Home Equity Loans Singapore

What Is a Home Equity Loan?

A home equity loan is a secured loan that uses the equity in your fully or partially paid property as collateral. As you repay your mortgage over time, you build equity — the portion of your property you truly own.

By tapping into this equity, you can secure a term loan at lower interest rates than most personal or business loans. Being a secured loan, financial institutions offer better terms, higher borrowing limits, and flexible repayment options.

How Much Can You Borrow?

The loan amount depends on:

• Current market value of your property

• Your income and financial profile

If your property has appreciated in value, you may qualify for a larger loan. Many homeowners use home equity loans to fund investments, business expansion, or significant personal expenses, taking advantage of competitive interest rates and convenient repayment plans.

Despite its advantages, many Singapore homeowners are unaware of how powerful a home equity loan can be — and that’s where HTBS comes in.

​​How HTBS Helps You

Our experienced mortgage specialists make the process straightforward and stress-free:

• Assess eligibility and determine how much you can borrow

• Compare loan offers from multiple banks and financial institutions

• Negotiate the best rates and terms on your behalf

• Handle all paperwork and coordination from start to finish

No need to visit multiple banks — we find the most competitive home equity loan package tailored to your financial goals.

Why Choose HTBS

✅ Expert Guidance – Clear explanation of loan options and eligibility.
✅ Best Market Rates – Access the most competitive home equity rates in Singapore.
✅ Convenient Process – Smooth and hassle-free from consultation to approval.
✅ Trusted Partner – We provide unbiased advice, acting as your financial advisor, not a bank agent.