UNLOCKED IN AMERICA: Hawaii — The Complete Equity Release Guide for International High-Net-Worth Owners

Post author By Donald Klip
Post date April 24, 2026

Hawaii Maui Oahu Kauai international HNW equity release Japanese Australian

How global high-net-worth investors from Japan, Canada, Australia, China, Korea, the United Kingdom, Hong Kong, Singapore, Germany, France, and across the world who own property on Oahu, Maui, the Big Island, and Kauai have built extraordinary equity in America's most geographically constrained and most internationally beloved real estate market, and how international equity release finance finally makes that wealth accessible without selling

Hawaii occupies a position in the global imagination of internationally mobile high-net-worth investors that no other American state can claim. It is simultaneously the most remote and the most accessible, remote in the sense of its mid-Pacific isolation and its extraordinary natural environment, accessible in the sense of its American legal framework, its dollar-denominated values, and its position as the natural meeting point of Asian and American culture at the highest level of lifestyle and hospitality.

The relationship between international high-net-worth capital and Hawaii real estate is one of the longest-established and most deeply rooted of any international investor community in the United States. Japanese investment in Hawaiian real estate and hospitality began in earnest in the 1970s and reached its peak in the late 1980s, a period when the extraordinary strength of the yen against the dollar made Hawaiian oceanfront and resort real estate available to Japanese corporations and individual high-net-worth buyers at prices that, in retrospect, look almost incomprehensibly cheap. Canadian high-net-worth buyers have maintained a consistent and significant Hawaii presence for more than four decades, drawn by the Pacific proximity, the lifestyle credentials, and the absence of the climate extremes that define Canadian winters. Australian high-net-worth buyers, for whom Hawaii is the most accessible American lifestyle destination across the Pacific, have been consistent buyers in the resort and residential markets of Maui, Oahu, and Kauai since the 1980s.

The equity that these international high-net-worth communities have built in Hawaii real estate, in properties purchased at 1980s, 1990s, and early 2000s prices that now seem historically low, is, in many cases, the single most appreciated asset their family holds anywhere in the world. And for most of them, it has never been released.

This is the Unlocked in America: Hawaii guide, part of the Unlocked in America series by Global Mortgage Group and America Mortgages, the only US mortgage lender focused exclusively on overseas borrowers.

Why Hawaii Real Estate Is the Ultimate Supply-Constrained International High-Net-Worth Asset

Hawaii's supply constraint is as absolute and as permanent as any residential real estate market in the world. The Hawaiian Islands cannot expand. The ocean boundaries are fixed. The coastline is finite. And Hawaii's land use regulations, among the most restrictive in the United States, have historically limited new residential and resort development in ways that have maintained the scarcity premium of existing oceanfront, resort-adjacent, and premium residential property.

The combination of Hawaii's geographic supply constraint and its consistent international high-net-worth demand, from Japan, Canada, Australia, China, Korea, and increasingly from Singapore, Hong Kong, and Europe, has produced appreciation that is structurally supported in a way that few other US residential markets can match. When you own oceanfront or resort-adjacent property on Maui or Oahu, you own something that genuinely cannot be replicated at a lower price. The land is finite. The view is irreplaceable. And the international high-net-worth buyer community that will eventually seek to acquire your property when you choose to sell is as global and as financially capable as any buyer community in the United States.

This supply constraint is the foundation of the equity release case for Hawaii property. Selling to access capital means permanently exiting a market where re-entry at a lower price is genuinely impossible. Equity release means accessing the capital you need while preserving an irreplaceable asset whose future appreciation is as structurally supported as any real estate on earth.

Hawaii Property Appreciation: What Four Decades of International High-Net-Worth Investment Has Created

The appreciation story across Hawaii's premium residential and resort markets is exceptional and in some cases extraordinary, driven by decades of consistent international demand against a backdrop of absolute supply constraint.

Oahu: Kahala, Diamond Head, and the Prestige Residential Market

Kahala, the quiet, tree-lined oceanfront neighbourhood on Oahu's south shore, immediately east of Diamond Head and adjacent to the Kahala Hotel, is the most prestigious and most consistently appreciated residential neighbourhood in Hawaii. Japanese high-net-worth families and Japanese corporations established significant Kahala property positions in the 1970s and 1980s at prices that now seem almost impossible to believe. Kahala oceanfront properties purchased for USD 500,000 to 1.5 million in the 1980s are now worth USD 8 to 25 million for the most significant oceanfront holdings. Even the off-ocean Kahala residential streets, which attracted Japanese, Korean, Chinese, and Australian high-net-worth buyers in the 1990s and early 2000s at USD 600,000 to 1.2 million, are now worth USD 2.5 to 5 million.

Diamond Head, the iconic volcanic crater that frames Oahu's most recognisable skyline, has given its name to one of the most sought-after residential addresses in Hawaii. The Diamond Head neighbourhood, the streets running along the crater's ocean-facing slopes and the oceanfront lots along Diamond Head Road, has attracted Japanese, Australian, and Chinese high-net-worth buyers who value the combination of the iconic setting and the proximity to both Waikiki and the broader Honolulu lifestyle infrastructure. Diamond Head oceanfront properties are among the most expensive in Hawaii, with values that have appreciated dramatically from 1980s and 1990s purchase prices.

Hawaii Kai, the marina and waterfront community on Oahu's southeast shore, has attracted significant Japanese, Korean, and Canadian high-net-worth investment in its boating-lifestyle residential market. Hawaii Kai waterfront properties purchased in the 1990s for USD 400,000 to 800,000 are now worth USD 1.5 to 3.5 million.

Kailua and Lanikai, the beach communities on Oahu's windward shore, accessible through the Pali Highway tunnel from Honolulu, have attracted a distinct international high-net-worth buyer community drawn by the extraordinary quality of Kailua Beach, consistently ranked among the finest beaches in the United States, and the charming residential character of the Kailua town. Australian and British high-net-worth buyers value Kailua for its lifestyle authenticity compared to the more resort-oriented south shore communities. Canadian high-net-worth buyers are consistently present. Lanikai, the exclusive residential enclave immediately adjacent to Kailua Beach with direct beach access from private properties, has attracted Japanese and Australian ultra-high-net-worth buyers whose Lanikai holdings represent some of the most significantly appreciated residential positions in all of Hawaii.

Maui: Wailea, Kapalua, and the Premier Resort Residential Market

Maui is the island that most consistently captures the imagination of international high-net-worth buyers seeking the highest expression of the Hawaii lifestyle combined with world-class resort infrastructure. The combination of Maui's extraordinary natural environment, the Haleakala crater, the Road to Hana, the whale watching corridor between Maui and Lanai, the world-class beaches of the south and west shores, with a resort and residential infrastructure that includes some of the finest hotels and branded residences in the United States has made Maui the preferred Hawaiian island for the most discerning international high-net-worth buyers.

Wailea, the master-planned resort community on Maui's south shore, is the primary concentration of international high-net-worth residential and branded residence investment on the island. The Wailea resort community encompasses a series of world-class hotels, the Four Seasons Wailea, the Grand Wailea, the Andaz Maui, the Fairmont Kea Lani, alongside a residential market of oceanfront and golf course-adjacent condominiums and single-family homes that has attracted consistent international high-net-worth investment since the community's development in the 1970s and 1980s.

Japanese high-net-worth families and corporate investors are the most historically established and most consistently present international buyer community in Wailea, with ownership going back to the community's earliest development phases. Properties purchased by Japanese high-net-worth buyers in Wailea in the 1980s for USD 200,000 to 600,000 are now worth USD 1.5 to 5 million for comparable oceanfront and ocean-view condominiums. Canadian high-net-worth buyers are the second most significant international community in Wailea, reflecting the extraordinary consistency of Canadian investment in the Hawaiian resort residential market over four decades. Australian high-net-worth buyers are among the most active international buyer communities in Wailea's current market. Chinese and Korean high-net-worth buyers have been increasingly active in the Wailea market as their broader Hawaii investment has grown.

The branded residence developments within the Wailea resort corridor, the Four Seasons Private Residences Wailea, the Andaz Maui at Wailea residences, have attracted the full international high-net-worth branded residence buyer community described in the Unlocked in America: Branded Residences guide, with Japanese, Chinese, Korean, Canadian, and Australian ownership particularly well-represented.

Kapalua, the northwest Maui resort community anchored by the Ritz-Carlton Residences Kapalua and the Montage Residences Kapalua Bay, occupies a more secluded and more dramatically scenic position than Wailea, on the cliffs and bays of Maui's northwest shore above the Honolua Bay surf break. Japanese high-net-worth buyers established significant Kapalua property positions from the community's earliest development, and that Japanese ownership concentration has been maintained and in many cases deepened over subsequent decades. Canadian and Australian high-net-worth buyers are consistently well-represented throughout Kapalua.

The Post-Lahaina Fire Appreciation Story

The August 2023 Lahaina wildfire, which destroyed the historic Lahaina town and a significant portion of West Maui's residential housing stock, created an acute and ongoing housing shortage on Maui that has driven extraordinary appreciation in the surviving Maui residential inventory. Properties outside the immediate fire zone that survived intact have seen significant value uplift driven by the displacement demand created by the fire's destruction and by the international attention that the disaster brought to Maui's pre-existing housing shortage.

For international high-net-worth owners of Maui property, particularly those in Wailea, Kapalua, and the south and north shore communities that were not directly affected by the fire — the post-fire period has produced an unexpected and significant appreciation in the value of their holdings. The equity release opportunity created by this appreciation is real and, for many international high-net-worth Maui property owners, represents an entirely unplanned and unrecognised capital event that has never been assessed or accessed.

The Big Island: Kohala Coast and the Resort Residential Market

The Big Island of Hawaii, the largest and most geologically dramatic of the Hawaiian Islands, still being actively formed by volcanic activity on its southeastern shore, has

a premium residential and resort market concentrated primarily on the Kohala Coast of the island's northwest shore, where the combination of consistently clear weather, dramatic black lava coastline, and world-class resort infrastructure creates a lifestyle environment unique in the Hawaiian Islands.

The Kohala Coast resort residential market is anchored by the Four Seasons Residences at Hualalai, one of the most significant branded residence developments in Hawaii and a property discussed in detail in the Unlocked in America: Branded Residences guide, alongside the Mauna Kea Beach Hotel community, the Mauna Lani resort residential community, and the Waikoloa Beach Resort residential developments.

Japanese high-net-worth families have been the most historically established and most consistently present international buyer community on the Kohala Coast, with ownership going back to the resort corridor's development in the 1960s and 1970s. The Mauna Kea Beach Hotel, developed by Laurance Rockefeller in 1965 and considered one of the finest resort properties in the world, attracted Japanese high-net-worth investment from its earliest years. Properties in the Mauna Kea Beach Hotel residential community purchased by Japanese high-net-worth buyers in the 1970s and 1980s have appreciated dramatically from their original purchase prices. Canadian high-net-worth buyers are consistently and significantly present throughout the Kohala Coast. Australian high-net-worth buyers have established a growing presence. Chinese and Korean high-net-worth buyers have been increasingly active.

Kauai: Princeville, Poipu, and the Garden Isle

Kauai, the oldest and most dramatically scenic of the main Hawaiian Islands, with the Na Pali Coast, Waimea Canyon, and the extraordinary north shore landscape — has attracted a specifically international high-net-worth buyer community drawn by the island's combination of wilderness beauty, absolute privacy, and the relative inaccessibility that limits the visitor volumes that affect Oahu and Maui.

Princeville, the master-planned resort community on Kauai's north shore, perched on the cliffs above Hanalei Bay with views of the Na Pali Coast, has attracted significant Canadian, Australian, Japanese, and British high-net-worth investment since the community's development in the 1970s and 1980s. Princeville's combination of dramatic scenery, world-class golf, and the cultural and lifestyle authenticity of the Hanalei Valley below has made it the preferred Kauai address for internationally mobile high-net-worth buyers who value natural grandeur over resort infrastructure. Canadian high-net-worth buyers are the most consistently present and most historically established international community in Princeville. Australian high-net-worth buyers are significantly represented. Japanese high-net-worth buyers established significant Princeville positions during the late 1980s Japanese investment wave. British high-net-worth buyers who value Kauai's relative wilderness character are consistently present.

The 1 Hotel and Homes Hanalei Bay development, located on the beach at the base of the Princeville cliffs, combining the 1 Hotel's sustainability-focused luxury brand with a residential community of extraordinary scenic position, has attracted British,

Australian, and European high-net-worth buyers who align with the brand's environmental values alongside its luxury credentials, as well as Chinese and Hong Kong ultra-high-net-worth buyers drawn by the development's exclusive positioning.

