Why Us

Located between Tanjong Pagar and Telok Ayer, the heart of the CBD, OxProp Capital is a renowned firm with a strong history for finance-related services and activities. You can trust us to provide you with timely and reasonable property loans in Singapore.

About Us

We have a dedicated team that is constantly improving technology, innovating and pushing boundaries. We take pride in offering our clients the most unique and innovative financial solutions. We aspire to be the first choice for property financing loans in Singapore.

Our mission is to help people reach financial independence to realise their ambitions. We are constantly rethinking ways to give provide everyone with the tools they need to succeed.

Loan Application process

After you submit your applications, our representatives will be in contact to assist you through the loan closing process. 

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What kind of loans do you offer?

We only offer property loans which are secured loans backed by your property. We will hold the first charge on the property. 

What is a Property Loan?

Our collateralised property loan is a loan that is backed by your home as a collateral. For most, their homes are a big proportion of their wealth. This also means that a lot of liquidity is locked up and cannot be accessed normally.

Using your home to back your loans allows us to give you the best rates, because we can pass you the cost savings from the reduced risk.

When should I get a Property Loan?

Consider a property financing loan for the following use cases:

1.Financing an important milestone

For many of us, weddings, a first car, or our children’s college tuition is a key milestone in life. A home equity loan will help finance these milestones while ensuring your long term budget and financial goals are still met.

2. Debt consolidation

You could group all your debt from monthly payments into one single payment at a competitive rate.

3. Renovations

Buying a home is not the end of the story. Often, costly renovations can be tricky after all the monthly home payments. Thankfully, home equity loans can often provide the liquidity you need to renovate your dream home.

4. Issues with credit ratings

Banks frequently turn away borrowers with poor credit ratings. We have no such restrictions and will be able to provide you with funding quickly.

5. Require emergency loan 

The process of applying for a loan at a bank is often lengthy and tedious. Our application process is simple: just fill out the loan application form and our representatives will get back to you within 3 days.

Can the properties pledged have existing loans tied to them?

In most cases, properties that are accepted as collateral are unencumbered or mortgage-free. 

For properties with existing mortgage, we will calculate the remaining equity that you possess in the property (which is the estimated remaining value less the value of the outstanding mortgage). This will be reviewed by our team on a case-by-case basis.

What documents do I need to provide for a loan?

Our representatives will reach out to you once we receive your application. 

Why should I get a Property Loan?

Interest rates for property loans are typically lower compared to unsecured loans like personal loans. This is because the risk posed to the creditors will be lower due to your home being used as collateral. The cost savings are then passed to you.

I have a poor credit score and a number of outstanding loans. Is it still possible for me to apply for a loan?

You will still be eligible to a loan from us regardless of your credit rating and total debt service ratio (TDSR). We will assess each case individually and will provide you with a structured loan plan tailored to your financial conditions. 

How much can I borrow?

You can borrow up to 80% of your home value.

How long does it take to receive funding?

Alternative financiers like us can fund a loan request within 7 - 14 days depending on the complexity of the loan, whereas a traditional bank loan may take up to 30 days. 

Are the interest rates fixed or variable?

We can provide you with a fixed-rate loan to safeguard you from any abrupt and possibly considerable increases in monthly property mortgage payments.



Welcome to our referral program for clients. We encourage you to invite your clients and friends for a complimentary consultation with us and be rewarded when they become our clients. We are located between Tanjong Pagar and Telok Ayer of the CBD, and are always down for a chat over coffee.

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