Singapore's property market doesn't pause. Off-market Good Class Bungalows are agreed and lost in the same week. Option fees are forfeited when sale proceeds don't arrive in time. Business acquisitions are structured around liquidity that conventional banks take months to release. Investment windows open and close while loan committees convene.
For Singapore's most sophisticated property owners, entrepreneurs, family office principals, regional executives, and globally mobile high-net-worth individuals, the question is not whether their property holds the capital they need. It is whether they can access it at the speed that opportunity demands.
Global Mortgage Group (GMG) was built to answer that question with a definitive yes.
Headquartered in Singapore and recognised as the city-state's leading specialist in asset-backed bridging loans, GMG has funded over S$450 million in Singapore bridging loans across Good Class Bungalows, landed housing, luxury condominiums, shophouses, commercial properties, and Sentosa Cove waterfront estates. As of 2024, the firm had funded over S$186 million in Singapore bridging transactions in that year alone, a figure that reflects not just the scale of the market, but the depth of trust that Singapore's most discerning property owners place in GMG's team of ex-banker professionals.
What Is a Singapore Bridging Loan — and Who Needs One?
A Singapore bridging loan is a short-term, asset-backed financing facility secured against the value of a Singapore property. It provides fast, flexible access to capital when timing is critical and conventional bank financing is either too slow, too constrained by regulatory requirements, or simply unavailable due to the borrower's income structure or profile.
Unlike a conventional Singapore bank mortgage, a bridging loan is:
- Underwritten on property value, not personal income — no salary slips, no CPF statements, no employment verification
- Exempt from TDSR (Total Debt Servicing Ratio) — the regulatory framework that limits how much conventional bank debt Singapore borrowers can carry relative to their income does not apply to private bridging loans
- Free of standard LTV restrictions — GMG assesses each deal on its individual merits, with LTVs extending up to 80% for qualified assets
- Free of age restrictions — no upper age limit, no retirement income requirements
- Interest-only — capital is preserved throughout the loan term, with a clean bullet repayment at exit
- Fast — approved within 24 hours in the right circumstances; funded in as little as 72 hours; typically 10 to 28 business days from application to drawdown
The property owners and investors who reach GMG represent the full spectrum of Singapore's HNW ecosystem:
- Singapore citizens and PRs who are above the TDSR threshold or hold income through complex business structures
- Foreign nationals and Employment Pass holders whose offshore income Singapore banks are unwilling or unable to assess
- Family office principals who need rapid liquidity for co-investments, business acquisitions, or cross-border opportunities
- Entrepreneurs who need to leverage property equity for business expansion without disrupting their portfolio
- Property investors who need to complete a purchase before existing sale proceeds arrive
- Retirees and asset-rich borrowers who have been declined by banks on age grounds or lack of current employment income
- Cross-border borrowers with Malaysia-Singapore or multi-jurisdiction structures that bank compliance teams decline
In every case, the obstacle is the same: a bank framework that was not designed for sophisticated, asset-rich borrowers operating at pace. GMG's framework was.
GMG's Singapore Bridging Loan Parameters
| Feature | Detail |
| Rates | From 4.88% per annum |
| LTV | Up to 80% |
| Loan amounts | From S$1.5 million |
| Loan terms | 6 to 24 months, interest-only |
| Approval | Within 24 hours |
| Funding timeline | As fast as 72 hours; typically 10–28 business days |
| TDSR | Not applicable |
| Age restrictions | None |
| Income documentation | Not required |
| Eligible borrowers | Singapore citizens, PRs, Employment Pass holders, foreign nationals, corporate entities |
| Eligible property types | GCBs, landed housing, condominiums, shophouses, commercial, hotel buildings, apartment complexes, Sentosa Cove waterfront |
These are not aspirational parameters. They are the terms on which GMG has funded hundreds of transactions across Singapore's premium property market, consistently and at pace.
The GMG Team: Ex-Bankers, Not Brokers
The difference between GMG and a conventional Singapore mortgage broker begins with the people. GMG's Singapore advisory team is composed of senior professionals who come from private banking, institutional lending, real estate structured finance, and international credit markets.
This is the team profile that matters when you are requesting a S$20 million equity release from a District 10 GCB with a complex trust structure and a 14-day exit window. The ability to assess your situation holistically, understanding the asset, the exit, the entity structure, and the optimal lender from GMG's network of 30+ funding partners, requires banking-grade expertise, not a broker's product sheet.
