Turn your home vision into reality with structured renovation loan plans that give you clarity, control and confidence – so you can build beautifully without overspending.
Get the right loan size for your renovation needs without over-stretching your budget.
Clear costs and flexible tenures - no hidden fees or surprises.
Loan disbursed straight to approved contractors, ensuring funds are used as planned.
We help you review quotes, prioritise works, and manage payments confidently.
A renovation loan is ideal for upgrading, refurbishing or transforming your property, including:
Subject to your quotation and project scope, our loan is designed for the renovation works themselves — not for furnishings or purely decorative buy-outs.
Borrow up to a set multiple of your income for a manageable, right-sized loan.
Enjoy attractive interest rates based on your eligibility and loan terms.
Choose a repayment period that fits your cash flow and comfort.
Funds released via cashier’s orders, aligned with contractor milestones.
Optional checks ensure funds are used for approved renovation works.
Get special rates when you include sustainable upgrades in your project.
| Age | Usually between 21 and the bank’s upper age limit. |
| Minimum income | threshold |
| Property ownership | The property being renovated is either owned by the applicant or a related family member (spouse, child, parent or sibling). |
| Credit Approval Process | Credit and loan approval subject to bank’s assessment and your documentation. |
| Handing Fee | Deducted from the approved loan amount. |
| Insurance premium | Coverage in case of death or total permanent disability may be required. |
| Cashier’s order issuance fee | The first may be free; subsequent orders may incur a nominal fee. |
| Pre-payment or cancellation fees | If you repay early or cancel the loan, certain fees may apply. |
| Late payment fees | Applied if a scheduled instalment or interest payment is missed. |
Your objectives,
budget, timeline.
Clear pros & cons for each bank
Aligned to your goals, not a bank’s.
Paperwork done right, status updates included.
We stay reachable if you need help later.
You may borrow up to 6 times of your monthly income or S$30,000, whichever is lower. Please note that this is also subjected to approval based on your credit eligibility.
You may borrow up to 6 times of your monthly income or S$30,000, whichever is lower. Please note that this is also subjected to approval based on your credit eligibility.
You may borrow up to 6 times of your monthly income or S$30,000, whichever is lower. Please note that this is also subjected to approval based on your credit eligibility.
You may borrow up to 6 times of your monthly income or S$30,000, whichever is lower. Please note that this is also subjected to approval based on your credit eligibility.
You may borrow up to 6 times of your monthly income or S$30,000, whichever is lower. Please note that this is also subjected to approval based on your credit eligibility.
