shortlist suitable options for you.
Our team coordinates directly with bank representatives to obtain your In-Principle Approval (IPA) before you commit to the property purchase, giving you a clearer understanding of your loan eligibility and financing capacity.
Securing a home loan involves more than simply choosing the lowest interest rate. Different banks offer varying packages, approval criteria, and loan structures. Ares Capital helps you evaluate these options clearly and structure your mortgage in a way that supports your long-term financial plans.
Purchasing a property involves more than just the purchase price. Understanding the upfront costs helps ensure you plan your finances appropriately before committing to a home purchase.
Most bank loans finance up to 75% of the property value (subject to eligibility).
The remaining 25% forms the down payment, which typically includes:
Stamp duty is payable upon property purchase and is calculated based on the purchase price or market valuation (whichever is higher).
For example:
(Rates may change based on government policy.)
You will need a conveyancing lawyer to handle the legal transfer of the property and mortgage documentation.
Fees vary depending on the transaction type:
Banks usually require an official valuation before approving the loan.
Typical valuation fees range between S$150 to S$800.
If you’re planning a property purchase, these financing solutions could also support your goals:
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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