Homeownership in the heart of your community


Owns two cats and loves to entertain guests on weekends


Lives close to work and elderly parents


Married with young kids


Your Dream landed home, in your desired neighbourhood


Unlock the joys of living in a charming landed subsale house with UrbanWave's unique offering. Our debt-free financing option enables you to secure your dream house by providing funds for renovation. Imagine tailoring your living space to truly reflect your style, and what's more, if it's in the neighborhood you're most familiar with.


Expand your avenues for homeownership by discovering the untapped potential of old landed houses in established, mature neighborhoods

How it works

Homeowner engages with UrbanWave when buying a house and applies for home loan* (up to 90%)

*UrbanWave does not participate in the home loan and is liability free

UrbanWave is suitable for those who have found their potential dream home that meets these requirements:

  • a landed freehold property
  • more than 15 years old
  • cleared by Nowcast, our AI-driven forecast platform

UrbanWave funds the renovation by obtaining a minority share in the property.

Homeowner can now renovate debt-free and move in upon completion

Live in your dream home without stressing about renovation costs. You can choose to take back your ownership share later or cash in on it when your home's value goes up. It's that easy!

For more enquiries or questions


Want to enjoy free legal fees and have duit to renovate?


Frequently Asked Questions (FAQ)

How does UrbanWave work?
UrbanWave revolutionizes homeownership by empowering aspiring individuals to fulfill their dreams of owning landed houses. Through our innovative co-ownership model, we enable individuals to not only become homeowners but also secure the necessary funds for the home purchase and renovation process. Successful applicants will obtain funding to kickstart their home ownership journey. In exchange, UrbanWave will acquire a minority share in the property, becoming co-owners and partners in the homeownership endeavor.
What is the property criteria to sign up with UrbanWave?
Homeowners seeking freehold landed properties that are at least 15 years old and have successfully passed our Nowcast* evaluations are welcome to sign up with UrbanWave.
Can I buy back the shares later?
Homeowners have the option to repurchase the shares from UrbanWave within a specified timeframe. However, once this period has elapsed, they will no longer have the opportunity to buy back the equities. Homeowners will become perpetual co-owners with UrbanWave until the occurrence of a triggering event, such as the sale of the property.
Can I sell my property after I signed up with UrbanWave?
Yes, homeowners have the flexibility to trigger the sale of the property at any time, as long as the selling price exceeds the minimum home value*. This ensures that homeowners have the opportunity to benefit from potential appreciation in the property's value when deciding to sell.
What happens in the long run after the renovation is completed, and I’m living in my dream UrbanWave home?
Homeowners have the freedom to reside in their property indefinitely and have the option to rent it out at their discretion. The legal co-ownership arrangement with UrbanWave remains, and its implications come into effect only when specific triggering events occur, such as the homeowner's decision to sell the house or if the homeowner defaults on their obligations.

Have more questions? Contact us and we will be happy to answer them!