Poipu, the south shore resort community that offers Kauai's most consistently sunny weather and its most accessible resort beach infrastructure, has attracted Canadian, Australian, and British high-net-worth buyers who value the combination of beach lifestyle and the relative affordability compared to Princeville's more dramatically positioned properties. Poipu resort residential properties purchased in the 1990s and early 2000s are now worth materially more than their original purchase prices, reflecting both the broader Hawaii appreciation and the specific appreciation in Kauai's limited resort residential inventory.

The Hawaii Equity Release Barrier: Why International High-Net-Worth Owners Cannot Access Their Wealth

International high-net-worth owners of Hawaii real estate face the full range of barriers that affect all internationally mobile US property owners, no US credit history, foreign income in unassessable formats, and offshore holding structures that the conventional US equity release market will not accommodate. Hawaii-specific characteristics add additional complexity.

The Japanese ownership structure challenge: Many Japanese high-net-worth and corporate owners of Hawaii real estate hold their properties through Japanese corporate structures, kabushiki kaisha entities, Japanese family holding companies, or offshore vehicles established under Japanese or Cayman law that were appropriate holding structures for Japanese investment in the 1970s and 1980s but that the conventional US equity release market is entirely unprepared to assess. GMG has specific experience with Japanese corporate and family holding structures in the Hawaii real estate context and can assess equity release lending within these frameworks.

Branded residence management agreement complexity: Hawaii has one of the highest concentrations of branded residence developments of any US state, Four Seasons Hualalai, Four Seasons Wailea, Ritz-Carlton Kapalua, Montage Kapalua Bay, Auberge Makena, and 1 Hotel Hanalei Bay among others. The hotel management agreement complexity described in the Unlocked in America: Branded Residences guide applies with particular force in the Hawaii branded residence market. GMG's experience with hotel management agreement structures makes it one of the very few equity release providers capable of lending against Hawaii branded residence properties.

Hawaii state income tax on capital gains: Hawaii imposes a state income tax of up to 7.25% on capital gains, the third highest state capital gains rate in the United States after California and New Jersey. Combined with the federal long-term capital gains rate of 20% and the 15% FIRPTA withholding for non-resident sellers, the total tax and withholding burden on a Hawaii property sale for a non-resident international high-net-worth owner can approach 40% of the gross sale price. The equity release case, which avoids the state capital gains tax, the federal capital gains tax, and the FIRPTA withholding entirely, is correspondingly strong.

Remote management and documentation gaps: Many international high-net-worth Hawaii property owners, particularly those who purchased in the 1970s, 1980s, and 1990s, have managed their properties remotely for decades through local property management companies. The documentation of rental income, property expenses, and ownership structure may be incomplete or informal in ways that the conventional US equity release market cannot accommodate. GMG's initial assessment process is designed to work with whatever documentation exists and to identify the additional information needed to support an equity release term sheet, rather than requiring complete documentation before engaging with the opportunity.

Vacation rental income complexity: Many Hawaii properties, particularly those in resort communities, generate income through short-term vacation rental programmes (VRBO, Airbnb, and hotel rental pool participation). This vacation rental income is real, it is significant in many cases, and it is documented through platforms and management companies that issue income statements in formats that conventional US mortgage underwriters are not equipped to assess as qualifying income. GMG's asset-led equity release assessment accommodates vacation rental income without requiring it to be reformatted into conventional residential lease income documentation.

The Hawaii Tax Case: Why Equity Release Beats Selling for Non-Resident International High-Net-Worth Owners

For non-resident international high-net-worth owners of Hawaii real estate, which includes the majority of the Japanese, Canadian, Australian, Chinese, Korean, and European buyer communities described in this article, the tax and withholding costs of selling Hawaii property to access capital are among the most significant of any US state.

Hawaii imposes a state income tax of up to 7.25% on capital gains. The federal long-term capital gains rate is 20%. The FIRPTA withholding for non-resident sellers is 15% of gross proceeds, not of the gain, but of the entire sale price. And Hawaii imposes its own additional withholding of up to 7.25% of the gross sale price for non-resident sellers, on top of the federal FIRPTA withholding.

For a Japanese high-net-worth family that purchased a Wailea oceanfront condominium in 1985 for USD 300,000 and that is now worth USD 4.5 million, the gross capital gain is USD 4.2 million. The combined federal and Hawaii state capital gains tax on this gain could approach USD 1.1 million. The FIRPTA withholding at closing at 15% of USD 4.5 million is USD 675,000. The Hawaii state withholding adds a further significant sum. The combined tax and withholding burden on this sale could consume more than 45% of the gross sale proceeds, leaving the Japanese family with less than USD 2.5 million from the sale of a USD 4.5 million property.

Equity release against the same property at 65% LTV provides USD 2.9 million of accessible capital in 10 to 20 business days, with no capital gains tax event, no FIRPTA withholding, no Hawaii state withholding, and the property retained in the portfolio for continued appreciation. The financial superiority of equity release over sale for non-resident Hawaii property owners is among the clearest of any US state, more pronounced even than California given the additional Hawaii state withholding layer.

GMG's Hawaii Equity Release Solution

Global Mortgage Group provides senior secured equity release facilities against qualifying Hawaii residential, resort, and branded residence property for international high-net-worth foreign nationals, overseas investors, and globally mobile high-net-worth property owners, assessed on property value and exit strategy rather than US income documentation or credit history.

Key equity release parameters for Hawaii property:

Loan size: USD 500,000 to USD 100,000,000+
Term: 6 to 24 months
LTV: Up to 65% of independently appraised Hawaii market value
Note: Hawaii LTV reflects the seasonal demand characteristics of resort residential markets and the management agreement restrictions applicable to branded residence properties — GMG works with specialist Hawaii valuers to ensure appropriate assessment of full market value
Interest: Retained or rolled up — no monthly payment obligation in most structures
Security: Kahala, Diamond Head, Hawaii Kai, Kailua, Lanikai and all premium Oahu residential markets; Wailea, Kapalua, Makena, Kaanapali and all premium Maui resort residential markets; Kohala Coast, Mauna Kea, Mauna Lani and all premium Big Island resort residential markets; Princeville, Poipu and all premium Kauai resort residential markets; Four Seasons, Ritz-Carlton, Montage, Auberge, 1 Hotel, and all qualifying Hawaii branded residence developments
Japanese corporate structures: Kabushiki kaisha entities, Japanese family holding companies, and offshore vehicles established under Japanese law considered subject to beneficial ownership due diligence
Hotel management agreements: Considered — GMG has experience lending against
Hawaii branded residence properties subject to hotel management agreements
Vacation rental income: Accommodated within GMG's asset-led assessment framework
Borrower: Japanese, Canadian, Australian, Chinese, Korean, British, Hong Kong, Singaporean, German, French, and all international high-net-worth foreign nationals and non-US residents; Japanese corporate entities; offshore holding companies; family trusts and foundations; US LLCs
No SSN, no US credit history, no US income documentation required
Timeline: Indicative equity release term sheet 24–48 hours; drawdown 10–20 business days

For long-term financing after the equity release period, America Mortgages provides Foreign National mortgages, DSCR investment property mortgages accommodating vacation rental and hotel rental pool income, and EXPat mortgages for US citizens living abroad, all available in Hawaii and across all 50 US states.

Is Hawaii Equity Release Right for You?

This solution is most relevant if one or more of the following applies:

You are an international high-net-worth owner of Hawaii real estate — on Oahu, Maui, the Big Island, or Kauai — with significant unrealised equity built over decades of ownership
You are Japanese, Canadian, Australian, Chinese, Korean, British, Hong Kong, Singaporean, or any other internationally mobile high-net-worth nationality that owns Hawaii property
Your Hawaii property was purchased in the 1970s, 1980s, 1990s, or early 2000s at prices that are now a fraction of current market values
Your Hawaii property is a branded residence subject to a hotel management agreement
Your Hawaii property generates vacation rental income through VRBO, Airbnb, or a hotel rental pool programme
Your Hawaii property is held through a Japanese corporate entity, offshore holding company, family trust, or US LLC
You want to access the equity in your Hawaii property without triggering Hawaii's combined state and federal capital gains tax and FIRPTA withholding on a sale

A US bank has declined your Hawaii equity release application citing your offshore holding structure, your Japanese corporate ownership, your hotel management agreement, or your non-US income documentation

Contact Donald Klip

If you are an international high-net-worth owner of Hawaii real estate and want to explore equity release against your property, contact Donald Klip directly.

Email: [email protected]
Phone: +65 9773-0273
Website: gmg.asia
America Mortgages: americamortgages.com

To receive an indicative equity release term sheet, we need only: Hawaii property address and island, estimated current market value, any existing mortgage balance, approximate equity release amount required, desired loan term, holding entity type, and a brief description of the intended use of funds and repayment plan. If your property is subject to a hotel management agreement or participates in a vacation rental programme, please mention this, GMG has specific experience with these structures.

No tax returns. No W-2 forms. No Social Security Number. No US credit history required at the initial stage. Learn more.

Continue reading the Unlocked in America series at gmg.asia.

UNLOCKED IN AMERICA: Family Offices and US Real Estate Equity Release — The Complete GMG Guide for Principals and Advisors

Post author By Donald Klip
Post date April 23, 2026

Family office US real estate equity release single multi investment committee Singapore

How family offices globally, in Singapore, Geneva, Zurich, London, Hong Kong, Dubai, New York, and across every major wealth management centre, can unlock the equity in US real estate holdings through a specialist equity release facility that works with the offshore structures, the complex income profiles, and the investment management mandates that define family office portfolio construction

The family office is the most sophisticated form of private wealth management in the world. A well-constructed family office investment mandate, managing the wealth of a single ultra-high-net-worth family or a cohort of high-net-worth families across multiple asset classes, multiple geographies, multiple currencies, and multiple generations, represents the pinnacle of integrated wealth management sophistication.

It is also, when it comes to US real estate equity release, one of the most consistently underserved institutional client categories in the global financial system.

Family offices that hold US real estate, directly or through the offshore structures that are standard components of family office portfolio architecture, face the same equity release barrier that affects every international high-net-worth owner of American property: the US mortgage system was not built for them, their home country private bank imposes AUM conditions they are unwilling to accept, and the conventional cross-border property finance market has no product that works efficiently with the investment mandates, the holding structures, and the capital management frameworks that define family office operations.

Global Mortgage Group exists to close this gap. Our equity release programme is purpose-built for the specific requirements of family office US real estate finance, the offshore structures, the investment committee process, the complex beneficial ownership frameworks, the multi-currency income profiles, and the institutional-quality documentation and reporting that family office investment directors require from their specialist financing partners.

This is the Unlocked in America: Family Offices guide, part of the Unlocked in America series by Global Mortgage Group and America Mortgages, the only US mortgage lender focused exclusively on overseas borrowers.

The Family Office and US Real Estate: A Consistent and Growing Allocation

US real estate has been a consistent and growing component of family office investment mandates globally for several decades. The combination of characteristics that makes US real estate attractive to family offices, transparency of pricing and

transaction, depth of the secondary market, strong long-term appreciation, dollar denomination, the legal protection of English common law property rights, and the diversification benefit of a geographically distinct asset market, maps directly onto the investment criteria that family office mandates typically specify for alternative and real asset allocations.

The family office US real estate allocation takes several distinct forms across the global family office community:

Direct trophy residential ownership: The founding family maintains direct residential positions in premium US markets: Manhattan, Beverly Hills, Aspen, Miami, as lifestyle assets that are also expected to deliver long-term capital appreciation. These positions are typically held through offshore structures for estate planning and asset protection purposes and have in many cases been held for decades with significant unrealised appreciation.

Investment property portfolios: The family office holds US real estate as part of a managed investment mandate, multifamily apartment buildings, commercial property, office, retail, industrial, or a diversified portfolio, with the expectation of rental income and capital appreciation. These portfolios are typically held through US LLCs with offshore parent structures.

Branded residence and resort property: Ultra-high-net-worth families frequently hold branded residence positions, in Four Seasons, Ritz-Carlton, Aman, Rosewood, and comparable developments, as lifestyle investments that combine personal use with rental programme income and capital appreciation.

Co-investment alongside institutional funds: Family offices increasingly co-invest alongside institutional real estate funds and developers in US real estate projects, acquiring minority stakes in developments or single properties alongside fund sponsors. These co-investment positions are held through LP or LLC structures that may have specific equity release lending complexity.

Education property: Many family office principals have purchased residential property near elite US universities: Harvard, MIT, Yale, Princeton, Stanford, Columbia, for family members' educational years and have retained those properties as investment assets following graduation. These properties have in many cases appreciated dramatically from their original educational-purpose purchase prices.

Why the Conventional US Equity Release Market Cannot Serve Family Offices

Family offices face a compounded version of the standard international high-net-worth equity release barrier, the standard barriers compounded by the specific investment management and structural characteristics of family office portfolio construction.

