International Property Loans

Our financing solution allows you to widen your real estate opportunities by financing the purchase of your overseas properties or refinancing your existing overseas property loan. You may choose to finance your overseas property by borrowing in Singapore Dollar (SGD) or in the currency of the property location, regardless of your location anywhere in the world.

You can choose to finance your property(s) in selected cities in Australia, Japan, Malaysia, Thailand, and the United Kingdom.

No, it is not necessary for you to be a Singaporean.
We offer financing for Foreigners in addition to Singaporeans and Singapore Permanent Residents (SPR).

However, there are some restrictions on providing financing to Australian nationals and Japanese Nationals. Reach out to our friendly banker to enquire more.

You need to be at least 21-65 years old at the point of loan application.

We provide financing in extensive areas within the respective countries.

Some popular cities which we finance in are as follows:

Australia: Sydney, Melbourne and Perth
Japan: Tokyo, Osaka, Kyoto, Yokohama and Fukuoka
United Kingdom: London
Malaysia: Kuala Lumpur, Penang, Johor Bahru
Thailand: Bangkok, Phuket and selected cities

No. If you’d like to check whether your desired postal code is eligible for an International Property Loan, please submit an enquiry form here and our team will be happy to assist you.

Generally, UOB offer financing for freehold apartments, condominiums across the different countries which we offer financing in. Please reach out to our friendly bankers here to check if we are able to finance your desired international property.

The financing quantum is up to 70% of the purchase price of your desired property or its valuation, whichever is lower.

In order to provide flexibility to our customers, you have a choice to choose your loan in either domicile currency and Singapore Dollars for financing in Australia, Japan and United Kingdom. For example, if you purchase a London property, you can choose to take your loan in SGD or GBP.

For Thailand and Malaysia property financing, yes, you would need to borrow in Singapore dollars (SGD) only.

You can opt to switch currency (if applicable), after acceptance of the loan, at a nominal fee. For instance, you accepted the loan in for your London property in Great Britain Pounds (GBP) and wish to convert it to Singapore dollars (SGD) or vice versa at a nominal charge.

We can accept a maximum of 4 borrowers for each property loan.

The maximum loan repayment period is 35 years or up to 75 years old at the end of the loan tenor, whichever is earlier. The loan duration plus the age of the applicant at the time of application must be less than or equal to 75 years.

For example, you are now 25 years old and want to take up an International Property Loan with UOB. Your loan tenor will be 35 years instead of 50 years.

You will need to have a UOB Singapore retail account for the servicing of all UOB International Property Loans. This account can be in foreign currency.

In addition to the property purchase price, below is an overview of the fees and taxes that you may be subjected to, in addition to others where applicable for your consideration when you take up an IPL with UOB, call our friendly bankers here today to find out more.

• Valuation Fees
• Legal Fees
• Agent Referral Fees
• Processing Fees
• Cancellation Fees
• Remittance Charges
• Mortgage Fees
• Fire Insurance

For approved properties financed by UOB in Australia, Japan, and the United Kingdom, they should be used solely for investment (buy to let) purposes only. You will not be able to use the property for your own stay.

For approved properties financed by UOB in Thailand and Malaysia, they can be owner-occupied or for investment purposes.

We know that seeking loan financing can be a harrowing affair. Feel free to reach out to our friendly bankers here for step by step guidance on the requirements for a fuss-free financing experience!

Please leave your contact details here and we will be in touch shortly.

Yes. Please refer to the below terms and conditions governing International Property Loans for each country.