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Want To Get The Best Home Equity Loan?

Take 1 minute to fill in the form and find out how much you can borrow against your property, all for free.


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Join over 3524 Singaporeans in getting the best Home Equity Loan

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Answers 3 Short
Questions to Unlock Your Cash

The 6 Steps to Getting the Best Home Equity Loan

Fill in the form

Take less than 1 minute of your time to answer the 3 simple questions on the form to start unlocking your cash today.

Free consultation

Within 1 working day, you receive a 100% free consultation during which your trusted advisor determines cash out eligibility.

Choose  package

Pick your preferred option between a set of shortlisted packages, tailored to your specific requirements and wishes.

Apply to bank

We apply for your desired home equity loan to our established connection at loan provider.

Accept your loan

After approval of the bank, you only need to officially accept your home equity loan.​

Wait for cash out

In about 8-10 weeks, which is considered fast, your cash is unlocked and available for use.

Answers 3 Short Questions to Unlock Your Cash​

The 6 Steps to Getting the Best Home Equity Loan

Answers 3 Short Questions to Unlock Your Cash​

Experience the Benefits of Working with Us

Lowest Rate Guarantee

Profit from our strong working relationships with all lenders, allowing you to guaranteed get the best loan rate.

Best Approval Probability

Benefit from your trusted advisors' in-depth market knowledge and strong network, assuring you have the highest chance for approval.

Personal Guidance

Get the most from being guided by a true expert to easily go through the process, while making the right financial decisions.

We have helped to obtain a total of SGD 5 billion in loans, with over 6000 Clients served

Discover what some of them have to say

Answers 3 Short Questions to Unlock Your Cash​

3 Reasons to Choose For a Home Equity Loan

Lower Interest Rates

Interest expenses on home equity loans are usually lower compared to other loans, resulting in significant cost savings. We assure to offer you the best rate to maximize your value.

Flexibility In Usage

Home equity loans can be used for a wide range of options, like long-term investments, home renovations, financial emergencies, and more. We assist you in making the right choice with your unlocked cash.

Disbursement Options

With a home equity loan, you can choose to either request for the whole lump sum at once, or request to take the funds periodically in times of unplanned emergencies. We help you getting a buffer for unforeseen situations.

3 Key Reasons to Choose For a Home Equity Loan

Lower Interest Rates

Interest expenses on home equity loans are usually lower compared to other loans, resulting in significant cost savings. We assure to offer you the best rate to maximize your value.​

Flexibility In Usage

Home equity loans can be used for a wide range of options, like long-term investments, home renovations, financial emergencies, and more. We assist you in making the right choice with your unlocked cash.​

Disbursement  Options

With a home equity loan, you can choose to either request for the whole lump sum at once, or request to take the funds periodically in times of unplanned emergencies. We help you getting a buffer for unforeseen situations.​

Avoid Common Beginner's Mistakes

Answers 3 Short Questions to Unlock Your Cash​

Have Rates Compared Between All
Leading Banks of Singapore

Know your current home loan

It’s good that you’re considering refinancing your home loan. To make the process easier, you should have the information about your current home loan ready. This includes the outstanding loan balance, lock-in expiring dates, monthly instalments, loan tenure, interest rates, lock-in expiry date and any dawback penalties

Compare the best home loan for refinancing

You’ll then need to compare all the available refinancing mortgage loan interest rates that the banks are currently offering: Compare them against one another, and against your current home loan to make sure you’re getting the best deal. If that’s too tedious, simply answer a few questions and we will offer you the best refinancing home loan plan for you.

Speak to a mortgage advisor

It’s good that you’re considering refinancing your home loan. To make the process easier, you should have the information about your current home loan ready, This includes the outstanding loan balance, lock-in expiring dates, monthly instalments. loan tenure, interest rates, lock-in expiry date and any clawback penalties

Legal valuation subsidies

You should look out for banks which offer subsidies for your mortgage refinancing legal and valuation fees- especially when there’s a significant amount of money involved Otherwise, the S$2,000 to S$3,000 incurred in lawyer fees may negate any savings you enjoy from a lower interest rate. Our mortgage specialists will be able to find you refinancing home loan packages with legal subsidies.

Lawyers on legal panels

Which lawyer should I engage to help me with my mortgage refinancing? You can’t just approach any lawyer. Let’s say you are refinancing to a DBS home loan. your lawyer of choice has to be on the bank’s list of preferred mortgage lawyers (aka on the legal panel). If you don’t have a lawyer, fret not, our mortgage advisors work very closely with lawyers who are on the bank’s panel and offer very competitive rates. We will be able to help you facilitate the whole process.

Apply for your refinance loan

Finally, with the help of your lawyer (and legal subsidies), apply for your new home loan. Make sure you start your application at least 3 months before your current home loan lock-in period ends. You need to factor in enough time for the application process, and the 2-3- month notice you need to give your current bank. It’s even better if you can start earlier to address issues that may arise in the process of refinancing.

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Why Choose Us ?

Answers 3 Short Questions To
Get The Best Home Equity Loan

FAQ

A home equity loan is a type of loan in which the borrower uses the equity of their home as collateral. It’s a fixed amount of money, often borrowed against the difference between the home’s current market value and the homeowner’s mortgage balance due.

In Singapore, a home equity loan allows homeowners to borrow a lump sum against their property’s value. The loan amount typically cannot exceed 75% of the property’s appraised value minus any outstanding mortgage, in accordance with the Monetary Authority of Singapore’s regulations.

Benefits include access to a large sum of money, potentially lower interest rates compared to other types of loans, and the possibility of tax-deductible interest if the loan is used for home improvement.

Yes, you can use a home equity loan for various purposes, including debt consolidation, education expenses, investment opportunities, or any other significant expenses.

The primary risk is that if you’re unable to repay the loan, you could face foreclosure on your home. Additionally, if property values decline, you could end up owing more than your home is worth.

The amount you can borrow usually depends on your lender’s policies, your creditworthiness, and the amount of equity in your home. Lenders typically allow you to borrow up to 75-80% of your home’s appraised value, minus any existing mortgage balance.

A home equity loan gives you a lump sum at a fixed interest rate with regular repayment terms, while a HELOC works like a credit card with a limit based on your home equity, offering a revolving line of credit at a variable rate.

Yes, there can be several fees, including application fees, appraisal fees, and closing costs. Some lenders may also charge a prepayment penalty for paying off the loan early.

Repayment terms for a home equity loan can range from 5 to 30 years, but the most common terms are 10 to 15 years.

To qualify for a home equity loan, you need to have a certain amount of equity in your home, a reliable source of income, a good credit history, and a debt-to-income ratio that falls within the lender’s guidelines.

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