Offshore holding structures of institutional complexity

Family office US real estate holdings are almost universally held through offshore structures, BVI companies, Cayman LPs, Jersey trusts, Liechtenstein foundations, Luxembourg SOPARFIs, Singapore variable capital companies, and Hong Kong limited companies, that are standard components of institutionally constructed international real estate portfolios. These structures serve legitimate and important purposes: tax efficiency, estate planning, asset protection, investment mandate compliance, and the separation of investment assets from personal liability exposure.

The conventional US equity release market's refusal to lend against these structures is the single most consistent barrier that family office investment directors encounter when seeking to release equity from US real estate holdings. GMG's equity release programme is specifically designed to accommodate the full range of offshore holding structures used in family office portfolio construction.

Multi-layer beneficial ownership and investment committee governance

Family office beneficial ownership structures frequently involve multiple layer, the ultimate family principals, the family holding company, the family trust, the investment committee, and the family office entity itself, with governance processes that require investment committee approval, trustee consent, and in some cases protector or advisory committee sign-off before any security can be granted over a portfolio asset.

GMG's equity release process is designed to accommodate institutional governance requirements. We provide indicative term sheets that can be taken to investment committees for approval. We engage with trustees and their legal counsel on the trust deed review required for trust-held properties. And our legal panel is experienced in the documentation requirements for offshore structures of institutional complexity.

Complex multi-currency investment income

Family office income, whether from the family's operating businesses, their investment portfolio, their real estate holdings, or the combination of all of these, is multi-currency, multi-jurisdictional, and structured through corporate and trust entities in ways that conventional US mortgage underwriters cannot assess. GMG's asset-led equity release assessment does not require family office income to conform to US mortgage documentation standards.

The AUM condition from private banking relationships

Family offices that maintain relationships with Swiss, British, or Asian private banks, for custodial services, lending facilities, or investment execution, frequently encounter the AUM condition when those private banks are asked to extend cross-border lending against US real estate. The family office, which has its own investment management framework and is not looking for a wealth management relationship with a bank, rejects the AUM condition. GMG provides the same facility without any AUM condition or requirement to maintain a banking relationship.

Institutional reporting and documentation requirements

Family office investment directors operate within institutional frameworks that require formal documentation, detailed reporting, and professional counterparty relationships that conform to the standards expected of institutional-quality advisors. GMG's equity release process provides the institutional-quality documentation, formal term sheets, credit approval letters, legal opinions from qualified US counsel, independent valuation reports, and loan documentation, that family office investment committees require.

The Most Common Family Office Equity Release Scenarios

Portfolio rebalancing without liquidating US real estate positions

The family office investment mandate has become over-allocated to US real estate, either because US property has appreciated dramatically or because new capital has been deployed into other asset classes, altering the portfolio's target allocation ratios. Selling US real estate to rebalance would trigger capital gains tax events and transaction costs and would permanently exit positions that may have long-term strategic value. Equity release from US real estate provides the rebalancing capital without requiring a disposal.

Capital deployment opportunity with a short closing window

The family office investment committee has identified a co-investment opportunity, a private credit transaction, a direct lending mandate, or a real estate acquisition in another market that requires capital deployment within three to four weeks. The family's US real estate equity is the most efficient capital source, but the conventional US equity release process cannot be completed within the required timeline. GMG's 24 to 48 hour term sheet and 10 to 20 business day drawdown timeline makes US real estate equity available within investment closing windows.

Liquidity during generational wealth transfer

The family office is managing the generational transition of family wealth, restructuring holding structures, implementing estate planning provisions, distributing assets among the next generation, and establishing new family governance frameworks. The US real estate portfolio, which may include assets held in trust structures and offshore vehicles established by the previous generation, needs to remain intact during the transition while providing liquidity to meet estate obligations, legal fees, tax provisions, and the capital needs of beneficiaries during the transition period.

Completion funding for development or acquisition projects

The family office has committed capital to a US real estate development or acquisition project, a branded residence purchase, a commercial property acquisition, or a

development co-investment, and the completion payment or acquisition capital is required within a specific timeline. Equity release from an existing US portfolio asset provides the completion funding without requiring a disposal of existing holdings.

Refinancing offshore-structure holdings onto permanent financing

Family office US real estate holdings that were acquired without mortgage finance, entirely from offshore capital, can be refinanced onto long-term mortgage facilities through America Mortgages' Foreign National or DSCR mortgage products. GMG's equity release facility provides the bridge during the documentation and credit assessment period for the long-term mortgage.

The "forgotten asset" within the family office mandate

Family offices that have managed multi-generational family wealth occasionally identify US real estate positions, acquired by the previous generation for educational, lifestyle, or investment purposes, that have been under-managed and whose equity release potential has never been assessed. A Manhattan pied-a-terre purchased in 1995, an Aspen ski chalet acquired in 2002, a Hawaii resort property bought in 1988, these assets may represent significant unrealised equity that has never been treated as an accessible capital resource within the family office's overall portfolio management framework.

GMG as a Family Office Specialist Partner

GMG positions itself as a specialist financing partner within the family office's broader ecosystem of advisors and service providers, occupying the specific and defined role of US property finance specialist, complementing rather than competing with the family office's investment advisors, custodian banks, tax advisors, legal counsel, and real estate investment managers.

Our engagement with family office clients is designed to meet institutional standards:

Institutional-quality documentation: GMG provides formal credit approval letters, detailed term sheets with all pricing and conditions clearly stated, legal opinions from qualified US counsel, independent valuation reports from RICS-qualified or MAI-certified US appraisers, and loan documentation prepared by specialist US real estate legal counsel.

Investment committee presentation support: GMG is available to prepare presentation materials for family office investment committee review, including analysis of the equity release opportunity, comparison of equity release versus sale economics, exit strategy assessment, and risk analysis.

Trustee and legal counsel engagement: For trust-held properties, GMG engages directly with the trustee and their legal counsel to review the trust deed, confirm the trustee's authority to grant security, and manage the legal documentation process efficiently.

Confidentiality and discretion: Family office principals expect absolute discretion from their specialist advisors. GMG operates with the confidentiality standards that ultra-high-net-worth clients require, we do not discuss client transactions, we do not publicise client relationships, and we do not use family office client introductions as marketing material.

Referral fee for family office introducer relationships: Where a family office introduces a related family's US real estate equity release requirement to GMG, or where a multi-family office introduces a client family, GMG pays a competitive referral fee on drawdown, consistent with the referral fee arrangements available to all GMG professional intermediary partners.

The GMG Equity Release Product for Family Offices

Senior secured equity release against US residential and commercial real estate:

Loan size: USD 500,000 to USD 20,000,000+ — larger facilities considered on a case-by-case basis for multi-property portfolios
Term: 6 to 24 months
LTV: Up to 65–70% of independently appraised US market value for residential; up to 60–65% for commercial and specialist assets
Interest: Retained or rolled up — no monthly payment obligation — no income serviceability requirement
No AUM condition — no requirement to maintain a banking relationship with GMG or any affiliated institution
No US credit history required for family or family office principals
Multi-currency income assessment: USD, CHF, EUR, GBP, SGD, HKD, AED, JPY, AUD, and all major currencies considered within asset-led assessment
Offshore holding structures: BVI companies, Cayman LPs and exempted companies, Jersey trusts and companies, Guernsey trusts, Liechtenstein Anstalts and Stiftungs, Luxembourg SOPARFIs and SCSps, Singapore VCCs and private limited companies, Hong Kong limited companies, and all other qualifying international structures, subject to beneficial ownership due diligence
Investment committee governance: GMG provides formal documentation suitable for investment committee review and approval
Timeline: Indicative term sheet 24–48 hours; drawdown 10–20 business days for standard structures; 20–35 business days for complex trust and foundation structures

America Mortgages long-term products for family offices seeking permanent US financing:

Foreign National Mortgage: Long-term US mortgage for non-US national family principals assessed on foreign income
DSCR Mortgage: Investment property mortgage assessed on US rental income — ideal for family office investment property portfolios

Available across all 50 US states, including all major family office US real estate markets

Singapore Family Offices: GMG's Home Market

Singapore has emerged as the most significant family office hub in Asia and one of the most important globally, with the Monetary Authority of Singapore (MAS) reporting extraordinary growth in registered family offices under the Section 13O and 13U tax incentive schemes over the past five years.

Singapore-based family offices, whether established by Singaporean principals, Chinese high-net-worth families, Indonesian business dynasties, Indian technology founders, or globally mobile ultra-high-net-worth families from any origin, are among GMG's most natural and most proximate referral partners for US real estate equity release.

GMG is headquartered in Singapore. Our team is available for in-person meetings with Singapore family office investment directors and their principals. We understand the Singapore family office regulatory framework, the MAS licensing requirements, the VCC structure, the Section 13O and 13U incentive schemes, and the compliance obligations that Singapore-based family offices operate under. And we understand the Singapore-based family's international portfolio, including the US real estate component that is increasingly a standard allocation within Singapore family office investment mandates.

Singapore family offices seeking to discuss US real estate equity release are invited to contact Donald Klip directly for an in-person meeting at GMG's Singapore office.

Establishing a Family Office Partnership with GMG

If you are a family office investment director, a chief investment officer, a family office principal, or an advisor to a family office who manages US real estate positions and wants to discuss how GMG's equity release programme can address the family office's US property finance needs, contact Donald Klip directly.

Email: [email protected]
Phone: +65 9773-0273
Website: gmg.asia
America Mortgages: americamortgages.com

For family offices or multi-family offices interested in a formal referral partner relationship, for introducing related families or client families with US real estate equity release needs, GMG's Referral Partner Agreement is available on request.

To discuss a specific portfolio situation or a specific US property equity release requirement on a confidential basis, contact Donald Klip directly. GMG provides preliminary feasibility assessments and indicative pricing for specific situations without requiring formal client identification at the initial stage.

GMG is headquartered in Singapore and operates across 23 jurisdictions. In-person meetings are available in Singapore and across the Asia-Pacific region, and by video conference for family offices in Geneva, Zurich, London, Dubai, Hong Kong, New York, and beyond.

UNLOCKED IN AMERICA: Canadian High-Net-Worth Owners of US Real Estate — The Complete Equity Release Guide

Post author By Donald Klip
Post date April 23, 2026

Canadian HNW US real estate equity release Florida Arizona snowbird CAD income

How Canadian nationals and Canada-based high-net-worth individuals who own property in Florida, Arizona, California, New York, Hawaii, and across America's premium real estate markets can release the equity built across generations of Canadian investment in American lifestyle and second home real estate, without the American lending system treating Canadian income and Canadian holding structures as though they were foreign

Canada and the United States share the world's longest international border, the world's largest bilateral trading relationship, and a history of cross-border lifestyle and property investment that is genuinely unique in global real estate. Canadian high-net-worth families have been buying US property as a matter of course, for retirement, for winter sun, for investment, for lifestyle, for as long as Florida has had condominiums and Arizona has had golf courses.

The Canadian high-net-worth owner of US real estate is simultaneously the most domestically proximate and the most systematically underserved international US property owner community. Proximate because Canadian income, Canadian banking, and Canadian English-language documentation should theoretically be the easiest non-US documentation to assess. Underserved because the conventional American lending system still requires a Social Security Number, a US credit history, and income documented through US tax forms, requirements that Canadian nationals, regardless of how frequently they cross the border or how long they have owned their US property, almost never satisfy.

The Canadian snowbird who has owned a Scottsdale golf community home since 1989. The Ontario business family that acquired a Sarasota Gulf frontage property in 1994. The Vancouver technology entrepreneur who bought a Los Angeles second home in 2011. The Montreal family that purchased a Florida Keys vacation home in 2001. All of them are Canadian citizens with Canadian income and Canadian holding structures. All of them have seen their US property appreciate dramatically. And all of them have found that the American lending system, despite their proximity and their cultural familiarity, cannot release their equity any more efficiently than it serves a Chinese or Brazilian buyer.

This is the Unlocked in America: Canadian High-Net-Worth Owners of US Real Estate guide, part of the Unlocked in America series by Global Mortgage Group and America Mortgages.

What Canadian High-Net-Worth Owners Have Built in US Real Estate

Florida: The Canadian Snowbird Capital

Florida is the premier destination for Canadian high-net-worth property investment, a relationship that goes back to the 1960s and that has deepened with every decade as Florida's lifestyle credentials, its zero state income tax, and its accessibility from the major Canadian cities have reinforced the logic of Canadian investment. Sarasota, Naples, Fort Lauderdale, Fort Myers, and the Space Coast have all attracted significant Canadian buyer communities alongside the Miami-area markets. Properties purchased in the 1990s and early 2000s have appreciated substantially from their original Canadian-dollar purchase prices, with the additional benefit of significant CAD-to-USD currency appreciation over the same period in many cases.

