| Loan Type | Loan Limit | |
|---|---|---|
| One Applicant | With Co-applicant(s) | |
| Scheme House | 100% Financing* | |
| Serviced Lot | 100% Financing* (subject to approval) | |
| Open Market | $9 Million** $12 Million (where the unit costs $14 Million or less) | $17 Million** (1 co-applicant) $23 Million*** (2 co-applicants) |
| House Lot | $5 Million | $7 Million (1 co-applicant) $10.5 Million (2 co-applicants) |
| Build 9/Cluster | Each applicant may access up to $3.5 Million to purchase land for a Build 9 cluster (conditions apply) | |
| Build on Own Land (BOL) | $11 Million** | $17 Million** (1 co-applicant) $23 Million*** (2 co-applicants) |
| Construction Funds | The difference between the current non-homeowner's loan ceiling and the amount previously accessed for House/Serviced Lot loan. | |
| Home Improvement | $5 Million | $10 Million (1 co-applicant) |
| Seven (7) Plus | $5 Million | $10 Million (1 co-applicant) |
| Smart Energy Loan | $2.5 Million | |
| Solar Water Heater | $250,000 | N/A |
* 100% financing or up to $15 million available per property, subject to affordability.
** Please note that the loan limits of $9 and $17 million are subject to affordability and other terms and conditions.
*** Please note that three contributors may co-apply to access up to $23 million where the unit being built or bought is at least two bedrooms (subject to affordability and other terms and conditions).
Updated July 2025
