A Comprehensive Guide to Bridge Loans for All Singapore Property Types
Need fast property financing in Singapore? A Singapore bridging loan (also known as a bridge loan) provides immediate capital to “bridge” the gap between your short-term funding need and your longer-term financial plan.
Whether you’re purchasing a new home before selling the old one, funding a property development, or seizing an investment opportunity, a bridging loan in Singapore delivers speed, certainty, and high loan-to-value (LTV) financing that traditional bank mortgages can’t match.
What Is a Singapore Bridging Loan?
A bridging loan is a short-term, asset-based financing solution that uses your property’s value as collateral. Unlike standard bank mortgages that depend on income verification and TDSR (Total Debt Servicing Ratio) limits, bridging loans offer fast approvals, no income documentation, and flexibility for all borrower profiles — including self-employed, retirees, and investors.
Key Advantages of Singapore Bridging Loans
| Core Advantage | Bridging Loan Focus | Traditional Bank Mortgage Focus |
| 1. Speed & Certainty | Approval in 24–48 hours, funding within 5–10 days | 4–8 week approval with long underwriting |
| 2. High Loan-to-Value (LTV) | Up to 70–80% of property value | Lower LTV based on age and income |
| 3. Flexible Approval Criteria | Focus on property value and exit strategy | Requires full income and TDSRverification |
This asset-based approach means no age limits, no payslips, no CPF statements, and no TDSR assessment. Your property’s value and your exit plan determine approval.
Singapore Bridging Loan Interest Rate: 7% p.a. Interest-Only Structure
Most Singapore bridging loans offer a competitive 7% per annum interest-only rate, typically with a 1–2 year term. This is an indicative rate today (Nov 1, 2025) and subject to change as interest rates change over time.
Benefits of the Interest-Only Structure
- Lower Monthly Payments: Only interest is paid monthly, preserving cash flow.
- No TDSR Burden: Your income is not assessed, and debt ratios are irrelevant.
- Ideal for Seniors: No age-based restrictions or shortened amortization.
- Balloon Payment at Maturity: Repay the principal at the end via your exit strategy.
Why 7% Is Competitive: While slightly higher than bank rates, bridging loans offer 10x faster approval, no TDSR, no age limits, and the ability to capture time-sensitive opportunities.
| Loan Amount | Monthly Interest-Only Payment (at 7% p.a.) |
| S$500,000 | S$2,917/month |
| S$1,000,000 | S$5,833/month |
| S$5,000,000 | S$29,167/month |
When to Use a Bridging Loan in Singapore
Bridging loans are ideal when speed and capital access are critical. Common applications include:
- Property Purchase Before Sale: Secure a new home before selling the current one.
- Investment Opportunities: Meet cash-buyer terms or capture discounted deals.
- Property Development & Construction: Fund land acquisition or project completion.
- Business Working Capital: Raise capital using property assets.
- Debt Consolidation: Refinance multiple high-interest loans.
- Equity Release: Unlock significant equity from existing properties fast.
Repayment Planning: Your Exit Strategy
Since bridging loans are interest-only, your Exit Strategy—how you’ll repay the full loan principal—is key to approval.
Common Exit Strategies:
- Property Sale (Most Common): Repay using proceeds from the property sale.
- Refinancing to Bank Loan: Transition to a long-term mortgage once conditions improve.
- Liquidity Event: Repay via business sale, investment maturity, inheritance, or en-bloc payout.
Singapore Bridging Loan Parameters and Requirements
| Parameter | Details |
| Interest Rate | 7% per annum, interest-only (as of Nov1, 2025 - subject to change) |
| Loan Amount | S$500,000 – S$50 million+ |
| Loan-to-Value (LTV) | Up to 70–80% (value-based) |
| Loan Term | 1–2 years (extensions available) |
| Fees | 1% Lender Fee + 1–2% GMG Success Fee |
| Approval Time | 24–48 hours |
| Required Documents | NRIC/Passport, Exit Strategy, Bank Statements (AML) |
| Not Required | TDSR, Payslips, CPF, Income Proof, Age Limits |
Eligible Properties
All Singapore property types qualify for bridging finance:
- Residential: Condominium, Landed, GCB, Shophouse
- Commercial & Industrial Units
- Development Land and Construction Projects
Approval is based on property value, not borrower profile.
Example: How Bridging Finance Accelerates Opportunity
Scenario:
You find a discounted investment condo but haven’t sold your existing home. A bridging loan provides up to 80% of the purchase price in days, allowing you to secure the deal. Once your current home sells, the proceeds repay the bridge loan.
Result: You avoid missing out on a rare property deal and unlock capital with no TDSR restrictions.
Frequently Asked Questions (FAQs)
Q: How fast can I get a bridging loan in Singapore?
A: Most approvals happen within 24–48 hours, with funds released in 5–10 days.
Q: Can retirees or self-employed individuals apply?
A: Yes. Bridging loans are asset-based, so income or age is not a factor.
Q: What is the typical term for a bridging loan?
A: Typically 1 to 2 years, extendable depending on your exit strategy.
Q: What’s the minimum loan amount?
A: Minimum S$500,000, up to S$50 million+ for larger developments.
Q: How do I repay a bridging loan?
A: Through your exit strategy—usually a property sale or bank refinancing.
Why Choose GMG Bridging Loans
- Fastest approval in Singapore (24–48 hours)
- High LTV (up to 80%) based on asset value
- No TDSR, no income proof, no age limits
- Competitive 7% interest-only rate
- Personalized support from property finance experts
Apply for a Singapore Bridging Loan Today
Ready to explore Singapore’s fastest, most flexible property financing option?
At GMG, we specialize in high-value, asset-based lending that puts speed and certainty first.
Get Started with a Free Consultation
- Discuss your property value, loan needs, and exit strategy.
Receive a preliminary LTV estimate and full cost breakdown within 24 hours.
No obligation — just expert insights into your property financing options.
Contact GMG today to unlock your property’s value with a fast, flexible bridging loan.