Arizona: Scottsdale and the Desert Lifestyle Market

Scottsdale and Paradise Valley are the second most significant Canadian high-net-worth US property markets after Florida. Canadian buyers have been the dominant international community in Scottsdale's golf and resort residential market since the 1970s. Properties purchased in the 1990s for USD 300,000 to 600,000 are now worth USD 1 to 3 million.

California, Hawaii, and New York

Canadian high-net-worth buyers have established significant positions across California's coastal markets, particularly in Los Angeles, San Diego, and the Silicon Valley communities, alongside consistent Hawaii ownership and a growing New York pied-a-terre market. Vancouver and Toronto-based technology and finance wealth has been increasingly active in the US premium property market over the past decade.

The Canadian Equity Release Barrier: FATCA, Cross-Border Complexity, and CAD Income

Canadian high-net-worth owners of US real estate face several specific barriers in the US equity release market. The FATCA (Foreign Account Tax Compliance Act) reporting obligations that apply to Canadians with US financial accounts and US property create a tax reporting complexity that many conventional US lenders use as a reason to decline cross-border lending to Canadian nationals. Canadian income, whether in Canadian dollars from a business, an investment portfolio, or a real estate portfolio, is not assessed by US mortgage underwriters in the same way as US income even where the documentation is comprehensive and the income is substantial.

GMG's asset-led assessment accommodates Canadian dollar income and Canadian holding structures, Canadian corporations, family trusts under Canadian law, and offshore structures used by Canadian high-net-worth families, without requiring income to conform to US mortgage documentation standards.

GMG's Equity Release Solution for Canadian High-Net-Worth Owners

Loan size: USD 500,000 to USD 20,000,000+

Term: 6 to 24 months
LTV: Up to 65–70% of independently appraised US market value
Interest: Retained or rolled up — no monthly payment
No US credit history or SSN required
CAD income from Canadian businesses, investment portfolios, and real estate — considered within asset-led assessment
Canadian corporations, family trusts, and offshore structures — all considered
Security: Florida, Arizona, California, Hawaii, New York, and all major US markets with significant Canadian high-net-worth ownership
Timeline: Term sheet 24–48 hours; drawdown 10–20 business days

Contact Donald Klip

Email: [email protected]
Phone: +65 9773-0273
Website: gmg.asia
America Mortgages: americamortgages.com

UNLOCKED IN AMERICA: Brazilian High-Net-Worth Owners of US Real Estate — The Complete Equity Release Guide

Post author By Donald Klip
Post date April 23, 2026

Brazilian HNW US real estate equity release Miami Fisher Island BRL Cayman

How Brazilian nationals and Brazil-based high-net-worth individuals who own property in Miami, Fisher Island, Brickell, Bal Harbour, Coral Gables, Orlando, and across America's premium real estate markets can release the equity they have built across five decades of Brazilian investment in American property, without the Brazilian real's volatility, Brazil's capital control environment, or the American lending system's inability to assess Brazilian income standing in the way

Brazil's relationship with Miami real estate is the longest-standing and most deeply rooted bilateral property investment relationship of any Latin American country with any American city. Brazilian high-net-worth families began acquiring Miami property in the 1970s, motivated initially by Brazil's periodic economic and political instability and the dollar-denominated safety of Florida real estate, and sustained over five decades by the consistent logic of maintaining a portion of family wealth in an asset that is simultaneously a lifestyle resource and a capital preservation vehicle outside Brazil's domestic currency and regulatory environment.

Brazilian high-net-worth buyers are present in every tier of the Miami market. They are among the founding buyers of Fisher Island, where Brazilian ultra-high-net-worth families acquired residences in the island's first development phase at prices that now represent a small fraction of current values. They are in Coconut Grove and Coral Gables, where Brazilian professional and business families have built multi-generational residential presences that in some cases span four decades. They are in Brickell, where Brazilian buyers participated in the earliest phases of the condominium development that transformed Miami's financial district from a secondary market into a global address. They are in Bal Harbour, where Brazilian buyers are among the most consistent and most financially significant international communities in the luxury condominium market.

The Brazilian equity release barrier is rooted in Brazil's capital control environment, the volatility of the Brazilian real, the offshore holding structures that Brazilian high-net-worth families use to hold their US real estate, and the complete incompatibility of Brazilian income documentation with American mortgage underwriting standards.

This is the Unlocked in America: Brazilian High-Net-Worth Owners of US Real Estate guide, part of the Unlocked in America series by Global Mortgage Group and America Mortgages.

The Brazil-Specific Equity Release Barrier: Capital Controls, Currency Volatility, and BRL Income

Brazil's capital control environment creates specific challenges for Brazilian high-net-worth property owners seeking equity release from US assets. The Brazilian Central Bank (Banco Central do Brasil) regulates outward capital flows, and the mechanisms by which Brazilian high-net-worth families have historically funded their US property purchases, through legitimate offshore capital held in accounts outside Brazil, through Brazilian company distributions received internationally, or through the conversion of Brazilian real at favourable moments, do not always produce the clean, US-format income documentation that conventional US mortgage underwriters require.

The Brazilian real's historic volatility adds a further dimension: many Brazilian high-net-worth owners of US real estate hold their American property specifically as a dollar-denominated hedge against Brazilian currency risk. The logic of that hedge, which has been repeatedly validated by Brazilian currency crises over five decades, argues strongly against selling the US property to access equity. Equity release preserves the dollar-denominated asset while providing the liquidity the Brazilian high-net-worth owner needs.

GMG's asset-led assessment does not require Brazilian real income to be documented in US mortgage-compatible formats. We assess the US property value and the exit strategy. The Brazilian income documentation informs our overall understanding without being required to conform to a standard it was never designed to meet.

What Brazilian High-Net-Worth Owners Have Built in US Real Estate

Miami: Fisher Island, Brickell, Coconut Grove, Bal Harbour

Brazilian high-net-worth buyers are the single most historically significant international buyer community in Miami's premium real estate market. Fisher Island residences purchased in the early 1990s for USD 400,000 to 700,000 are now worth USD 3 to 8 million. Brickell condominiums acquired in the early 2000s for USD 200,000 to 400,000 are now worth USD 800,000 to 2 million. Coconut Grove single-family homes purchased for USD 400,000 to 800,000 in the 1990s are now worth USD 2 to 4 million.

Orlando: The Brazilian Investment Property Market

Orlando has attracted significant Brazilian investment in vacation home and investment property, driven by the Disney and theme park tourism ecosystem that generates consistent short-term rental demand. Brazilian high-net-worth families have built significant equity positions in Orlando's premium resort residential communities.

GMG's Equity Release Solution for Brazilian High-Net-Worth Owners

Loan size: USD 500,000 to USD 100,000,000+
Term: 6 to 24 months
LTV: Up to 65–70% of independently appraised US market value
Interest: Retained or rolled up — no monthly payment
No US credit history or SSN required
BRL income, Brazilian corporate distributions, and offshore capital — considered within asset-led assessment
Cayman, BVI, Panama, and Brazilian holding entities — all considered subject to due diligence
Security: Fisher Island, Brickell, Coconut Grove, Bal Harbour, Coral Gables, Miami Beach, Orlando, and all major US markets with significant Brazilian high-net-worth ownership
Timeline: Term sheet 24–48 hours; drawdown 10–20 business days

Contact Donald Klip

Email: [email protected]
Phone: +65 9773-0273
Website: gmg.asia
America Mortgages: americamortgages.com

UNLOCKED IN AMERICA (Pt 11 of 11) — The Complete Guide: Every Way to Release Equity From US Real Estate as an International Owner

Post author By Donald Klip
Post date April 23, 2026

Complete guide international high net worth US real estate equity release all situations

A summary of the UNLOCKED IN AMERICA series: the ten situations, the one equity release solution, and how to start the conversation with Global Mortgage Group and America Mortgages.

Over the ten articles in the UNLOCKED IN AMERICA series, we have covered the full landscape of US property equity release for international high-net-worth owners of American real estate. This final article brings it all together: a summary of the ten situations the series has addressed, the single equity release solution that connects all of them, and the straightforward path to starting the conversation.

This is Part 11 of UNLOCKED IN AMERICA, an 11-part series for international high-net-worth owners of US real estate who have built extraordinary wealth in America and cannot access it. The full series and all supporting resources are available at GMG's US property equity release programme.

According to the National Association of Realtors, international buyers account for a significant and growing share of US residential real estate transactions each year, with total purchase volumes consistently in the tens of billions of dollars. The equity that has accumulated in those holdings over decades represents one of the most underleveraged pools of wealth in global property finance.

The Ten Situations the Series Has Addressed

Part 1: You Are Not American. You Own American Property. That Is Why Your Bank Will Not Release Your Equity.

You own US real estate but have no Social Security Number, no US credit history, and income earned and documented outside the United States. The American banking system cannot process your equity release request. GMG can.

Part 2: Your US Bank Knows Exactly How Much Your Property Is Worth. They Still Will Not Lend Against It.

Your bank can see your US property equity. Their own debt-to-income rules will not let them release it, because your income comes from a business, a portfolio, a retirement fund, or a foreign employer that their underwriting system cannot assess appropriately.

Part 3: Thirty Years Ago Your Family Bought Property in America. That Decision Is Now Worth Millions More Than You Realise.

Your European, Asian, Middle Eastern, or Latin American family bought US property thirty or forty years ago. It has appreciated tenfold. The equity has never been released. International equity release finance finally makes it accessible without selling.

Part 4: You Bought It for Your Child's Education. Your Child Graduated Twenty Years Ago. The Property Is Still There and So Is the Equity.

You bought near Harvard, Columbia, Stanford, or UCLA for your child's university years. Your child graduated twenty years ago. The property has tripled in value and the equity is sitting dormant, waiting to be released. GMG's resource on education and US property equity covers this scenario in full.

Part 5: The Beverly Hills Home Your Family Bought When the Yen Was Strong Is Now Worth Ten Times What You Paid in Dollars.

Forty years of Chinese, Japanese, Korean, Singaporean, and Southeast Asian high-net-worth investment in Beverly Hills, the Pacific Palisades, Arcadia, and Malibu has created extraordinary equity that offshore holding structures and the absence of US credit history have made impossible to release, until now.

Part 6: Your Family Chose Miami When It Was Still a Regional City. The Equity That Decision Created Is Now Extraordinary and Still Untouched.

Fifty years of Brazilian, Colombian, Venezuelan, Argentine, and Mexican high-net-worth investment in Fisher Island, Brickell, Coral Gables, and Palm Beach has built one of the most significant concentrations of international high-net-worth US property equity in the country. It has never been released.

Part 7: You Are an American Living Abroad with US Property. Your Own Country's Banks Treat You Like a Stranger.

You are a high-net-worth US citizen living in Singapore, London, Hong Kong, or Dubai. You pay US taxes. You own US property. Your own country's banks treat your foreign income as though it does not exist and will not release your equity.

Part 8: Your US Property Is Held in an LLC or Trust. Your Bank Used That as the Reason to Decline You. Here Is the Solution.

Your legitimate legal and tax planning, a US LLC, a family trust, a BVI company, is the precise reason the conventional US lender will not release your equity. GMG extends equity release facilities against the structure rather than demanding you restructure.

Part 9: Selling Your US Property to Access Capital Costs Far More Than You Think. Here Is What Equity Release Actually Costs by Comparison.

FIRPTA withholding at 15% of gross proceeds, capital gains tax at combined rates of up to 33% in California and New York, depreciation recapture, agent commissions, and the permanent loss of future appreciation. The real cost of selling versus equity release almost always favours the equity release facility for internationally mobile high-net-worth owners.

Part 10: The Bank That Watched You Build a Lifetime of US Property Wealth Has Decided Your Retirement Income Means You Cannot Access It.

You spent forty years building extraordinary equity in US real estate. Retirement dropped your assessable income and the bank's system decided you no longer qualify to release what you built. GMG's exit-strategy-led equity release assessment disagrees. GMG's resource on equity release for long-term US property owners covers the retirement equity trap in detail.

The One Solution: GMG Equity Release and America Mortgages

Every situation in this series has the same equity release solution at its core: a senior secured equity release facility from Global Mortgage Group, assessed on the US property value and exit strategy rather than on the income documentation, credit history, and citizenship profile that the conventional American lending system requires.

For international high-net-worth owners who want a long-term financing structure beyond the equity release period, America Mortgages, the only US mortgage lender focused exclusively on overseas and internationally mobile borrowers, provides Foreign National mortgages, DSCR investment property mortgages assessed on rental income rather than personal income, and EXPat mortgages for US citizens living abroad, across all 50 US states.

