Property Cashout Singapore

Unlock up to 90% of your Property Value

Your property is one of Singapore’s most valuable assets, and it doesn’t have to sit idle. At ThinkSME, we help Singapore SME owners use property cashout to release equity from their private residential, commercial, or industrial property and convert it into working capital for your business.

Property cashout in Singapore is one of the most flexible and cost-effective financing solutions available to SME owners.

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90% MAX LTV AVAILABLE
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Definition

What is Property Cashout in Singapore?

Property Cashout Singapore allows you to unlock the equity in your property without selling it. Through cash-out refinancing, you can access additional funds while continuing to own your residential, commercial, or industrial property.

Ideal for SME owners, property cashout provides lower interest rates, larger loan amounts, and flexible funding for business expansion, working capital, equipment purchases, or investment opportunities.

Example Calculation

If your commercial shophouse is valued at S$2,000,000 and you have an outstanding mortgage of S$900,000, you may be able to access up to S$900,000 in additional cash through a property cashout refinancing, without selling the property.

Formula: (S$2M × 90% LTV) − S$900K outstanding = S$900K cashout available

Property Cashout vs Traditional Mortgage Refinancing

Property Cashout
Standard Refinancing
Property Cashout

Purpose

Unlock your property’s equity to raise funds for business expansion, working capital, investments, or personal financial goals.

Standard Refinancing

Purpose

Refinance your existing mortgage to secure a lower interest rate or reduce monthly repayments.

Property Cashout

Cash Received

Receive additional cash by borrowing against your available property equity.

Standard Refinancing

Cash Received

No additional cash received. Your existing mortgage is simply replaced with a new loan.

Property Cashout

Loan Amount

Borrow up to 90% of your property’s valuation (subject to eligibility and lender assessment).

Standard Refinancing

Loan Amount

Limited to your existing outstanding mortgage balance.

Property Cashout

Interest Rate

Competitive secured financing rates, typically around 1.5%–3.5% p.a., depending on lender and profile.

Standard Refinancing

Interest Rate

Focused on obtaining the lowest available mortgage interest rate for your existing loan.

Property Cashout

Loan Tenure

Up to 15 years for business financing (subject to lender’s terms).

Standard Refinancing

Loan Tenure

Up to 30 years, depending on property type and borrower eligibility.

Property Cashout

Processing Time

Approval and disbursement can be completed in as fast as 1 week.

Standard Refinancing

Processing Time

Typically 4–12 weeks, depending on valuation and bank processing timelines.

Property Cashout

Financing Options

Access to 60+ banks, financial institutions, digital banks, and private lenders to secure the most suitable financing package.

Standard Refinancing

Financing Options

Usually limited to traditional local and international banks offering mortgage refinancing.

Property Cashout

Best For

Business owners and property investors who need additional capital while retaining property ownership.

Standard Refinancing

Best For

Homeowners looking to reduce mortgage costs without accessing additional funds.

Process

How Does Property Cashout Work in Singapore?

ThinkSME guides you through every step, from free consultation to cash in your account.

  1. Property Valuation

    A bank-appointed valuer determines your property’s market value and maximum loan amount.

    DAY 1

  2. Assess Equity

    We calculate: (Property Value x up to 90% LTV) minus outstanding balance = your available cashout.

    WITHIN 24 HRS

  3. Choose Lender

    ThinkSME compares 60+ banks and institutions to find your best rate, LTV, and terms.

    2 – 3 DAYS

  4. Submit Docs

    Provide the property address and documents. ThinkSME prepares and submits your full application.

    1 – 2 DAYS

  5. Approval & Drawdown

    We provide approval-in-principle quickly. Full approval and disbursement within 2–7 working days.

    2 – 7 DAYS

Eligible Property Types

Types of Property Eligible for Cashout in Singapore

ThinkSME works with all major private property types in Singapore for equity withdrawal.

