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The Loan Connection
Call +65 8138 5611Check my equity

Unlock the wealthalready built intoyour home.

Draw on the capital your property has already built — at mortgage rates, without selling or moving.

Google5.0 · 157 reviews
Banks compared
16+Banks compared
Brokerage fees
$0Brokerage fees
Homeowners assisted
4,000+Homeowners assisted

Check your available equity

Step 1/2

Your review is completely free, with no obligation and no credit checks. Your information is kept strictly confidential and used only to prepare your mortgage assessment.

We compare 16+ banks — you deal with one advisor

  • DBS
  • OCBC
  • CIMB
  • HSBC
  • Citibank
  • Bank of China
  • Maybank
  • Hong Leong Finance
  • RHB
Why homeowners unlock

Everyone wantscheaper financing.

When mortgage rates are lower than many other forms of financing, it often makes financial sense to leverage the equity in your property instead. Whether you’re renovating, investing, or consolidating higher-interest debt, an equity loan can help your money work harder.

  • Renovate your home

    Fund the extension, the rebuild, the second storey — at mortgage rates rather than renovation-loan rates.

  • Grow your business

    Deploy capital into your own venture without surrendering equity or chasing a working-capital facility.

  • Invest beyond property

    Release capital for opportunities elsewhere while your home continues to appreciate in your name.

  • Fund education

    Spread the cost of education over a longer period, reducing the financial strain of large upfront expenses.

  • Consolidate higher-interest debt

    Replace revolving credit at 20%+ with secured borrowing measured in low single digits.

One constraint worth knowing early: funds from an equity term loan cannot be used to buy another residential property in Singapore. If that is your objective, say so at the outset — the structure is different, and we will plan for it.

Equity calculator

Three figures.One answer.

Move the values to match your position.

Property type
$1,800,000
$600,000
$180,000

Include accrued interest. This must be refunded to CPF on a cash-out, so it is not available equity.

Indicative available equity

$570,000

31.7% of your property’s valuation can be unlocked

Borrowing base · 75% of valuation
$1,350,000
Less outstanding mortgage
− $600,000
Less CPF with accrued interest
− $180,000
Indicative repayment · 35yr at 1.40%
$1,717/mo
Confirm this with an advisor

Indicative only. Final quantum depends on the bank's valuation, your income assessment and prevailing MAS regulations.

How it works

From questionto capital.

  1. 01

    Consultation

    We provide a complimentary consultation without obligation, where we will analyze and make a suitable recommendation based off the circumstances surrounding your situation.

  2. 02

    We compare 16+ banks

    You will always get the most competitive offer available in the market.

  3. 03

    Application & Approval

    Upon completion of application, typical turnaround is around 5 working days for loan approval.

  4. 04

    Funds released

    Upon acceptance of the letter of offer, you can expect the funds to reach you within 1 month after loan disbursement.

    Equity, unlocked

Why The Loan Connection

We are amortgagebrokerage.

Unlike a bank, we’re not limited to a single lender’s products. As an independent mortgage brokerage, we compare rates and packages across 16+ banks to recommend the solution that’s best for you. If refinancing or changing your loan isn’t in your best interest, we’ll tell you that too.

Client reviews

What our clients say.

Dexter Sim, Your Mortgage Advisor

Dexter Sim

Your Mortgage Advisor

“Dexter helped us with our refinancing and we couldn't be happier. He was detailed in his explanations which really shows his experience. Replies were prompt and he went the extra mile to give an assessment of the market for us to make an informed decision. Really glad we connected with him and we'd recommend him in a heartbeat!”

Jonathan Soon
Google5.0 · 157 reviews
Questions

Answeredplainly.

If something here does not address your position, an advisor will — without a pitch attached.

  • It is a term loan secured against the property you already own. Banks will lend up to 75% of your property's current value; once your outstanding mortgage and any CPF monies used are accounted for, the remainder is equity you can draw as cash. You are not selling, moving, or taking on unsecured debt — you are borrowing against an asset already in your name, at mortgage rates.

Start here

Let's discoverhow much equityyour property could unlock.

A single conversation, no obligation, and a clear number at the end of it. If the answer is that you should do nothing, we will tell you that too.

Assurance
No brokerage fees
Assurance
16+ bank panel
Assurance
No obligation