GMG's Singapore Head, Madel Tan, has led the team through some of Singapore's largest private bridging transactions on record, including the landmark S$38.5 million GCB deal in 2023. As she has noted: "Our team of experienced financial analysts structured a tailored solution that met the client's specific requirements, enabling them to capitalise on this unique investment opportunity to expand their business. From the initial discussion to funding, the process took only 12 days."
Co-founder Donald Klip brings over 25 years of financial services experience including founding one of Hong Kong's earliest hedge funds and managing macro equity strategies at institutional level. Co-founder Robert Chadwick contributes deep expertise in international real estate credit and cross-border lending structures.
Together, they have built a team whose combined private banking, institutional credit, and real estate finance experience spans Asia, Europe, and North America.
For HNW clients who have historically worked only with private banks, GMG's team is the professional peer they expect, not the intermediary they are accustomed to managing around.
The Private Bank Relationship: Complementing, Not Competing
One of the most important things to understand about GMG is what it is not. GMG is not a competitor to Singapore's private banks. It is the solution that private banks call when their client needs something the bank cannot deliver at the speed or structure required.
Singapore's most prominent private banks, including Swiss private banking institutions, regional wealth management platforms, and global bank private client divisions, regularly refer their UHNW clients to GMG when the requirement is:
- A bridging loan above the bank's internal LTV policy
- Funding within a timeframe that bank credit committees cannot accommodate
- A loan structure for a borrower whose income is offshore, variable, or complex
- Equity release for an asset that does not fit a standard bank collateral framework
- A bridge ahead of a refinance that the private bank itself will take on
GMG funds the bridge. The private bank maintains the relationship and takes the longer-term facility. The client gets the capital they need at the pace they need it. Everyone wins.
This collaborative positioning is not accidental, it is a design philosophy. As co-founder Donald Klip has stated: "We don't compete against banks. We enhance their offering." The result is a referral ecosystem that includes some of Singapore's most respected private banking professionals, who trust GMG with their most important clients because GMG has never let one down.
Proven Deals: The GMG Singapore Track Record
GMG does not rely on hypothetical capability. Every claim of speed, scale, and flexibility is backed by a documented, published record.
S$38.5 Million GCB, 12 Days — Business Acquisition (September 2023)
GMG's most publicised Singapore transaction was the S$38.5 million asset-backed bridging loan secured against a Good Class Bungalow in one of Singapore's most sought-after neighbourhoods. The loan was structured at 72% LTV with an 18-month interest-only tenor, enabling the owner to complete the acquisition of another company by leveraging prime real estate. The deal closed in 12 days from first discussion to funding. It marked GMG's crossing of S$350 million in Singapore bridging loans funded for that year alone.
S$28.2 Million GCB, 81.2% LTV — 28 Days
GMG closed a S$28.2 million bridging loan on a Good Class Bungalow at 81.2% LTV — one of the highest LTV ratios achieved in Singapore's GCB market. This transaction demonstrates GMG's ability to structure financing that no bank could replicate, for a client whose equity release requirement exceeded standard bank LTV ceilings.
S$18 Million Shophouse, 70% LTV — 3 Days
GMG funded an S$18 million bridging loan against a Singapore shophouse at 70% LTV in just 3 business days — one of the fastest large-ticket bridging transactions in the Singapore market. Shophouse lending requires specialist understanding of a uniquely Singapore asset class, and GMG's lender network and underwriting expertise allowed it to move at a pace that no other provider could match.
S$11.25 Million Landed Property, 75% LTV — 3 Weeks (Shophouse Acquisition)
A Singaporean entrepreneur owned a S$15 million landed property. He needed S$11.25 million at 75% LTV to fund the acquisition of a retail shophouse, without selling his home. GMG structured and funded the bridge in 3 weeks, enabling the shophouse acquisition to complete on schedule while the client's primary asset was retained.
District 10 GCB, Family Office Principal — 11 Business Days (February 2025)
A Singapore PR family office principal with a net worth exceeding S$45 million held significant equity in a prime District 10 GCB. He needed to fund a co-investment into a UK commercial bridging deal alongside a European private equity partner. Conventional bank refinancing would have required 8 to 12 weeks and triggered offshore income documentation requirements that were incompatible with his timeline.
