Property-Backed Loans
Your property is one of your most valuable assets. Unlock its full potential with GB Helios property-backed loans.
A property-backed loan lets you use real estate as collateral to secure financing for business or investment needs. Because the loan is secured, it typically offers larger funding amounts and more competitive rates than unsecured options.
Loan size depends on your property’s valuation, existing liabilities, and lender criteria.
Whether you’re acquiring commercial space, refinancing, or unlocking equity, GB Helios structures business financing solutions in Singapore around your strategic goals.
Why Consider Property-Backed Financing?
Up to 80% Loan-to-Value
Leverage property value to secure higher loan amounts, subject to eligibility. Our competitive loan-to-value ratios enable you to acquire or refinance commercial assets with a reduced upfront investment. More capital stays in your hands, ready to support operations, expansion, or new opportunities.
Flexible Terms Structure
We recognise that every business has its own financial dynamics and strategic objectives. Our property-backed loans are designed with flexible term structures that can be tailored to your specific requirements.
Flexible Short-Term Commitment
We understand that business needs can change quickly, so we offer flexible short-term loan tenures, giving you the freedom to adapt your financing strategy.
Eligible Property Types for Property-backed Loans
Looking to purchase business properties?
Here are some of the property types we finance:
- Commercial / Office Buildings
- Shophouses
- Mixed-use Developments
Looking to refinance or cash out your property value?
Here are some of the property types we refinance:
- Private Residential Properties
- Commercial / Office Buildings
- Shophouses
- Mixed-use Developments
Typical Uses of Property-backed Loans in Singapore
Property-backed loans are often used for:
- Property purchases
- Loan refinancing
- Equity extraction
- Business expansion
- Debt consolidation
Unlock Funds with Cash-Out Refinancing
Cash out refinancing in Singapore is one of the most effective ways for businesses to convert the value locked in their real estate into working capital quickly, and without selling the asset.
It involves using your property as collateral to draw down funds for any business purpose. This allows you to unlock capital from an existing property without selling it by refinancing your current loan with a larger facility. After settling the outstanding balance, the remaining amount is disbursed as cash.
There are no restrictions on what you can use the funds for; some common usages are:
- Day-to-day operational funding
- Inventory or equipment purchases
- Debt refinancing and consolidation
- Business expansion or renovation
- Any other legitimate business purpose
Unlocking Asset Value
Here's how you can unlock the value of your assets and gain access to funding.
If your property is valued at $4 million and you took a mortgage loan of $2 million
With 80% Loan-to-value, you can refinance with a loan of $3.2 million
After clearing your outstanding mortgage, you get $1.2 million cash
If your property is valued at $4 million
With 80% Loan-to-value, you are eligible for a loan of up to $3.2 million
GB Helios offers an easy 4-step process to unlock property-based finance:
Step 1: Application
Reach out to our team through our contact form. Provide details about your business, property, and funding requirements. Both commercial and residential properties may serve as collateral.
Step 2: Property Valuation
We arrange an independent valuation of your property to determine its current market value. This forms the basis of your loan amount.
Step 3: Loan Approval
Your financial standing and property details are reviewed.
Step 4: Fund Disbursement
Once approved, funds are disbursed to your account. For refinancing, outstanding mortgages are settled first, and the remaining balance is released to you as cash.
Frequently Asked Questions About Property-Backed Loans
What are the key benefits of a property-backed loan?
Can I apply for property-backed finance if I already have an existing mortgage?
How is a property-backed loan different from a mortgage loan?
How can I start the application process with GB Helios?
Talk To Us
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Disclaimer: The information provided on this page is for general informational purposes only and does not constitute financial, legal, or professional advice. While we make every effort to ensure the content is accurate and up to date, GB Helios accepts no responsibility for any loss or liability that may arise from reliance on this information.