Bridging Financing
Short-term property purchase funding linked to a documented sale or repayment event. Both completion timing and the risk of delay need assessment.
Maximum amount
Varies by provider — contact us for an assessment
Indicative rate
Varies by provider — contact us for an assessment
Maximum tenure
Varies by provider — contact us for an assessment
Processing time
Varies by provider
These figures are a guide only. The actual amount, rate, tenure, fees and approval depend on the provider and your situation.
01
What can it be used for?
Residential property: homes and private investment
Private residential financing covers homes such as condominiums and landed properties. Home-loan rules, outstanding housing loans and eligible CPF usage matter. HDB has separate requirements; do not treat HDB cash-out or eligibility as equivalent to private housing.
Commercial property: offices, retail and mixed-use
Commercial premises are assessed on approved use, value, business or rental cashflow and the borrower. Non-residential tax and CPF treatment differ from home purchases. Mixed-use shophouses need their residential and commercial portions checked separately.
Industrial property: factories and warehouses
Industrial loans need a check of approved activity, remaining lease, valuation and any lessor consents. JTC-related requirements apply to the relevant lease, not to every property automatically. An industrial unit cannot simply be assessed using retail or residential rules.
What if sale proceeds arrive late?
A bridge must still be repaid under its agreed terms if a sale or longer-term loan is delayed. Check the completion schedule, net proceeds after outstanding debt and costs, and a fallback plan. Do not assume a provider will automatically extend the facility; extra costs and enforcement risk may arise.
02
What does it cost?
Provider interest and charges
Check whether the rate is annual or monthly, flat or reducing-balance, and whether repayments include principal. EIR, where published, is separate from the advertised rate. Allow for processing, upfront, annual, legal, valuation and early-settlement charges where applicable.
Loura service fee
Separate from provider charges; no fee is assumed in the estimate. Your adviser confirms whether a Loura fee applies and its amount before you decide to proceed. All provider charges must be confirmed in the offer.
Purchase budget, down payment and upfront costs
Your budget includes the purchase price not covered by the approved loan, stamp duty, legal and valuation costs, and provider fees. Residential purchases may allow eligible CPF usage and may attract ABSD; non-residential transactions may involve GST instead. Keep Loura's service fee separate. Confirm the property's classification and your own tax position with a solicitor before committing.
CPF: using CPF to buy a homeIRAS: property stamp dutyIRAS: real estate GST
Refinancing, equity release and bridging risks
Refinancing replaces an existing loan; repricing changes terms with the same lender. Equity release requests extra borrowing against accepted security, not automatic access to all paper equity. Bridging needs a credible repayment event and a plan if completion is delayed. Compare redemption penalties, fees and total repayment, and do not assume either savings or a completion date is guaranteed.
Bridging Financing Calculator
Interest-only illustration with principal due at the end; the actual repayment event must be assessed.
Financing period (months)
- Estimated monthly interest
- S$1,500
- Requested financing
- S$300,000
- Estimated interest (12 mths)
- S$18,000
- Total repayment including principal
- S$318,000
- Upfront fees
- S$0
- Net proceeds
- S$300,000
- Total estimated financing cost
- S$18,000
Rate basis
Monthly figure is interest only. Principal is due at the end; total repayment includes that principal. Upfront fees are paid separately or deducted, not added to the loan. This rate is not EIR.
Short-term and revolving facilities usually charge interest only on the amount drawn; the principal is repaid or renewed at the end. Actual structures vary by provider.
Illustrative monthly interest at 6.0% p.a.
| Amount | 6 mths | 12 mths | 24 mths |
|---|---|---|---|
| S$100,000 | S$500 | S$500 | S$500 |
| S$300,000 | S$1,500 | S$1,500 | S$1,500 |
| S$500,000 | S$2,500 | S$2,500 | S$2,500 |
Illustrative estimate only, using illustrative example figures (amounts, rates, LTV and fees) — not verified provider offers, a loan offer or approval. Actual rates, fees, LTV, tenure and approval depend on the financing provider and your assessment. Provider, legal, valuation and other fees are excluded unless shown. Any Loura service fee is separate and disclosed before you decide to proceed.
03
Who may qualify?
- Property type and applicable borrowing rules
- Sale documents and expected net proceeds
- Existing mortgage balances and completion dates
- Ability to service costs if completion is delayed
Valuation, outstanding debt and who borrows
A valuation is not a guaranteed loan amount: the provider sets financing subject to applicable rules and its assessment. Existing property loans, charges, income and repayment obligations all matter. Individuals and sole proprietors can be subject to TDSR for non-residential property too. Companies generally undergo business credit assessment instead, but a vehicle set up solely to purchase property can fall within the TDSR rules. Company ownership is not an automatic exemption.
04
Documents
No documents are needed for the initial enquiry.
- Purchase and sale agreements
- Current mortgage and redemption statements
- Completion schedule and repayment evidence
- Income records and relevant CPF information
Additional documents may be requested by the financing provider depending on your case.
Documents and repayment planning
No documents are required for the first enquiry. Later, prepare purchase or ownership records, valuation details, existing loan balances and income or business records relevant to the borrower. Residential cases may need CPF records; industrial cases may need lease and use consents instead. The calculator illustrates equal monthly repayments at a constant customer-entered rate, excluding fees, rate changes and bridging repayment structures.
05
How it works
- 1Tell us what you need
- 2We look at your situation
- 3We explain the options that may suit you
- 4You decide whether to go ahead
06
Provider options
We only show providers whose information we have checked on their official website. Being listed here does not mean a provider partners with or endorses Loura.
Varies by provider — contact us for an assessment. No verified product offer is currently listed; rates, amounts and terms are not assumed.
Current indicative information. Terms, rates, fees and eligibility may change and are subject to provider assessment.
07
Frequently asked questions
Does bridging solve affordability problems?
No. It addresses a timing gap with a credible repayment event, not an ongoing inability to afford a purchase. Assess the permanent loan and bridge together.
Can I rely on an expected sale price?
Use documented sale proceeds and account for existing debt, costs and relevant CPF refunds. A hoped-for sale price or unapproved refinance is not a guaranteed exit.
What happens if completion is delayed?
Costs can continue and repayment remains due under the agreement. Check fallback funding and any extension terms before committing. The property may be at risk if secured repayments are not met.
Can I use the monthly calculator for a bridge?
It illustrates only equal monthly repayments at a constant rate. A bridge can have a different interest and principal structure, so use the provider's actual schedule to assess its cost.
Is there a guaranteed approval date?
No. Assessment, documents, security and legal work affect timing. No documents are required for the first enquiry, which is not a lender approval.
Want to know your options?
Start with a short enquiry. No documents are required initially; approval and final terms are decided by the provider.
Check Your Eligibility