Bungalow Bridging Loans

Our Bungalow Bridging Loans cater to owners and buyers of landed homes who need fast, flexible financing to capitalize on opportunities. Whether you're securing a new landed property (such as a bungalow or semi-detached house) before selling your current home, or tapping into your landed property's equity for other investments, we provide customized bridge loan facilities from $1 million up to $100 million. These loans come with quick approval times, high loan-to-value options, competitive interest rates, and clear, straightforward terms

Loan Size$1M – $100M
Term Length3–24 Months
Loan-to-Value (LTV)Up to 70%
SecurityFirst charge
Interest PaymentRoll-up or Monthly Servicing

Use Cases

The Rikvin Difference

Why Choose Rikvin Capital?

Fast Turnaround

Our dedicated team can issue a term sheet within 24 hours, and deliver funds within just 2 weeks—minimizing delays and uncertainty.

Flexible Terms

We offer up to 70% LTV, with interest roll-up options to help manage cash flow.

Large-Scale Funding

Borrow up to 100 million to seize high-value opportunities that traditional lenders might not be able to support.

Approachable Experts

With extensive experience in bridging finance, our team works closely with you to understand your goals and structure a deal that fits.

How It Works

The Application Process

  1. 01

    Initial Consultation

    Send us a one-page summary of the property, the loan size you need and your exit plan. We respond within hours with whether the deal fits and an indicative price range. No fees, no commitment at this stage.

  2. 02

    Term Sheet

    Within 24 hours of the initial conversation, we issue an indicative term sheet covering loan amount, rate, term, security and key conditions. You have everything you need to compare against other lenders or to commit on the property.

  3. 03

    Due Diligence

    Once the term sheet is signed, we run KYC, source-of-funds checks and instruct an independent valuation. Most clean deals complete this stage in 5 to 10 working days, and steps run in parallel rather than one after the other.

  4. 04

    Legal Review

    Our specialist solicitors prepare the loan documentation and run title search, taking first charge over the property. We coordinate directly with your conveyancer and any existing lender to keep the timeline tight and avoid double-interest periods.

  5. 05

    Funding Disbursed

    On completion day, funds are wired straight to you or to the seller as instructed. For straightforward Singapore or UK property, the full process from first enquiry to drawdown typically takes 2 to 3 weeks; urgent deals have closed in under 7 days.

Get Funding Approval Within 24 Hours

FAQs

Do you fund semi-detached and terrace houses, not just detached bungalows?

Yes. Our landed-home loan covers the full landed segment: detached bungalows, semi-detached, terrace and corner-terrace homes across all 28 Singapore postal districts. Loan-to-value goes up to 70% with terms of 3 to 24 months, and we can lend up to $100 million on a single landed property if the deal supports it.

I want to buy a new landed home before my current one sells. Can you bridge the gap?

Yes. We fund the down-payment and stamp duty on the new home using your existing landed property as security. The term usually runs 6 to 12 months, and the loan is repaid from the sale proceeds of your current house. This way you do not lose the new property while still getting fair value on the sale.

Can I cash out equity from my fully-paid landed bungalow without selling it?

Yes. Releasing equity from a fully-paid or lightly mortgaged landed home is one of our most common deals. We lend up to around 70% of current valuation to free up cash for business expansion, investment, education or estate planning. The loan is secured by first charge, and you continue to live in the home throughout.

How long does it take to close a landed-property loan in Singapore?

Indicative terms come back within 24 hours. Once due diligence and legal work are complete (typically 1 to 2 weeks for a clean landed deal) funds are released. For urgent situations such as an auction completion or an Option-to-Purchase deadline, we have funded inside 72 hours.