Madel Tan
Head of Singapore Bridging Loans, GMG
What Is a Singapore Bridging Loan?
A bridging loan is a short-term, asset-based financing solution that lets you unlock your property’s value for quick capital.
Unlike bank mortgages that rely on income proof and TDSR limits, bridging loans are approved based on property value and exit strategy — not paperwork.
✅ No TDSR or CPF requirements
✅ No income or age restrictions
✅ Approval in 24–48 hours
✅ Funding in 5–10 days
Perfect for homeowners, investors, and developers who need speed and certainty.
Why Choose a GMG Bridging Loan
| Advantage | GMG Bridging Loan | Traditional Bank Mortgage |
|---|---|---|
| Speed | Approval in 24–48 hrs | 4–8 weeks to process |
| LTV | Up to 80% of property value | Typically 60% or less |
| Eligibility | Based on asset value + exit plan | Requires income proof + TDSR |
GMG bridging loans are designed for those who value time — retirees, self-employed clients, and overseas buyers competing in Singapore’s fast-moving market.
Interest-only structure keeps monthly costs low while preserving cash flow. Principal is repaid at maturity through your exit strategy.
When to Use a Bridging Loan
Bridging loans are ideal whenever timing and liquidity matter most:
- Buy Before You Sell — Purchase your next home now, repay after your sale.
- Investment Opportunities — Close discounted deals fast.
- Property Development — Fund land acquisition or project completion.
- Business Capital or Refinance — Unlock equity for cash flow or debt consolidation.
Exit Strategies
Every bridging loan requires a clear exit plan — how you’ll repay the principal.
Common exits include:
- Property sale → Repay with proceeds.
- Refinance to bank loan → Move to long-term financing.
- Liquidity event → Business sale, inheritance, or en-bloc payout.
Eligible Properties
- Residential: Condominiums, landed homes, GCBs, shophouses
- Commercial & Industrial: Offices, warehouses, retail units
- Development Land: For construction or redevelopment
Approval is based on property value and market liquidity, not borrower income.
Example: Unlocking Opportunity Fast
You find a discounted condo but haven’t sold your current home.
A GMG bridging loan funds up to 80 % of the purchase price within days.
When your existing home sells, proceeds repay the loan — and you keep the new asset.
Frequently Asked Questions
Q: How fast is approval?
A: 24–48 hours with funding in 5–10 days.
Q: Do age or income matter?
A: No. Bridging loans are asset-based with no TDSR limits.
Q: What’s the minimum loan size?
A: S$500k, up to S$50m + for larger projects.
Q: How long is the term?
A: Typically 1–2 years with extension options.
Why GMG
- Singapore’s fastest bridging loan approval (24–48 hrs)
- High LTV up to 80% based on property value
- No TDSR, no income proof, no age limit
- Low interest-only structure for maximum flexibility
- Personalized service from GMG’s Singapore finance team
Get Started Today
At GMG, we specialize in asset-based lending built for speed and certainty.
Whether you’re buying, developing, or refinancing, our Singapore bridging loans help you act fast with confidence.
1️⃣ Book a Free Consultation – Discuss your property and exit strategy.
2️⃣ Get a Loan Estimate – Preliminary LTV and cost breakdown within 24 hours.
3️⃣ Fund Your Property – Close in days, not months.