GMG structured, approved, and funded the bridge in 11 business days. The UK co-investment closed on schedule. The GCB was retained. The client's relationship with his private bank was undisturbed.
Sentosa Cove Waterfront Villa — S$4.8 Million, 10 Business Days (February 2025)
A Chinese national holding a Singapore Employment Pass needed to complete the purchase of a Sentosa Cove waterfront villa while awaiting the proceeds from his sold Shanghai condominium portfolio. The Shanghai proceeds were delayed by PRC regulatory processing timelines — entirely outside his control.
GMG structured a 6-month bridge of S$4.8 million, funded in 10 business days, protecting the acquisition and preventing the forfeiture of the option fee. The client secured the property at the agreed price and repaid at term from offshore proceeds.
Orchard Road Freehold Condominium, Renovation-to-Sale (February 2025)
A Singapore citizen managing a six-property investment portfolio needed S$300,000+ in renovation capital to maximise the resale value of an unencumbered freehold Orchard Road condominium. Without disrupting his broader portfolio, he needed a bridge to fund the works ahead of a targeted Q3 2025 sale at 15 to 20% above pre-renovation value. GMG provided the facility at 5.8% per annum with a 10-business-day drawdown as a returning client.
S$2 Million D9 Condo, Development Financing — 10 Days
A real estate investor required S$2 million against a District 9 condominium to fund development financing on another Singapore property. Closed in 10 business days with funds deployed immediately into the development project.
The 429% Growth of Singapore's Bridging Loan Market — and GMG's Lead Position
Singapore's asset-backed bridging loan market has grown by 429% since 2019, with projections placing the market at S$825 million by 2025. This is not a coincidence. It reflects three structural trends that are reshaping how HNW property owners in Singapore access capital:
First, bank credit is tightening. In late 2024, DBS, UOB, and OCBC all reduced their loan growth targets in response to stricter MAS regulatory requirements including enhanced stress testing and LTV restrictions. The gap between what banks can lend and what sophisticated borrowers need has widened significantly.
Second, Singapore's HNW and UHNW population is increasingly cross-border. The city-state's profile as Asia's premier family office and wealth management hub has concentrated a population of internationally mobile, globally structured property owners whose income and wealth profiles conventional bank underwriting frameworks cannot accommodate.
Third, the property market moves fast. Off-market GCB transactions, time-sensitive Sentosa Cove purchases, and competitive District 9, 10, and 11 acquisitions routinely require financing decisions in days, not weeks. The only lender that can consistently deliver at that pace is a specialist with pre-positioned capital, experienced professionals, and a purpose-built underwriting process.
GMG is that lender. It has been since 2019. And its lead position in this market, recognised by BUILD Real Estate & Property Awards as Best Global Real Estate Financing Company 2019, Singapore Business Awards 2019 as Best Real Estate Financing Company, and Global 100 as Best Global Real Estate Financing Company 2021, reflects a track record that competitors simply have not matched.
Referral Partner Programme: Earn While You Add Value
GMG actively collaborates with referral partners, including private bankers, wealth advisors, independent financial advisors, real estate agents, lawyers, and other financial professionals, who have clients requiring Singapore bridging loan solutions.
The model is simple: you have the client relationship. GMG has the capital, the expertise, and the speed. You refer, GMG funds, your client is served, and you receive a generous referral fee on successful completion.
This is not a secondary consideration for GMG, it is a core part of how the firm operates within Singapore's professional ecosystem. The firm's reputation within the private banking community is built on years of professional execution that reflects positively on every partner who refers a client to GMG.
If you are a professional advisor working with asset-rich clients in Singapore, the GMG referral programme is worth a conversation.
Contact GMG: The First Step Takes 24 Hours
The engagement with GMG is designed to be as efficient as everything else the firm does.
WhatsApp or call: +65 9634 5623 (Madel Tan, Head of Singapore) WhatsApp or call: +65 9773 0273 (GMG Singapore) Web: gmg.asia | bridgingloanssingapore.sg
Describe your asset — property type, district, approximate value, equity position, and timeline. GMG provides indicative terms within 24 hours. For qualifying assets and clean exit strategies, funding can follow in as little as 72 hours.
The Singapore property market doesn't pause. Neither does GMG.