The Mortgage Bankers Association has documented the consistent and widening gap between the equity held by non-resident and internationally mobile US property owners and the equity release products available to them, a gap that GMG and America Mortgages were built specifically to close.

The Equity Release Parameters That Apply Across All Eleven Situations

Loan size: USD 500,000 to USD 20,000,000+
Term: 6 to 24 months
LTV: Up to 65 to 70% of independently appraised US market value
Interest: Retained or rolled up, no monthly payment obligation in most structures
Security: US residential and commercial property in all major markets, including New York, Los Angeles, San Francisco, Miami, the Hamptons, Boston, and beyond
Borrower: International high-net-worth foreign nationals, non-US residents, US expatriates, retired high-net-worth owners, US LLCs, offshore entities, family trusts
No SSN, no US credit history, no US income documentation required at the initial equity release stage
Timeline: Indicative equity release term sheet 24 to 48 hours; drawdown 10 to 20 business days

For a deeper understanding of how US property values have performed over the long term and why retained ownership remains the rational position for most international high-net-worth owners, the Federal Reserve Bank of St. Louis housing data series provides authoritative long-run US residential price data that underpins the equity release case across every situation in this series.

"Over ten articles we have described the same fundamental problem from ten different angles: extraordinary US property equity held by international high-net-worth owners who cannot access it through the conventional American lending system. The solution in every case is the same: an equity release facility that is assessed on the property value and the exit plan, not on documentation that the borrower's international financial life will never produce. That is what GMG does. The conversation starts with a property address and a capital need. Everything else follows from there."
— Donald Klip, Co-Founder, Global Mortgage Group and America Mortgages

The Conversation Starts Here

If you have read any part of the UNLOCKED IN AMERICA series and recognised your situation, as an international high-net-worth owner of US real estate who has been told no, who has been offered less than your equity justifies, or who has simply never explored what equity release from your American property could make possible, the conversation with GMG starts simply.

No tax returns. No W-2 forms. No Social Security Number. No US credit history required at the initial stage. The initial conversation is about the property, the equity, and the plan.

UNLOCKED IN AMERICA ends here. The equity release opportunity it describes does not.

Contact Donald Klip

If you are an international high-net-worth owner of US real estate and want to explore equity release or a bridging loan against your American property, contact Donald Klip directly.

Email: [email protected]
Phone: +65 9773-0273
Website: gmg.asia
America Mortgages: americamortgages.com

To receive an indicative equity release term sheet, we need only: US property address and type, estimated current market value, any existing mortgage balance, approximate equity release amount required, desired loan term, and a brief description of the intended use of funds and repayment plan.

Read the full UNLOCKED IN AMERICA series at gmg.asia.

UNLOCKED IN AMERICA (Pt 10 of 11) — The Bank Has Decided Your Retirement Income Means You Cannot Access Your US Property Equity. GMG Disagrees.

Post author By Donald Klip
Post date April 23, 2026

Retired high net worth US property owner equity release pension income

Why retired and semi-retired high-net-worth US property owners, domestic and internationally mobile, are systematically failed by the American home equity lending system the moment their active income stops, and how equity release finance solves it.

There is a moment that arrives for many of America's most successful high-net-worth property owners, a moment of quiet irony that becomes acute when capital is needed.

You have spent the better part of four decades building, acquiring, paying down, and watching appreciate a portfolio of US real estate that represents, by any objective measure, significant wealth. You retired, or sold your business, or stepped back from active income, at a point when you felt comfortable that the accumulated assets would sustain the life you had worked to build. The property positions are strong. The equity is real and substantial. And now you need capital, for an investment, a family need, a property acquisition, a life event, and you turn to the logical source: the equity in the property you have spent decades accumulating.

You approach your bank. They know you. They know the property. And then the underwriting system produces its answer: the debt-to-income ratio, run against your retirement income, your Social Security, your 401(k) distributions, your pension, your investment portfolio drawdowns, or your overseas income if you are internationally mobile, produces a qualifying equity release amount that is a small fraction of the equity sitting in your property.

The equity in the home is unchanged. The wealth is unchanged. But the bank's willingness to release that equity drops in direct proportion to the income decline. The system that watched you build a lifetime of property wealth has decided your retirement income means you cannot access it.

Equity release finance solves this directly. GMG's assessment is based on the property value and the exit strategy, not the income formula.

This is Part 10 of UNLOCKED IN AMERICA, an 11-part series for international high-net-worth owners of US real estate who have built extraordinary wealth in America and cannot access it. For a full overview of the facility, visit GMG's US property equity release programme.

The Scale of Retirement-Era High-Net-Worth Equity in US Prime Residential Markets

The generation most acutely affected by the retirement equity trap entered the US prime residential market between the late 1970s and the late 1990s, buyers now in their 60s, 70s, and 80s, who purchased at prices that bore no resemblance to today's values and who have held through the extraordinary appreciation cycle that has defined American real estate for four decades.

A retired Wall Street professional who purchased a Park Avenue cooperative apartment in 1982 for USD 300,000 holds an asset worth USD 3 to 5 million today. A retired international executive who acquired a Connecticut shoreline property in the late 1980s for USD 500,000 holds real estate worth USD 2.5 to 4 million. A retired technology entrepreneur who bought in Pacific Heights in 1988 for USD 600,000 now holds an asset worth USD 4 to 7 million. A retired entertainment professional who purchased in Pacific Palisades in 1992 for USD 700,000 holds a home worth USD 4 to 6 million. An internationally mobile retired business founder who acquired a Beverly Hills property in 1995 for USD 1.2 million holds an asset worth USD 8 to 12 million.

The equity positions are, in every case, substantial. The income that the bank's system will recognise in assessing whether to release that equity is, in many cases, a fraction of what it was at the peak of the borrower's career.

According to the Federal Reserve's Survey of Consumer Finances, Americans aged 65 and over hold a disproportionately large share of total US residential real estate equity, yet consistently report among the lowest rates of successful equity access through conventional lending channels. The structural mismatch between asset wealth and income-based qualification is not an edge case. It is the defining financial experience of a generation of high-net-worth retirees.

The Specific Income Structures That Break the Retirement Equity Release System

Social Security and Pension Income

For high-net-worth retirees, these income sources are typically a small fraction of total retirement capacity. A retired executive who spent their career earning USD 800,000 per year may receive USD 3,500 per month in Social Security, a figure that would qualify them for a very modest equity release against an asset worth millions. The income is real. The mismatch with the asset's value is the problem.

Portfolio Drawdowns and Investment Income

The majority of most high-net-worth retirees' income comes from portfolio distributions, systematic withdrawals from IRAs and 401(k) accounts, dividends, and distributions from investment partnerships. US mortgage lenders assess this income with varying degrees of recognition that consistently understate actual financial capacity. A retiree drawing down a USD 10 million investment portfolio at a conservative 4% rate has USD 400,000 of annual income by any rational measure. The lender's underwriting system may count a fraction of that.

Business Sale Proceeds

A high-net-worth business founder who sold their company for USD 20 million and is living off the invested proceeds has, from the conventional lender's equity release perspective, no reliable income stream, despite having USD 20 million in liquid assets. GMG's asset-led assessment corrects this directly. For this profile, GMG's resource on equity release for long-term US property owners provides a detailed breakdown of how the facility is structured for post-exit founders.

International Retirement Income

For internationally mobile high-net-worth retirees, those who split their retirement between the United States and Singapore, London, Hong Kong, or another global city, overseas pension income, foreign investment returns, and non-US financial assets are frequently excluded entirely from US equity release assessment. GMG considers income in all major currencies and from all major jurisdictions as part of a holistic borrower assessment.

The Consumer Financial Protection Bureau's research on older homeowners has documented how income-based underwriting systematically disadvantages asset-rich, income-poor retirees in accessing home equity products, describing the qualification gap as one of the most persistent failures of the conventional US mortgage market.

"The retirement equity trap is one of the most frustrating problems we see, because it is so clearly at odds with the financial reality of the high-net-worth people experiencing it. Someone who has accumulated USD 5 million of equity in their US home over forty years of disciplined wealth building should not have to accept that their bank will only release USD 200,000 of it because their retirement income does not fit the debt-to-income formula. That is not a credit risk assessment. It is a category error. Equity release finance fixes it."
— Donald Klip, Co-Founder, Global Mortgage Group and America Mortgages

How GMG's Equity Release Works for Retired High-Net-Worth US Property Owners

GMG's equity release facility is assessed on the property value and the exit strategy, not on income-based debt-to-income ratios. The retained interest structure is particularly powerful for retired high-net-worth borrowers: the total interest for the loan term is calculated upfront and deducted from the equity release proceeds at drawdown. There is no monthly repayment. The full facility is repaid at maturity from the exit event, a property sale, a long-term refinancing, or the receipt of investment or business proceeds. The monthly income problem disappears entirely.

For retired owners considering how equity released from a long-held primary residence can be structured alongside education planning for grandchildren, GMG's resource on education and US property equity covers exactly this use case, one of the most common applications among retired high-net-worth grandparents with substantial US property equity.

Key Equity Release Parameters

Loan size: USD 500,000 to USD 20,000,000+
Term: 6 to 24 months
LTV: Up to 65 to 70% of independently appraised US market value
Interest: Retained or rolled up, no monthly payment obligation
Security: Primary residences, second homes, investment properties in all major US markets
Borrower: US citizens, permanent residents, retired and semi-retired high-net-worth individuals, internationally mobile retirees, business founders post-exit, complex income earners
Income assessment: Asset and exit-strategy led, conventional US DTI ratios do not apply to GMG's equity release assessment
Age: No upper age limit
Timeline: Equity release term sheet 24 to 48 hours; drawdown 10 to 20 business days

For long-term financing after the equity release period, America Mortgages provides specialised mortgage products for complex-income and internationally mobile borrowers, including the DSCR programme for investment properties and the Foreign National programme for non-US residents.

The Urban Institute's Housing Finance Policy Center has published extensively on the structural gap in equity access for older, asset-rich homeowners, noting that the US mortgage market's reliance on income-based qualification creates a persistent and economically irrational barrier for a growing segment of high-net-worth retirees.

The Most Common Retirement-Era Equity Release Scenarios

Funding a Major Life Event Without Selling the Home

Medical costs, family support, a significant gift to children or grandchildren: equity release against a long-held US property provides capital for these events without requiring a sale that would trigger significant tax consequences and permanently exit an appreciated asset.

Acquiring a Retirement Destination Property

Many high-net-worth retirees want to acquire a second home, in Florida, internationally, or in a different US city, while retaining their primary property. Equity release from the primary property funds the acquisition without requiring a sale and without the need to qualify on retirement income alone.

Rebalancing a Real Estate-Heavy Portfolio

Equity release provides liquid capital for redeployment into other asset classes without forcing property sales that would trigger significant tax consequences. For retirees whose net worth has become disproportionately concentrated in a single appreciated US property, the equity release facility provides the rebalancing mechanism that conventional lending does not.

Funding a Family Member's Opportunity

Retired high-net-worth parents and grandparents frequently want to fund a child's business venture, contribute to a grandchild's education, or provide capital during a family member's difficult period. Equity release from a long-held US property is often the most efficient and tax-considered source for these transfers.

Is This Right for You?

This solution is most relevant if:

You are retired, semi-retired, or post-active-income and own US property with significant equity that your bank will not release at the level your asset's value justifies
Your retirement income, including Social Security, portfolio drawdowns, pension, business sale proceeds, or overseas pension, does not satisfy conventional US mortgage debt-to-income assessment despite your overall high-net-worth position
You are internationally mobile and your retirement income is earned or held outside the United States
You have been declined for US home equity release finance or offered materially less than your property's value justifies
You want to access equity without selling a property you have held for decades

Contact Donald Klip

If you are an international high-net-worth owner of US real estate and want to explore equity release or a bridging loan against your American property, contact Donald Klip directly.

Email: [email protected]
Phone: +65 9773-0273
Website: gmg.asia
America Mortgages: americamortgages.com

Continue reading the UNLOCKED IN AMERICA series at gmg.asia.

UNLOCKED IN AMERICA: Texas — The Complete Equity Release Guide for International High-Net-Worth Owners

Post author By Donald Klip
Post date April 23, 2026

Texas Austin Dallas Houston international HNW equity release foreign national

How global high-net-worth investors from the United Kingdom, Canada, India, China, Hong Kong, Mexico, Colombia, Israel, Australia, Germany, France, South Korea, and the Middle East who own property in Austin, Dallas, Houston, San Antonio, and across Texas's premium real estate markets have built significant equity in America's fastest-growing high-net-worth property state, and how international equity release finance makes that wealth accessible without selling

Texas occupies a unique and increasingly important position in the landscape of international high-net-worth US real estate investment. It is not the market with the longest history of international ownership, that distinction belongs to California, New York, and Florida. It is not the market with the most dramatic four-decade appreciation story. But it is the market that has attracted the most significant new international high-net-worth capital over the past decade, and it is the market where the equity release opportunity is growing fastest.

