Equity Solution is a mortgage advisory firm based in Singapore, helping individuals and businesses secure property financing across HDB, private, commercial and international properties. The company states it has more than 20 years of mortgage banking experience, with a team collectively holding more than 30 years of experience in the field.
The firm positions its advisory service as entirely free to clients, since it is paid consultation fees equally by partner banks regardless of which one a client ultimately chooses. That structure, Equity Solution says, allows it to offer unbiased advice based on a client's specific needs rather than steering clients toward any particular bank. The company works with a range of banking partners, including UOB, OCBC, Bank of China and State Bank of India.
Equity Solution's stated approach centres on four pillars: being a one-stop mortgage solution, providing needs-based advisory tailored to each client's unique requirements, offering convenience by handling the paperwork and comparisons involved in a loan application, and drawing on a professional, experienced team to structure the right loan for each situation. The company complies with Singapore's Personal Data Protection Act (PDPA) 2012.
Equity Solution is a Singapore-based mortgage advisory firm built around a simple pitch: navigating property loans is complicated, and comparing dozens of bank packages, rate structures and eligibility requirements shouldn't fall entirely on the borrower. The company describes itself as having more than 20 years of mortgage banking experience, with a team that collectively holds more than 30 years of experience in the field.
What makes the service viable as a free offering, according to Equity Solution, is how it's paid — consultation fees are paid to the firm equally by all partner banks, regardless of which bank a client ultimately chooses. That structure is central to the company's pitch of unbiased advice: because it isn't paid more for steering a client toward one lender over another, its recommendations can focus purely on what suits the client's actual financial situation.
The firm's services span the full range of property financing scenarios. For those buying, that starts with securing an In-Principal Approval (IPA) from a bank before committing to a purchase — a step Equity Solution recommends as prudent given how many factors influence loan eligibility, including the number of existing housing loans, the average age of borrowers, fixed and variable income (including bonuses, allowances and rental income), financial assets like stocks, cash and unit trusts, and liabilities ranging from car loans to credit card usage.
From there, Equity Solution advises on private home loans, HDB loans, and refinancing of existing housing loans, walking clients through the range of interest rate structures available — including SIBOR, SORA, SOR, internal bank board rates, fixed rates, and fixed deposit linked rates — each with different risk and stability trade-offs.
Equity Solution also covers commercial and industrial property loans, including advisory on whether to purchase under personal or company capacity, comparing financing structures including interest servicing loans. For those rebuilding or carrying out addition and alteration works on land or a landed property, the firm offers construction and land loan advisory, aiming to simplify what can otherwise be a daunting application process.
For clients selling one property while buying another, Equity Solution offers bridging loan advisory — a service the firm flags as particularly time-sensitive, since the timelines and procedures for both the sale and purchase need to be carefully coordinated. Rounding out the offering is home equity loan advisory, for clients looking to borrow against the equity in a private or commercial property for needs such as business expansion, children's education, or a car purchase — with the loan quantum depending on the client's outstanding loan balance and current property valuation.
The firm sums up its value proposition around five points: the advisory is free to the client, it saves time by handling documentation and comparing banks and law firms on the client's behalf, it stays updated with current mortgage rate offerings across fixed and floating packages, it's structured to be unbiased since fees are consistent regardless of bank choice, and it commits to fast response times given how time-sensitive property transactions can be.
Equity Solution's head office is located at 16 Kallang Place, #07-03, Singapore 339156. Clients can reach the firm by phone, WhatsApp or email, and the company works with a range of banking partners, including UOB, OCBC, Bank of China and State Bank of India, to source loan options. Equity Solution also complies with Singapore's Personal Data Protection Act (PDPA) 2012 in handling client information.