International real estate finance · Est. Singapore 2018
Donald Klip
Co-Founder · GMG
As featured in
Why GMG exists
Almost every home buyer in the world uses a mortgage. Most foreign buyers of US property can’t. Roughly four in five pay cash, because domestic banks won’t underwrite overseas income, offshore holding structures or a borrower with no local credit file. The same wall stands in London, Sydney and Singapore.
Our co-founders, two Americans with long careers in investment banking and mortgage lending, met in Singapore in 2017 and set out to fix that. Global Mortgage Group was built for one client: the internationally mobile owner of real estate, and the advisors who look after them.
~98%
of property buyers worldwide finance with a mortgage
~20%
of foreign buyers of US homes do, because most are shut out
The gap GMG was founded to close · Source: Global Mortgage Group
What we arrange
GMG is both a broker and a lender. We place each mandate across 300+ banks, private banks, debt funds and family offices, and lend directly in the US through our subsidiary, America Mortgages.
01 · ResidentialPurchase and refinance loans for foreign nationals and expats in London, New York, Sydney, Singapore, Dubai and 20+ global cities. Underwritten on your worldwide income and assets, not a local payslip.
02 · LiquidityFast, discreet capital against high-value property. Unlock equity without selling, bridge a purchase, or refinance away from a bank that has changed the rules.
03 · CorporateSenior, mezzanine and acquisition finance for mid-market corporates, developers and asset owners in 12+ APAC markets, for deals where domestic banks can't move fast enough or flex far enough.
04 · AdvisorsPrivate bankers, EAMs, IFAs, family offices and lawyers. Bring us the client you couldn't help. We structure, place and close the loan, and the relationship stays yours.
Global reach
We match each mandate to the lender most likely to say yes, on terms that suit your residency, currency and timeline. Specialists in eight cities cover every time zone, in 11 languages.
12 markets · USD 1M+ residential, for foreign nationals and expats
Offices & coverage
Singapore (HQ) · Hong Kong · Shanghai · Beijing · Manila · Bangkok · Seoul · United States
HQ · Singapore
1.29° N, 103.85° E
Lending partners
300+ worldwide
The Unlocked series
Unlocked in
Bridging & equity release
Asset-backed loans from S$1M to S$50M+, not assessed under TDSR.
Unlocked in
Prime London equity release
Raise capital on UK property while you live abroad.
Unlocked in
US foreign-national mortgages
No US credit score. Arranged through America Mortgages.
Unlocked in
Bridging finance
Liquidity against residential and commercial assets.
Unlocked in
Non-resident bridging
Australian property finance for owners living offshore.
Unlocked in
UAE mortgages
Finance for overseas buyers in Dubai's prime districts.
Unlocked in
France & Riviera lending
Mortgages and luxury bridging for international buyers.
Unlocked in
Thailand bridging
Where domestic banks rarely lend to foreigners.
Recent mandates
A selection of recently closed mandates. Client details are withheld. Each was structured around the asset and the exit, not a payslip.
Residential bridge · United States
Mandate to funding in five days for an overseas owner.
Asset-backed bridge · Luxury residence
Secured on a luxury residence at 70% LTV, on a 12-month term.
Bridging loan · Singapore
Funded inside three weeks of mandate for a high net worth owner.
Singapore bridging · full year
Total Singapore bridging volume arranged in FY2024.
How it works
One senior specialist owns your file from the first conversation to funding, so you never repeat yourself to a call centre.
A 30-minute call with a senior specialist, in your language and your time zone. Tell us the property, the amount and the deadline.
We take your mandate to the lenders most likely to say yes and return with indicative terms, usually within 24–48 hours.
Valuation, legal and credit run in parallel. You sign in your country of residence, with no flights and no paper chase.
Bridging loans typically fund in 2–4 weeks, and residential mortgages in 30–45 days. One specialist owns your file end to end.
Cover story · May 2026
The European Business Review
Founder-led
“We continue to grow our network of global lending partners and digital mortgage processing capabilities to deliver fast, transparent and personalised financing options.”
Donald Klip
Co-Founder · Co-CEO
Over 25 years in finance. He founded one of Hong Kong’s earliest hedge funds in 1999, managed Asia’s largest family office, and led equity sales desks at Citibank, BNP Paribas, Macquarie and CCB.
Robert Chadwick
Co-Founder · CEO, America Mortgages
Over 25 years in mortgage lending. He ran wholesale lending at Fremont Bank and Saxon Capital, and today leads GMG’s US lending subsidiary.
2022 · APAC Insider
Most Innovative Global Real Estate Financing Company
2021 · Singapore Business Awards
Best Real Estate Financing Company
2021 · Global 100
Best Global Real Estate Financing Company
2019 · BUILD Real Estate Awards
Best Global Real Estate Financing Company
For private bankers, EAMs, IFAs & family offices
Your HNW clients want property abroad and their own bank won’t lend. Refer them to GMG and we structure, place and close the loan with you in the loop throughout.
We never approach your client for other business. The relationship stays yours.
A referral fee of 1.50% of the loan amount on every funded mandate.
Status updates at each stage, so you can brief your client with confidence.
The world's first US mortgage programme designed for wealth-management distribution.
The Briefing
These are the questions our specialists hear every week. If yours isn’t here, ask us directly. We reply within one business day.
GMG arranges bridging loans and equity release against Singapore residential and commercial property from S$1M to S$50M+, typically at 60–65% LTV on a first charge. Because the loans are secured on the asset, they are not assessed under TDSR, and most fund within two to four weeks of mandate.
Singapore bridging loansNine: Singapore, Hong Kong, Thailand, Australia, the United Kingdom, Ireland, Spain, France and the United States. Loans start around USD 1M and run for 12–36 months. They are sized on the property and your exit (a sale, refinance or liquidity event) rather than on monthly income.
Global bridging loansSpecialist lenders will. GMG places foreign-national and expat mortgages from USD 1M with a network of 300+ banks, private banks and private lenders that underwrite global income and assets. You don't need a local credit history, and documents can usually be signed in your country of residence.
International mortgagesYes. Through our US subsidiary, America Mortgages, foreign nationals can finance US homes and investment property using international credit references, overseas income or the property's rental income. Qualified foreign-national borrowers see a 97% approval rate, and loans typically close in 30–45 days.
US mortgages for foreign nationalsYes. GMG Capital Advisory arranges USD 10M–100M+ senior, mezzanine and acquisition financing for mid-market companies, developers and asset owners across 12+ Asia-Pacific markets. These include Singapore, Hong Kong, Thailand, Indonesia, India, Japan and the UAE, where domestic banks often can't move fast enough.
APAC private creditIndicative terms usually arrive within 24–48 hours. Bridging loans typically fund in two to four weeks, and urgent mandates have closed in five days. Mortgages take 30–45 days. Pricing depends on market, leverage and term, and every cost is set out in the term sheet before you commit.
Speak to a specialistInsights
Start the conversation
Share a few details and a senior specialist will come back within one business day with a view on structure, leverage and timing.