The reasons are structural and well-understood by the internationally mobile high-net-worth community. Texas has no state income tax and no state capital gains tax, making it alongside Florida the most tax-efficient state in America for high-net-worth property owners. Its economy, driven by energy, technology, finance, healthcare, and defence, has delivered consistent employment growth and income growth that has underpinned sustained property price appreciation across all major Texas markets. Its cities: Austin, Dallas, Houston, and San Antonio, have attracted extraordinary concentrations of domestic and international talent and capital over the past decade, driving residential demand that has produced appreciation rates competitive with the coastal markets.

For international high-net-worth investors, Texas represents the emerging market within the established American real estate landscape, a state where the appreciation story is still in relatively early innings, where entry prices remain materially below comparable California and New York markets, and where the zero state income tax environment is a genuine and significant financial advantage for high-net-worth property owners who are considering their overall US tax exposure.

This is the Unlocked in America: Texas guide, part of the Unlocked in America series by Global Mortgage Group and America Mortgages, the only US mortgage lender focused exclusively on overseas borrowers.

Texas Property Appreciation: What International High-Net-Worth Owners Have Built

Texas residential property appreciation over the past decade has been exceptional, driven by population migration from high-tax coastal states, a technology industry

relocation that brought significant employer and talent concentration, and a chronic undersupply of premium residential stock relative to demand in the major metropolitan markets.

Austin's median home price rose from approximately USD 200,000 in 2010 to over USD 550,000 today, a nearly threefold increase at the median. In the premium neighbourhoods and luxury markets where international high-net-worth buyers have concentrated, the appreciation is significantly higher. Properties in Austin's Tarrytown, West Lake Hills, and Barton Creek neighbourhoods purchased for USD 800,000 to 1.5 million in the 2010 to 2015 window are now worth USD 2.5 to 5 million.

Dallas's premium markets, Highland Park, University Park, Preston Hollow, and the luxury condominium towers of Uptown, have seen appreciation of 50 to 150% over the past decade. Properties in Highland Park and University Park purchased for USD 1 to 2 million in the early 2010s are now worth USD 2.5 to 5 million. Preston Hollow estate properties purchased for USD 2 to 4 million in the 2012 to 2018 window are now worth USD 4 to 9 million for the most significant holdings.

Houston's River Oaks, the most established and most internationally owned premium residential neighbourhood in Texas — has seen consistent long-term appreciation, with estate properties purchased for USD 2 to 5 million in the 2000s now valued at USD 5 to 12 million.

Why Texas Is Different: Zero State Income Tax and Zero State Capital Gains Tax

Like Florida, Texas imposes no state income tax and no state capital gains tax. This means that for international high-net-worth owners of Texas real estate, the only capital gains exposure on a property sale is the federal rate of 20% for long-term gains, plus the 15% FIRPTA withholding for non-resident foreign national sellers. The combined tax burden of selling Texas property is significantly lower than California or New York — making Texas a more straightforward sell-versus-release analysis than the coastal high-tax states.

This does not eliminate the equity release opportunity in Texas. FIRPTA withholding at 15% of gross proceeds is still a significant cost on a multi-million-dollar Texas property sale. And the speed, flexibility, and capital efficiency of equity release, particularly for time-sensitive investment opportunities and acquisitions, remain compelling regardless of the state tax environment.

Part One: Austin — The Technology Capital of Texas

Austin's transformation from a state capital and university city into one of America's most significant technology hubs has been one of the most dramatic urban economic stories of the past decade. The relocation of Tesla's headquarters, Oracle's global headquarters, Apple's second campus, and dozens of major technology employer

expansions to Austin has attracted an extraordinary concentration of technology wealth — both domestic and international.

West Lake Hills, Barton Creek, and the Lake Austin Corridor

West Lake Hills, Barton Creek, and the communities along the Lake Austin corridor represent Austin's premium residential market, the addresses where technology executives, successful entrepreneurs, and established Austin families have concentrated their wealth in residential real estate.

British high-net-worth technology executives and entrepreneurs who have followed the technology industry's Austin expansion are among the most significant international buyer communities in Austin's premium markets. Indian high-net-worth technology founders and executives, many of whom have followed their employers' Austin expansions from the Bay Area, represent the fastest-growing international buyer community in Austin. Canadian high-net-worth buyers, drawn by Austin's lifestyle credentials and the zero state income tax environment, are well-represented. Israeli high-net-worth technology founders who have established Austin operations alongside their US and Israeli business activities are consistent buyers. German and British high-net-worth buyers attracted by Austin's music and creative culture alongside its technology industry are present throughout the premium residential market.

Tarrytown and Old Enfield

Tarrytown and Old Enfield, Austin's most established and architecturally significant neighbourhoods, immediately west of downtown, have attracted international high-net-worth buyers who value the combination of walkability, historic character, and proximity to the University of Texas at Austin. British, Australian, Canadian, and European high-net-worth buyers with academic and creative connections are well-represented in these neighbourhoods.

Part Two: Dallas — Energy, Finance, and International High-Net-Worth Capital

Highland Park and University Park

Highland Park and University Park, the incorporated municipalities within Dallas County known collectively as the Park Cities, represent the most established and most exclusive residential communities in North Texas. The combination of the most sought-after independent school district in Texas, a community of multi-generational Texas wealth, and an increasingly international high-net-worth buyer base has made the Park Cities one of the most consistently appreciated residential markets in the southern United States.

British and Canadian high-net-worth buyers with energy industry connections, Dallas is a global centre for the energy services industry, are among the most significant international buyer communities in Highland Park and University Park. Indian high-net-

worth technology and finance professionals who have relocated to Dallas from the coasts are a growing and significant buyer community. Mexican high-net-worth families, who have historically favoured Dallas as their preferred Texas base given the city's proximity to the Mexican border and its well-established Mexican-American business community, are among the most consistent international buyers in the Park Cities. Israeli high-net-worth business families are consistently represented.

Preston Hollow

Preston Hollow — the established estate neighbourhood north of the Park Cities, is home to Dallas's most significant residential holdings, with estate properties on multiple acres representing some of the most valuable residential real estate in Texas. Middle Eastern high-net-worth principals and family offices have established significant Preston Hollow positions. Latin American high-net-worth families: Colombian, Venezuelan, Mexican, are well-represented. Canadian and British high-net-worth buyers are present throughout.

Uptown Dallas

Uptown Dallas, the dense, walkable urban neighbourhood immediately north of downtown, has attracted a younger, more internationally diverse high-net-worth buyer community including British, Australian, Canadian, and European professionals who value the urban lifestyle and the proximity to Dallas's financial district.

Part Three: Houston — Energy Capital of the World

River Oaks

River Oaks, Houston's most established and most prestigious residential neighbourhood, has attracted a deeply international high-net-worth buyer community that reflects Houston's position as the global capital of the energy industry. Energy industry executives and business owners from the United Kingdom, Canada, Australia, Norway, Brazil, Colombia, Saudi Arabia, and across the Middle East have established River Oaks property positions that in many cases have been held for decades.

British high-net-worth energy industry executives and business owners are among the most historically significant international buyer communities in River Oaks, reflecting the long-established British presence in the global oil and gas industry centred on Houston. Canadian high-net-worth energy executives are consistently represented. Australian high-net-worth energy industry professionals, particularly those from Queensland's LNG industry who have Houston operations, are well-represented. Norwegian and Scandinavian high-net-worth energy industry buyers have maintained a consistent Houston presence. Colombian, Venezuelan, and Brazilian high-net-worth energy industry buyers are significant River Oaks property owners. Middle Eastern high-net-worth principals: Saudi Arabian, Emirati, Kuwaiti, have established significant

River Oaks positions reflecting the energy industry connections between Texas and the Gulf states.

The Memorial Villages and Tanglewood

The Memorial Villages, a collection of small, incorporated municipalities west of Houston's Galleria, and the adjacent Tanglewood neighbourhood offer a combination of Houston's established residential quality with the privacy of incorporated community governance. British, Canadian, Indian, and Latin American high-net-worth energy and healthcare industry professionals are well-represented throughout these communities.

Part Four: San Antonio

San Antonio's premium residential market, the Alamo Heights community, the Terrell Hills neighbourhood, and the luxury properties of the Hill Country immediately north of the city, has attracted a consistent international high-net-worth buyer base including Mexican high-net-worth families who value San Antonio's proximity to the Mexican border and its cultural connections to Mexico, and military-connected international high-net-worth buyers given San Antonio's extraordinary concentration of US military installations.

The Texas Equity Release Barrier

International high-net-worth owners of Texas real estate face the same fundamental barriers as all internationally mobile US property owners: no US credit history, foreign income in formats that US underwriters cannot assess, and offshore or domestic holding structures that conventional US lenders will not accommodate.

Texas-specific considerations include the energy industry income complexity, many international high-net-worth Texas property owners have income structures that combine US and international energy industry components in ways that standard US mortgage underwriting cannot handle — and the Mexican and Latin American holding structure complexity that affects a significant proportion of the state's international high-net-worth buyer community.

GMG's Texas Equity Release Solution

Loan size: USD 500,000 to USD 100,000,000+.
Term: 6 to 24 months.
LTV: Up to 65–70% of independently appraised Texas market value.
Interest: Retained or rolled up — no monthly payment obligation.
Security: Austin, Dallas, Houston, San Antonio, and all major Texas premium residential markets.
Borrower: British, Canadian, Indian, Mexican, Colombian, Venezuelan, Brazilian, Israeli, Australian, Middle Eastern, Chinese, Hong Kong, Korean, German, French, Norwegian, and all international high-net-worth foreign nationals; Cayman, Mexican, and Latin American holding companies; US LLCs and family trusts.
No SSN, no US credit history, no US income documentation required. Learn more here.
Timeline: Indicative equity release term sheet 24–48 hours; drawdown 10–20 business days.

Contact Donald Klip

Email: [email protected]
Phone: +65 9773-0273
Website: gmg.asia
America Mortgages: americamortgages.com

Continue reading the Unlocked in America series at gmg.asia.

UNLOCKED IN AMERICA: Swiss EAM and IAM Referral Partner Guide — US Real Estate Equity Release for Your High-Net-Worth Clients

Post author By Donald Klip
Post date April 22, 2026

Swiss EAM IAM independent asset manager US property equity release referral FinSA

The US Real Estate Equity Release Solution for Swiss External Asset Managers, Independent Asset Managers, and Private Banking Professionals, and the Referral Partnership That Rewards You for Solving Your Clients' Most Persistent Cross-Border Financing Problem

Für Schweizer externe Vermögensverwalter, unabhängige Vermögensverwalter, und Privatbankiers, die Lösung für US-Immobilien-Eigenkapitalfreisetzung, die Ihre internationalen Kunden benötigen

Pour les gérants de fortune indépendants suisses, les gestionnaires d'actifs externes et les professionnels de la banque privée — la solution de libération de capitaux immobiliers américains dont vos clients internationaux ont besoin

Switzerland manages more internationally mobile high-net-worth wealth than any other country in the world. The Swiss wealth management ecosystem, from the major private banks in Zurich and Geneva to the thousands of licensed external asset managers and independent asset managers operating across Switzerland's financial centres, serves a client base that is uniquely globally diversified, uniquely sophisticated, and uniquely positioned to have accumulated significant US real estate equity alongside their broader international investment portfolios.

And within that client base, there is a problem that every Swiss external asset manager, independent asset manager, and private banking professional encounters with a consistency that makes it one of the most persistent and most frustrating gaps in the Swiss wealth management service offering: the client who owns significant US real estate, needs to release equity from that property, and finds that neither the Swiss private banking system nor the American lending system can serve them efficiently and without unacceptable conditions.

The Swiss private bank imposes an AUM condition, requiring the client to consolidate investment assets as the price of cross-border lending. The US bank requires a Social Security Number, a FICO credit score, and US-format income documentation that the Swiss client simply does not have. The client is trapped between two systems that were not designed for their situation. And the Swiss EAM, IAM, or private banking relationship manager, who knows the client, understands their financial position, and wants to solve the problem, has no solution to offer.

Global Mortgage Group is that solution. And this article explains how Swiss wealth management professionals can deliver it to their clients, and earn a competitive referral fee for doing so.

This guide is designed to reach the full breadth of Switzerland’s professional wealth management community, from FINMA-licensed independent asset managers in Geneva and Zurich to private banking teams across Basel, Bern, Lugano, and Lausanne.

