FROM PROPERTY TO POWER
Fast Turnaround
Get approved and funded in days, not months. Ideal for urgent needs or time-sensitive opportunities.
Flexible Criteria
Bad credit, self-employed, or non-traditional income — we assess based on your property, not just your credit score.
Non-Bank Expertise
We bridge the gap between banks and private lenders to deliver fast, fair financing when others can’t.
When Banks Move Slow
or
Say NO
Refinancing That’s Clear,
Honest and Built for You.
A
Business Owners / Entrepreneurs
From small business owners to directors, we help those in need of bridge capital, working capital top-ups, or urgent project financing.
Using your property as leverage, we offer short-term liquidity solutions that are both flexible and powerful.
B
Homeowners
If your mortgage application was rejected due to TDSR restrictions, poor credit history, or unstable income, we can step in where the banks can’t.
Our non-bank mortgage solutions focus on real property value, not rigid credit scoring.
C
Investors
For investors or property developers who own multiple properties, Devise offers a way to unlock equity across your portfolio to fund new deals, renovations, or acquisitions.
We specialise in strategic refinancing and caveat loans that help you stay liquid while keeping ownership intact — a crucial move in today’s fast-paced property market.
D
Needing Urgent Cash-Out
When you need fast access to property equity, waiting months for a bank is not an option.
Our cash-out refinancing and caveat loan structures allow you to tap into your property’s value within days, not weeks — perfect for business expansion, debt consolidation, or emergency use.
E
Homeowners in Mortgage Distress
We understand the weight of missed repayments, foreclosure threats, and high monthly interest burdens.
Devise offers refinancing and restructuring plans to help you regain control — lowering payments, consolidating debts, and protecting your property from forced sale.
High LTV Plus Cashing Out
Banks often have strict Loan-to-Value (LTV) limits imposed by MAS. Non-bank lenders can often offer more flexible terms, allowing you to access a higher percentage of your property's equity.
This is perfect for homeowners seeking a maximum cash-out loan for major investments or expenses.
Ideal for
Debt Consolidation
Are you struggling with multiple high-interest debts? A property equity loan for debt consolidation allows you to pay off credit card debts, personal loans, and other obligations.
You replace them with a single, manageable loan at a potentially lower interest rate, simplifying your finances and saving money.
Frequently Asked Questions
Bank refinancing follows strict income and TDSR limits, often rejecting borrowers with complex profiles.
Non-bank refinancing, like Devise’s, focuses on property value and repayment ability, offering faster approval and more flexible criteria.
In urgent cases, funds can be released within 5–7 working days after document submission and valuation.
This makes caveat loans ideal for urgent debt clearance, business capital, or time-sensitive opportunities.
No. Devise evaluates your application based on property and repayment history, not your existing bank credit score.
Our goal is to help rebuild your financial standing through responsible, structured lending.
Yes. Devise specializes in helping self-employed, freelancers, and business owners who may not have traditional income proof but own valuable property assets.
We accept all private residential, commercial, shophouses and industrial properties.
Each property is assessed based on current market valuation, caveats, and encumbrances.
Devise can help clear arrears through a refinancing or caveat loan, preventing foreclosure and restoring your repayment track record.
We coordinate directly with your current lender to ensure a smooth transition.
Typically, you can access the maximum up to 90% of your property’s current value, depending on valuation and loan structure.
Our team tailors solutions to balance maximum cash release and sustainable repayment terms.
Why Choose Non-Banks
Refinance Like the Elite — Without the Bank Delay.
01
What Makes a Non-Bank Mortgage Different
A non-bank mortgage loan gives property owners faster and more flexible access to capital compared to traditional banks.
Where banks rely on strict credit scoring and long approval pipelines, Devise evaluates the strength of your property and repayment capacity.
This approach allows us to serve borrowers who are self-employed, credit-impaired, or time-sensitive, without compromising on security or compliance.
Non-bank lenders play an essential role in Singapore’s financial ecosystem — bridging the gap between private property value and liquidity.
They offer asset-based underwriting, lean documentation, and approvals within days, not weeks.
If you’ve been turned down by a bank, or if your situation doesn’t fit standard loan criteria, a non-bank mortgage refinance may be the practical alternative you’ve been waiting for.
02
Refinancing and Cash-Out Equity
Your property is more than a home — it’s an asset with built-in financial potential.
Through refinancing or cash-out equity loans, you can convert that locked-up value into usable capital while keeping ownership of your property.
Whether you need funds for business expansion, renovations, investments, or personal commitments, Devise structures each solution to fit your goals.
Our clients often use cash-out property loans to consolidate high-interest debts, fund start-ups, or create new income streams.
Unlike banks, we understand that financial life doesn’t always fit inside a spreadsheet.
By focusing on property value rather than rigid income proof, we make it possible to unlock liquidity even when credit scores or paperwork fall short.
03
Caveat Loans — Speed When It Matters Most
A caveat backed working capital loan is ideal for borrowers who need funds immediately.
By registering a legal caveat on your property, Lenders can release short-term funding quickly — often within 3 to 5 working days.
This makes it a powerful tool for bridging transactions, time-sensitive deals, or emergency cash flow situations.
Unlike normal unsecured loans, a caveat loan leverages your property’s value, allowing us to offer larger amounts and faster approvals with clear documentation. These loans leverage the equity in a company's property as collateral, allowing businesses to access significant funds quickly and with minimal hassle
They create a unique financing solution for businesses in Singapore, providing a host of benefits tailored to meet the demands of a fast-paced market environment.
Flexible Eligibility and Credit Assessment
Non-bank financial institutions take a more holistic view. They focus your ability to service the loan, making them an excellent option for:
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Those with a less-than-perfect credit history.
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Borrowers who have been rejected by banks.