Property Equity Financing

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    Unlock the value of your property to get cash

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    Welcome a year of abundance with up to S$3,388 worth of rewards when you finance your home loan with us.

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    T&Cs apply. *For refinancing loans only.

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    Home with SORA

    Welcome to the UOB 3-Month Compounded SORA Home Loan package that gives you better control of your finances.


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Have you thought of how your private or commercial property can get you cash?

Tap the enhanced value of your property to make the most of it.

As you repay your mortgage, you will gradually build up equity in your property. An increase in your property value can also increase the equity that you can take advantage of. You can borrow against that equity when you need cash, using a term loan, an overdraft (for commercial property only) or a combination of both.



Property equity financing enables you to obtain funds to meet your financial needs and goals. By tapping the equity in your property, you can take advantage of lower interest rates and use the money for whatever needs that arise.

Property equity term loans give you cash in a single upfront payment. You can manage your finances with more certainty as you can repay the term loan on a monthly basis, comprising the loan principal and interest. If you know exactly how much you need to borrow, a property equity term loan may be the best option.

Property equity overdrafts (for commercial property only) allow you to have cash on standby and you can draw down the standby cash as and when you need to, up to a maximum overall facility limit. You pay interest only on what you actually draw down. You also decide how much loan principal to repay at any time, without worrying about penalty fees.


Choose from our wide range of loan packages to suit your financing needs.
Enjoy flexible options to pay down your loan partially or customise your loan to ensure you get the most out of it.

Limited tranche for New Direct-to-Bank* customers only
Fixed Rate
Year 1 3M Compounded SORA + 0.70% p.a. For fixed-rate or combination of fixed-rate and 3-Month Compounded SORA packages, please complete the Contact Us form here so that our Home Loan Specialists can be in touch with you within the next business day.
Year 2 3M Compounded SORA + 0.70% p.a.
Year 3 3M Compounded SORA + 0.80% p.a.
Year 4 and thereafter 3M Compounded SORA + 1.00% p.a.
Lock in period 2 years
Min Loan Size S$500,000
Special Features
  • 1 free conversion after 12 months from the date of first disbursement, subject to the terms and conditions in the Letter of Offer.
  • Flexibility to prepay^ your loan/sell# your property, subject to the terms and conditions in the Letter of Offer.
Other benefits Submit your application online & our banker will be in touch with you to share more on our limited time promotional offers. Valid only for direct applications without third party referrals.
Additional notes Promotional rates are available for a limited period and only valid for completed residential properties in Singapore, for your new purchase or refinancing from another bank/HDB. Subject to minimum loan size.
Pegged to the 3-month Compounded SORA that is published on MAS' website.  It is currently at 1.9280% p.a. (as at 27 September 2022). Find out more on SORA.


3M Compounded SORA refers to the 3-Month Compounded SORA that is published on MAS’ website.  It is currently at 1.9280% p.a. (as at 27 September 2022). Find out more on SORA.

Terms and Conditions

  • Above rates quoted are indicative and valid for completed residential properties in Singapore, for new purchase or refinancing from another bank/HDB.
  • Rates are subject to min. loan size.
  • Rates and benefits will only be confirmed upon issuance of Letter of Offer. The Letter of Offer shall contain such terms and conditions as UOB may require in relation to each property loan.
  • Rates and benefits are subject to changes without prior notice.

*This Promotion is not valid with agent referrals, Introduce A Friend, welcome back and/or third party referral payment, and shall not be applicable to individuals who have received other benefits, and/or administrative concessions from UOB on his/her existing or new property loan(s) (including, but not limited, to a waiver or reduction of any fee payable or penalty incurred by applicant(s)).

#This means that, in the event that the redemption of the Loan is due to sale of the Property and this redemption is within the Lock in Period, the redemption fee will be reduced by 50% subject to UOB’s receipt of satisfactory documentary evidence of the sale of the Property. In addition, the Borrower will be eligible for a refund of the reduced redemption fee paid to UOB if the Borrower fulfills the following conditions:
(i) the Borrower accepts a new loan from UOB of which the new loan amount is equal or higher than the redeemed loan amount;
(ii) such new loan is accepted by the Borrower within 6 months from date of redemption of the Loan;
(iii) the Borrower furnishes a signed copy of the Letter of Offer; and
(iv) such other condition(s) as may be determined by UOB.

^This means that prepayment penalty is payable if upon UOB’s receipt of the partial prepayment request during the Lock in Period, the outstanding Loan amount is less than S$200,000 or, as a result of the partial prepayment the outstanding Loan amount will be less than S$200,000.

Submit your loan application online now and our banker will be in touch with you to share more about exclusive home loan rates and promotions available.

Apply Now

Illustration of 3-Month Compounded SORA

The 3-Month Compounded SORA is updated every 3 months.



D% and E% are 3-Month Compounded* SORA published by MAS on 4 Mar 2021 and 4 Jun 2021 respectively.


Find out more on how SORA works here


*Further reading material on use of SORA in financial contracts:


Next Step

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More Information

  • The loan repayment schedule for the loan package that you have chosen is available in either hard copy (on request) or soft copy in the form of a home loan calculator on the bank's website.
  • The Association of Banks in Singapore's (ABS) Consumer Guide on Home Loans is available and you are encouraged to get a copy from the bank and read it before committing to a loan. This guide is also available on the MoneySENSE and ABS websites in four official languages.

This publication is strictly for information purposes only and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. This publication is not an offer, recommendation, solicitation or advice to buy or sell any investment product. Nothing in this document constitutes accounting, legal, regulatory, tax, financial or other advice. You should consult your own professional advisors about issues discussed herein. While the information provided in this publication is believed to be accurate as at the date of publishing, UOB makes no representation or warranty, and accepts no responsibility or liability for its completeness or accuracy.