The Swiss Wealth Management Ecosystem and the US Real Estate Problem

Switzerland's wealth management landscape is one of the most diverse and most professionally sophisticated of any country in the world. It is also one of the most systematically affected by the US real estate equity release gap, because Switzerland's client base is disproportionately international, disproportionately mobile, and disproportionately likely to hold US real estate as a component of a globally diversified high-net-worth portfolio.

The Swiss private banking community: the major institutions

The major Swiss private banks: UBS Private Banking, Julius Baer, Pictet & Cie, Lombard Odier, Vontobel, EFG International, Union Bancaire Privée, Mirabaud, Edmond de Rothschild Suisse, Banque Syz, Reyl & Cie, Piguet Galland & Cie, Gonet & Cie, Bordier & Cie, Compagnie Lombard Odier, and their peers, collectively manage trillions of Swiss francs in client assets for internationally mobile high-net-worth individuals from across Europe, Asia, the Middle East, Latin America, and beyond.

These institutions have a consistent and well-documented approach to cross-border lending against US real estate: they will consider it, but almost universally subject to the AUM condition, the requirement that the client consolidate a significant portion of their investment assets with the lending bank as a condition of the cross-border mortgage facility.

For clients who accept the AUM condition, the major Swiss private banks can provide a solution. But a significant proportion of Swiss private bank clients, particularly those with established investment management relationships outside the lending bank, those with complex multi-bank or multi-manager structures, and those whose investment philosophy favours diversification of manager relationships — will not accept the AUM condition. These clients need an alternative. GMG is that alternative.

The external asset manager and independent asset manager community: Switzerland's most important referral source

Switzerland's external asset manager (EAM) and independent asset manager (IAM) community, also known as Externe Vermögensverwalter

(EVV) or Gérants de Fortune Indépendants (GFI) in the Swiss regulatory framework, is the most important and most underutilised referral source for US real estate equity release in the world.

Since the implementation of FINMA's new licensing regime under the Financial Services Act (FinSA — Finanzdienstleistungsgesetz, FinDG) and the Financial Institutions Act (FinIA — Finanzinstitutsgesetz, FIAG) from 1 January 2023, Switzerland's independent asset managers have been required to obtain FINMA licensing, implement comprehensive compliance frameworks, and operate under ongoing prudential supervision. This regulatory modernisation has produced a community of approximately 2,000 to 3,000 licensed and regulated independent asset managers, firms ranging from boutique two-person operations to substantial multi-portfolio managers with billions of CHF in assets under management — who collectively represent one of the most significant concentrations of internationally mobile high-net-worth client relationships in the world.

The Swiss EAM and IAM community has several characteristics that make it the ideal referral partner for GMG's US real estate equity release programme:

Client base alignment: Swiss EAMs and IAMs serve precisely the client profile that GMG's equity release programme is designed for, internationally mobile, high-net-worth, globally diversified, with investment portfolios and real estate positions spanning multiple jurisdictions including the United States.

Product independence: Unlike private bank relationship managers who are constrained to offer only their employer's product shelf, Swiss EAMs and IAMs are actively seeking specialist solutions they can bring to clients. An EAM that can offer US real estate equity release, through a trusted specialist partner, differentiates itself from competitors who cannot.

No AUM competition: Swiss EAMs and IAMs typically custody client assets at one or more Swiss private banks: Pictet, Lombard Odier, Julius Baer, UBS, and others are the most common EAM custodians. They do not compete with GMG for AUM because they are themselves not custodians. The referral relationship is structurally non-competitive.

Regulatory framework: FINMA-licensed Swiss EAMs and IAMs operate under a regulatory framework that is compatible with the referral fee arrangements that GMG offers, subject to the client disclosure requirements under FinSA's inducement rules (Interessenkonflikte und Retrozessionen, Article 26 FinSA).

The cantonal bank private banking community

Switzerland's cantonal banks, Zürcher Kantonalbank (ZKB), Banque Cantonale de Genève (BCGE), Banque Cantonale Vaudoise (BCV), Basler Kantonalbank, Aargauische Kantonalbank, St. Galler Kantonalbank, Luzerner Kantonalbank, and their peers — serve a significant and often overlooked segment of the Swiss high-net-worth market. Cantonal bank private banking clients frequently have international investment portfolios and US real estate positions that the cantonal bank itself is not equipped to finance cross-border. GMG provides the cross-border financing capability that cantonal bank private bankers can offer to their internationally mobile clients.

Swiss family offices

Switzerland has the highest concentration of single family offices per capita of any country, with Geneva and Zurich particularly dense with family offices managing generational wealth for Swiss, European, Middle Eastern, and Asian ultra-high-net-worth families. Swiss family offices whose investment mandates include US real estate frequently encounter the equity release gap when the family needs capital against a US property position. GMG's equity release programme, combined with our understanding of the offshore trust and foundation structures that Swiss family offices commonly use, makes us the natural financing partner for the Swiss family office community.

Swiss fiduciaries and Treuhänder

Switzerland's fiduciary professional community, the Treuhänder firms that administer trust and foundation structures, manage international estate planning mandates, and advise on cross-border wealth structuring, frequently manages client structures that hold US real estate. The Swiss Treuhänder who identifies a client trust or foundation holding US real estate where the beneficial owner needs capital is a natural GMG referral source.

Swiss law firms and tax advisors

Swiss law firms and tax advisors with international wealth management practices, particularly those in Geneva and Zurich who advise on US cross-border tax, international estate planning, and the legal structuring of US real estate holdings, are consistent sources of US real estate equity release referrals. The Swiss tax advisor who is helping a client optimise the holding structure for a US property is the same advisor who will be asked whether equity release is possible against that property.

The Swiss High-Net-Worth Client's US Real Estate Equity Release Profile

Swiss wealth management professionals encounter the US real estate equity release situation in specific and recurring forms that reflect the characteristics of the Swiss high-net-worth client base.

The private banking AUM condition rejection

The most common Swiss EAM referral scenario: a client has approached one of the major Swiss private banks, or the client's existing private bank has offered cross-border lending against their US property, and the bank has imposed an AUM consolidation condition. The client has rejected the condition. The EAM or IAM who manages the client's investment portfolio is asked whether there is an alternative. GMG provides that alternative, with no AUM requirement, no AUM condition, and no interest in the client's investment portfolio.

The complex holding structure

The Swiss high-net-worth client's US real estate is held through a structure, a Liechtenstein Anstalt or Stiftung, a BVI company, a Cayman trust, a Jersey discretionary trust, a Luxembourg SOPARFI, or a combination of these — that the Swiss private bank will not lend against or that adds complexity that the bank's compliance team uses as a reason to decline. GMG lends against these structures, subject to beneficial ownership due diligence.

The undeclared or low declared personal income

The Swiss high-net-worth client holds wealth primarily through a Swiss AG, GmbH, or Familiengesellschaft holding company structure. Their declared personal income — on the Swiss Steuererklärung, is modest relative to their actual economic capacity. US mortgage underwriters who assess only the personal income produce a loan amount that is entirely disconnected from the client's actual wealth. GMG's asset-led assessment looks at the property value and the exit strategy — not the Steuererklärung.

The long-held appreciation

The Swiss high-net-worth client purchased US real estate — in Aspen, in Manhattan, in Miami, in Los Angeles — in the 1990s or early 2000s, frequently during periods when the Swiss franc was strong against the dollar, at prices that now seem historically low. The property has appreciated dramatically and the equity has never been released. The Swiss EAM who identifies this situation and introduces the client to GMG delivers genuine and material value.

FinSA Compliance and the Swiss Referral Fee Framework

Swiss EAMs, IAMs, and private banking professionals operating under FINMA licensing are subject to the Financial Services Act (FinSA) inducement rules — specifically the requirement under Article 26 FinSA to disclose and, in most cases, pass on to clients any inducements (Retrozessionen) received from third-party financial service providers.

GMG's referral fee arrangement is structured to support Swiss wealth management professionals' compliance with their FinSA obligations. The formal GMG Referral Partner Agreement — provided to all Swiss referral partners — includes the disclosure language and the fee documentation that the Swiss EAM or IAM needs to comply with their FinSA inducement disclosure requirements.

GMG does not provide legal or compliance advice on FinSA obligations. Swiss EAMs and IAMs should discuss their specific FinSA compliance requirements with their compliance officer or external legal counsel before entering into a referral arrangement.

Key points for Swiss EAMs and IAMs:

FinSA Article 26 requires disclosure: The referral fee must be disclosed to the end client, the amount, the payer, and the basis of calculation, unless the client expressly waives the right to receive the fee.

Referral fees may be retained or passed on: Swiss EAMs and IAMs may retain the referral fee if they comply with the disclosure requirements. If the client does not waive receipt, the fee must be passed on to the client.

GMG provides the documentation: The GMG Referral Partner Agreement and the referral fee confirmation documentation are structured to support the Swiss EAM's FinSA compliance requirements.

FINMA-licensed EAMs and IAMs only: GMG's Swiss referral partner arrangements are available only to firms that hold a valid FINMA licence as an asset manager under FinIA or that are otherwise authorised to provide financial services under Swiss law.

The GMG Equity Release Product: What You Can Offer Your Swiss Clients

Equity release against US residential and commercial real estate:

Loan size: USD 500,000 to USD 100,000,000+
Term: 6 to 24 months
LTV: Up to 65–70% of independently appraised US market value
Interest: Retained or rolled up — no monthly payment obligation
No AUM condition — no requirement to move or pledge investment assets
No US credit history required — no Social Security Number required
Swiss franc, euro, and multi-currency income considered within asset-led assessment
Swiss AG, GmbH, and Familiengesellschaft corporate structures — accommodated without restructuring
Liechtenstein Anstalt, Stiftung — specialist legal assessment provided
BVI companies, Cayman trusts, Jersey trusts, Luxembourg SOPARFIs — all considered
Security: Aspen (highest Swiss buyer concentration), Manhattan, Miami, Los Angeles, Hawaii, and all major US premium markets with significant Swiss high-net-worth ownership
Timeline: Indicative term sheet 24–48 hours; drawdown 10–20 business days

America Mortgages long-term products for Swiss clients who want permanent US financing:

Foreign National Mortgage, long-term US mortgage for Swiss nationals assessed on Swiss income
DSCR Mortgage — investment property mortgage assessed on US rental income
EXPat Mortgage — for Swiss-American dual nationals living in Switzerland

All products available across all 50 US states.

Contact Donald Klip — Establishing a Swiss Referral Partner Relationship

If you are a Swiss external asset manager, independent asset manager, private banker, fiduciary professional, family office advisor, or legal or tax professional who serves internationally mobile high-net-worth clients with US real estate positions and you want to discuss a referral partnership with GMG, contact Donald Klip directly.

Email: [email protected]
Phone: +65 9773-0273
Website: gmg.asia
America Mortgages: americamortgages.com

To receive the GMG Referral Partner Agreement, including the FinSA-compatible disclosure documentation, email [email protected] with the subject line "Swiss Referral Partner Enquiry" and a brief description of your firm, your FINMA licence type, and your client base.

To discuss a specific client situation on a no-names basis before making a formal introduction, call or email Donald Klip directly. We provide preliminary feasibility assessments for specific client situations without requiring client identification.

GMG is headquartered in Singapore and is available for video conference meetings with Swiss wealth management professionals at any time convenient to the CET time zone. In-person meetings in Switzerland can be arranged on request.

UNLOCKED IN AMERICA: Partner With GMG — The Global Professional Intermediary Programme for US Mortgage and Equity Release

Post author By Donald Klip
Post date April 22, 2026

GMG referral partner private banker wealth advisor US property equity release fee

The Equity Release Solution Your International High-Net-Worth Clients With US Real Estate Have Been Waiting For, and the Referral Relationship That Rewards You for Making the Introduction

How private bankers, wealth advisors, external asset managers, independent asset managers, family office advisors, real estate agents, immigration attorneys, corporate services firms, and all professional intermediaries who serve internationally mobile high-net-worth clients can solve one of the most consistent and most financially significant gaps in their service offering, and earn a competitive referral fee for every client they introduce to Global Mortgage Group

You have a client. They are internationally mobile, high-net-worth, and financially sophisticated. They own real estate in the United States: in New York, Los Angeles, Miami, Aspen, Hawaii, or another premium American market. The property has appreciated significantly. The equity is real and substantial, USD 2 million, USD 5 million, USD 10 million or more. And they need capital.

They have asked you, their trusted advisor, whether there is a way to access that equity without selling the property. Without moving their investments to a bank that has imposed an AUM condition as the price of lending. Without the American banking system telling them they do not qualify because they do not have a Social Security Number and their income is in the wrong currency.