Private Residential

Up to 85%

Condominium, Landed, SOHO

Commercial Property

Up to 75%

Shophouse, Retail, Office unit

Industrial Property

Up to 75%

B1/B2 Factory, Warehouse, Ramp-up

Mixed-Use

Up to 80%

Heritage shophouse, HDB shophouse, Mixed retail-resi

Why Use Property Cashout

Key Benefits of Property Cashout for Singapore SMEs

  • Lower Interest Rates (Bank Rates)

    Secured property loans carry rates from 1%+ p.a. vs 4–5% p.a. for unsecured SME loans, significantly reducing your cost of capital.

  • Large Loan Quantum

    Access S$200,000 to S$10,000,000+ depending on property value, far exceeding unsecured business loan limits.

  • No Restriction on Use of Funds

    Unlike government SME loans, cashout proceeds can be used for any business purpose, inventory, payroll, renovation, expansion, investment.

  • Retain Property Ownership

    You continue to own and benefit from your property’s appreciation, while putting its equity to productive use today.

  • Flexible Repayment Tenures

    Loan tenures of up to 25–30 years mean manageable monthly repayments suited to your cash flow.

Am I Eligible?

Eligibility Requirements for Property Cashout in Singapore

Here’s what you typically need. ThinkSME assesses your specific situation for free within 24 hours.

General Eligibility Criteria

  • Property owner (individual or company-owned property accepted)
  • Singapore Citizen, Permanent Resident, or Foreign National (terms vary)
  • Property free from legal encumbrances or active disputes
  • Minimum property value of S$500,000 (most lenders)
  • Property must have sufficient equity above outstanding loans
  • Personal name: comply with MAS TDSR cap of 55% of gross income
  • Company name: TDSR does not apply, significantly more flexible
Why ThinkSME

Why Choose ThinkSME for Property Cashout in Singapore?

  • Access to 60+ Banks & Financial Institutions

    Best rate guaranteed, we compare across the entire market so you never overpay.

  • Dedicated Property Cashout Advisors

    Expert guidance tailored to your property type and business goals, not generic advice.

  • Full In-House Corporate Services

    We handle your accounting, secretarial, and grants while securing your loan.

  • Free Eligibility Assessment within 24 Hours

    Know your options before committing to anything, zero cost, zero obligation.

  • Grant Advisory Integration

    Maximise EDGE grants alongside your cashout strategy.

Common Questions

Questions Property Cashout Singapore

What is property cashout in Singapore?
Property cashout in Singapore is the process of borrowing against the equity of a property you already own. Instead of selling the property, you take out a new loan (or top-up an existing mortgage) secured against the property’s value and receive the difference in cash. This cash can be used for any purpose, including funding your business operations, expansion, or investment.
Can I use my HDB flat for cashout refinancing in Singapore?
No. Property cashout (an equity loan) is only available for private residential, commercial and industrial properties, and HDB flats can’t be used as collateral for it. If you own a private property, or your company owns a commercial or industrial unit, we can assess how much equity you can release.
How much can I borrow through property cashout in Singapore?
Lenders take the property’s current valuation, multiply it by the loan-to-value (LTV) limit that applies to you, and subtract the loan you still owe. For eligible properties the LTV can go up to 90%. For example, a S$2,000,000 shophouse at 90% LTV with S$900,000 outstanding releases about S$900,000. The actual limit depends on the property type, whether you borrow personally or through your company, regulatory caps such as MAS’s Total Debt Servicing Ratio, and your repayment capacity.
What is the interest rate for property cashout loans in Singapore?
Because the loan is secured by property, rates are lower than unsecured business loans, typically around 1.5%–3.5% p.a. Your rate depends on the lender, the property type, the loan amount and whether you choose a fixed or floating package. We compare 60+ banks and lenders to find you the best combination of rate, LTV and terms.
How long does property cashout approval take in Singapore?
Approval typically takes 1–7 days once the lender has your documents and the property valuation. The legal work and disbursement follow after you accept the offer, and the full timeline depends on the lender and whether an existing mortgage needs to be redeemed.
Can I use property cashout proceeds for my business?
Yes. Most of our clients use the cash for working capital, expansion, equipment, or to refinance more expensive business debt. Some lenders ask what the funds are for, so we structure the facility and the paperwork around your plans from the start.

Ready to Unlock Your Property's Equity?

Get a FREE, no-obligation property cashout assessment from ThinkSME today.

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