Entrust is a way for homeowners to be paid today for equity they’ve accumulated in their property — without getting a loan. We invest alongside homeowners using an option agreement, which allows us to provide cash today in exchange for a share in your home’s future value. 

You do! Entrust secures our interest by placing a lien on the property but we have no rights of occupancy, and neither will we be registered on your home’s title as a co-owner. Provided that you take care of your house and pay your taxes, mortgage, and insurance, Entrust will not have a say in what you do with your house after our investment. You do however need to loop us in if you would like to sell your home, take on another investor, or adjust your mortgage.

Entrust is currently accepting applications for private residential properties in Singapore which are either freehold or leasehold with a remaining lease of no less than 90 years for EquityShare_® and 85 years for MortgageRelief_®. HDB properties do not currently qualify for an Entrust investment due to regulatory restrictions.

In exchange for our upfront cash Investment, Entrust receives a share of the sale or market price of the home. If the value doesn’t go up and we make less, we make less. That’s the risk we take, and that’s for Entrust to worry about, not you.

Yes, as long as your remaining mortgage balance and total Entrust funds do not exceed a combined 75% of the current value of your home.

You do not need permission from us to sell. When you decide to sell, you are responsible for notifying Entrust: 

• When you plan to list the house for sale
• Within 24 hours of receipt of a binding offer and include a copy of the offer

While we will not tell you which offer to accept, the sale price must approximate or exceed the market value of the home. We will work with you to settle the investment as part of the normal signing process; like you, and unlike a bank, we are motivated to get top dollar for any house we have invested in.

The most we can invest in a single home is S$500,000, but most of our equity sharing agreements are less than that. We can provide up to 15% of your home’s appraised value, subject to your remaining mortgage balance and Entrust funds not exceeding a combined 75% of the value of your home. Entrust’s minimum investment size is S$50,000. Of course, the amount we can invest depends on your unique situation. Please start an application to find out exactly how much we can provide you.

There are no monthly payments or interest charges with Entrust EquityShare_®. Instead, we share in the value of your home according to the terms of the EquityShare Agreement when you sell or decide to buy us out. At closing, we charge an arrangement fee of 3% of the investment amount for arranging and funding the investment. There are no other fees charged by Entrust, however the appraisal and other third party costs associated with the signing (i.e.: escrow, attorney/notary, and document recording) are deducted from the investment amount when you get your money.

No! The equity you build with your monthly payments belongs to you. Our share is fixed upfront according to the terms of the EquityShare Agreement and does not change if you accelerate the repayment of your mortgage loan.

The term of an Entrust EquityShare_® investment is 10 years, during which you can decide to sell your home at any time to close out our investment. Our goal is to give you as much flexibility as possible – should you decide not to sell your home during the effective period, we provide the option of a Homeowner Buyout at any time (without any prepayment penalties), which can be settled with savings or by taking out a home equity (or other) loan. Any settlement is based on the current market value of the home.

Entrust MortgageRelief_® is designed to assist homeowners who have been demonstrably impacted by rising interest rates. We will need to see your previous mortgage statement versus current mortgage to verify the appropriate monthly cash advances. There are no minimum or maximum amounts under the MortgageRelief program_®.

Not for the moment. Entrust MortgageRelief_® is a limited time offering that we are providing to support ordinary homeowners adjust to higher interest rates. Of course, our dedicated investment managers will be happy to speak with you to understand your unique situation. Please start an application to find out exactly how our solutions could work for you.

Yes! Entrust solutions are designed to provide maximum flexibility and do not require homeowners to provide proof of income. 

There are no monthly payments or interest charges with Entrust MortgageRelief_®. Instead, we share in the value of your home according to the terms of the MortgageRelief Agreement when you sell or decide to buy us out at any time during the 5 year term. Generally speaking, homeowners share 0.75% of home value per year of MortgageRelief_® support. At closing, we charge an arrangement fee of 3% of the total investment amount for arranging and funding the investment. There are no other fees charged by Entrust, however any third party costs associated with the signing (i.e.: escrow, attorney/notary, and document recording) are deducted from the first monthly advance.