Until now, your honest answer has been: not really. The US banks cannot serve them. Their home country private bank wants AUM. The conventional cross-border mortgage market has no product that works for their situation.

Global Mortgage Group changes that answer. And we want to work with you to deliver it to your clients.

This is the GMG Professional Intermediary Partner guide, for every professional who serves internationally mobile high-net-worth clients and who wants to add US real estate equity release to their service capability.

The Problem Your Clients Have — and Why You Have Not Been Able to Solve It

The international high-net-worth owner of US real estate faces a financing gap that is structural, consistent, and widely experienced across every private banking market in the world. It is not unique to any nationality, any income level, or any property market. It affects British families with Hamptons estates, Chinese business dynasties with Beverly Hills homes, Swiss high-net-worth investors with Aspen properties, Brazilian families with Fisher Island apartments, and Indian technology founders with Silicon Valley residences, equally and consistently.

The gap exists because the American mortgage and home equity lending system was built for one borrower profile and one borrower profile only: the domestic American resident with a Social Security Number, a W-2 income from a US employer, and a FICO credit score. Every internationally mobile high-net-worth property owner — regardless of their global wealth, their professional standing, or their decades of US property ownership — falls outside that profile. And when they fall outside that profile, the American system has no framework for serving them.

Their home country private bank faces the same challenge from the other direction. British private banks: Coutts, Barclays Private Bank, HSBC Private Bank, will lend against US real estate but only if the client consolidates substantial AUM as a condition of the facility. Swiss private banks — UBS, Julius Baer, Pictet, Lombard Odier, and hundreds of independent Swiss asset managers — apply the same AUM condition. The client rejects the condition. The conversation ends.

The result: a generation of internationally mobile high-net-worth individuals sitting on USD 1 million, USD 5 million, USD 20 million of US real estate equity that they cannot access — and a generation of private bankers, wealth advisors, and family office professionals who cannot solve this problem for their clients.

Global Mortgage Group solves it. And we want you to be the advisor who delivers that solution.

What GMG Does and Why We Are Not Your Competition

This is the most important point in this article for professional intermediaries who are considering a referral relationship with GMG, so we will state it as clearly as possible.

GMG is a specialist international property finance firm. We provide equity release facilities and long-term mortgage products against US real estate for internationally mobile high-net-worth borrowers. That is what we do. It is the entirety of what we do.

We do not manage investment portfolios. We do not offer wealth management services. We do not provide financial planning, investment advice, or asset allocation services. We do not compete for AUM. We do not have a private banking capability. We do not offer insurance, structured products, foreign exchange, or any other financial product beyond property finance.

When you introduce a client to GMG, you are introducing them to a specialist who will solve one specific financing problem and then step back. The client's investment portfolio, wealth management relationship, estate planning structure, and broader advisory relationship remain entirely with you. GMG does not use the financing introduction as a platform to expand into the client's broader financial life.

We complement your service offering. We do not compete with it.

This non-competition positioning is the foundation of every GMG referral relationship. We understand that your client relationships are built on trust, years of service, and deep personal knowledge. We have no interest in disrupting those relationships. We have every interest in making you more valuable to your clients by giving you a solution that you previously could not offer.

How the GMG Referral Relationship Works

The referral process is designed to be simple, professional, and efficient, requiring minimal time from you while delivering a complete solution for your client.

Step 1 — You identify a client situation

A client mentions that they need capital and have significant equity in their US property. Or you are reviewing a client's asset position and identify that their US real estate equity is the most efficient capital source for a specific need. Or a client asks whether there is any way to avoid selling their American property to meet a capital requirement. You recognise the situation as one that GMG can address.

Step 2 — You make the introduction

You introduce the client to Donald Klip at GMG, by email, by phone, or in person if you and your client are in Singapore or another location where GMG has a presence. The introduction is simple: "I have a client who owns US real estate and wants to explore equity release, can you speak with them?" GMG handles everything from that point.

Step 3 — GMG engages directly with the client

GMG conducts an initial consultation with the client, gathering the basic property details, understanding the capital need, and providing an indicative view of whether equity release is feasible. You are welcome to be present for this conversation or to leave it entirely to GMG, whichever works best for your client relationship.

Step 4 — GMG issues an indicative term sheet

Within 24 to 48 hours of receiving the basic property information, GMG issues an indicative equity release term sheet to the client. The term sheet sets out the proposed loan amount, the LTV, the interest rate, the term, and the key conditions. The client reviews the term sheet, with your guidance if appropriate.

Step 5 — If the client proceeds, GMG manages the full process

GMG manages the valuation, the legal assessment, the beneficial ownership due diligence, the AML compliance, and the drawdown, from term sheet to funds in the client's account typically in 10 to 20 business days for standard structures.

Step 6 — GMG pays you a competitive referral fee on drawdown

On the successful drawdown of the equity release facility, GMG pays the referring intermediary a competitive referral fee calculated as a percentage of the loan amount. The fee is paid to the referring firm or entity, not to the individual advisor personally, consistent with the regulatory frameworks applicable in most jurisdictions. The referral fee is documented in a formal GMG Referral Partner Agreement that sets out the fee terms, the compliance obligations of both parties, and the payment mechanics.

The Referral Fee

GMG pays a competitive referral fee on every successfully drawn equity release facility introduced by a registered referral partner.

The fee is paid on drawdown, not on application, not on term sheet, and not on credit approval. The referral partner earns the fee only when the facility is successfully completed and the client has received their funds. This aligns the referral partner's interest with GMG's and with the client's, everyone benefits from a successful outcome.

The fee is paid to the referring firm or entity, the private bank, the wealth management company, the independent asset management firm, the family office, the law firm, or the corporate services provider, in accordance with the regulatory framework applicable to that firm's jurisdiction and licence type.

The formal GMG Referral Partner Agreement, a straightforward document that sets out the referral fee terms, the compliance obligations, and the payment process, is provided to all registered referral partners before the first introduction is made. The agreement is designed to support the referring firm's compliance with its applicable regulatory obligations, including client disclosure requirements in regulated markets such as Switzerland (FinSA/FinIA), Singapore (MAS), the United Kingdom (FCA), Hong Kong (SFC), and Australia (ASIC).

To discuss the referral fee structure and to receive the GMG Referral Partner Agreement, contact Donald Klip at [email protected].

The Client Situations Where GMG Can Help: A Quick Reference Guide for Advisors

The following scenarios are the most consistent equity release situations that GMG encounters across its international high-net-worth client base. Use this as a quick reference when reviewing your client portfolio for GMG referral opportunities.

The AUM condition client

Your client has approached their private bank: Swiss, British, European, or Asian, for equity release against their US property. The bank has offered to lend but requires AUM consolidation as a condition. The client has rejected the condition. GMG provides the same equity release facility with no AUM requirement.

The foreign national with no US credit history

Your client owns significant US real estate but has never lived in the United States, has no Social Security Number, no FICO credit score, and income earned entirely outside America. The US lending system cannot process their application. GMG's asset-led assessment requires none of these.

The offshore structure holder

Your client's US property is held through a BVI company, a Cayman trust, a Jersey discretionary trust, a Liechtenstein Anstalt, a Panama SA, a Hong Kong limited company, or another offshore vehicle. The conventional US equity release market will not lend against the structure. GMG lends against it, subject to beneficial ownership due diligence.

The complex income borrower

Your client's income, whether from a Chinese manufacturing business, a German family holding company, a French SCI, a Swiss AG, a Middle Eastern family office, or a combination of corporate and investment income across multiple jurisdictions, cannot be assessed by conventional US mortgage underwriting. GMG's asset-led assessment does not require income to conform to US mortgage documentation standards.

The retired or semi-retired high-net-worth client

Your client has retired or reduced their active income, and the conventional US home equity lending system's debt-to-income assessment produces a loan amount that is entirely disconnected from their actual net worth and the value of their US property. GMG's retained interest structure, which requires no monthly repayment and is assessed on property value and exit strategy rather than income, is the natural solution.

The time-sensitive opportunity

Your client has identified an investment opportunity, a property acquisition, or a business need that requires capital within two to four weeks, a timeline that the conventional US equity release process cannot meet. GMG's 24 to 48 hour term sheet and 10 to 20 business day drawdown timeline can meet this need.

The off-plan completion client

Your client purchased a US branded residence or luxury condominium off-plan and has received a completion payment notice with a 30 to 60 day deadline. GMG's equity release against an existing US property provides the completion capital within the developer's timeline.

The 1031 exchange bridge

Your client is executing a 1031 like-kind exchange and needs bridge capital to complete the replacement property acquisition within the 45-day identification and 180-day closing timeline. GMG's equity release against an existing US property provides the bridge.

Who Can Become a GMG Referral Partner

GMG works with professional intermediaries across every discipline and every jurisdiction who serve internationally mobile high-net-worth clients with US real estate positions. Our referral partner community includes:

Private banks and private banking relationship managers: The major international private banks and their relationship managers in Switzerland, Singapore, Hong Kong, Dubai, London, and all major financial centres. GMG's referral relationship specifically addresses the AUM condition gap, giving private banking relationship managers a solution for clients who reject the AUM condition.

External asset managers and independent asset managers: EAMs and IAMs in Switzerland, Singapore, Hong Kong, Luxembourg, and other financial centres who manage client portfolios on a discretionary or advisory basis and who want to add US property equity release to their client service capability.

Multi-family offices and single-family office investment teams: Family offices managing portfolios that include US real estate positions, for whom GMG provides the specialist financing component of the overall portfolio management mandate.

Independent financial advisors and wealth managers: IFAs and wealth managers in regulated markets including Singapore, Hong Kong, Australia, the United Kingdom, and the UAE who serve internationally mobile high-net-worth clients.

Real estate agents and brokers: US and international real estate professionals who work with international high-net-worth buyers in American markets, and who can introduce existing US property owners to GMG's equity release programme.

Immigration attorneys and US visa advisors: Legal professionals who work with EB-5 investors, E-2 visa holders, and other internationally mobile individuals who have US property as a component of their US immigration strategy.

International tax advisors: Tax professionals who advise on US real estate ownership structures and who identify client situations where equity release is more tax-efficient than a property sale.

Corporate services firms, trust companies, and law firms: Professional services firms in offshore financial centres who manage client structures holding US real estate, already addressed in the Unlocked in America: Offshore Structures guide, but equally relevant here as referral partners.

US-based real estate attorneys: American legal professionals who work with international high-net-worth buyers on US property acquisition and who maintain ongoing relationships with their internationally mobile clients.

Relocation specialists and international HR advisors: Professionals who assist internationally mobile executives and their families in establishing US property positions and who maintain ongoing relationships with those clients as their US real estate equity grows.

The GMG Product Suite: What You Can Offer Your Clients

Through GMG and America Mortgages, you can offer your internationally mobile high-net-worth clients the following US property finance solutions:

Equity release, the core GMG product

Senior secured equity release facilities against US residential and commercial real estate for international high-net-worth foreign nationals, non-US residents, US expatriates, and offshore structure holders. Assessed on property value and exit strategy.

Loan size: USD 500,000 to USD 100,000,000+
Term: 6 to 24 months
LTV: Up to 65–70% of independently appraised US market value
Interest: Retained or rolled up — no monthly payment obligation
Timeline: Term sheet 24–48 hours; drawdown 10–20 business days

America Mortgages long-term products, for clients who want permanent US financing

Foreign National Mortgage: Long-term US mortgage for non-US citizens and non-residents assessed on foreign income, available across all 50 US states

DSCR Mortgage: Investment property mortgage assessed on rental income rather than personal income, ideal for internationally mobile investors with US rental properties

Expat Mortgage: Long-term US mortgage for US citizens living and working abroad whose foreign income makes conventional US mortgage qualification impossible

All America Mortgages products are available across all 50 US states and are specifically designed for the internationally mobile high-net-worth borrower.

Contact Donald Klip, and Become a GMG Referral Partner

If you are a professional intermediary who serves internationally mobile high-net-worth clients with US real estate positions and you want to discuss a referral partnership with GMG, contact Donald Klip directly.

Email: [email protected]
Phone: +65 9773-0273
Website: gmg.asia
America Mortgages: americamortgages.com

To receive the GMG Referral Partner Agreement and to discuss the referral fee structure, email [email protected] with the subject line "Referral Partner Enquiry" and a brief description of your firm and your client base.

To discuss a specific client situation on a no-names basis before making a formal introduction, call or email Donald Klip directly. We are happy to give you a preliminary view of whether equity release is feasible for a specific client situation before you introduce the client formally.

GMG is headquartered in Singapore and operates across 23 jurisdictions. We are available for in-person meetings in Singapore and across the Asia-Pacific region, and by video conference for intermediaries in Europe, the Middle East, the Americas, and beyond.