Invest in institutional grade

real estate opportunities today

Real estate investments are exciting and yet exclusive! We are unlocking new ways to invest. Minterest vets institutional-grade investment opportunities for our members to take part by investing as little as SGD2,000

At Minterest, we make high quality institutional-grade real estate investments more accessible to investors. We have partnered exclusively with prominent real estate investment players in Singapore and beyond (including, ARA Asset Management and Straits Real Estate) to provide our members the opportunities to co-invest. These exclusive opportunities are only accessible via the Minterest platform.

Our Real Estate Investment Partners:

Real estate investments made simpler


Institutional-grade property investments are now accessible at bite-size amounts

Access High Quality Real Estate Investments

Gain access to exclusive opportunities to co-invest with renowned real estate investment managers, which traditionally are only available to institutional investors

Bite-size Affordable Amounts

Minimum investment amount of S$2,000 is significantly smaller than typical entry ticket price for real estate investments

Stable Returns

Earn returns ranging from 4.8 - 9.8% pa depending on tenor and risk profile. Lower portfolio volatility and better risk-adjusted returns as real estate has a low correlation with other major asset classes

Short Term Investment

Manage your liquidity position by investing in investments of tenor as short as 3 - 6 months

You invest, Minterest handles the rest


We source high quality investments vetted by institutional real estate players through our exclusive partnership. These are exclusive investment opportunities only accessible via the Minterest platform.

Secured Investing

Assessment and due diligence on these property investments have been conducted by our real estate co-investment partners, the like of ARA Asset Management and Straits Real Estate. We cherry-pick the high quality investments from our partners.

Professionally Managed by Experts

Real estate ownership and managing on your own can be risky. Our industry experts have deep knowledge and experience to professionally manage these investments on your behalf.

Investment Diversity

Diversify your real estate investment in different countries with ease. Currency risks are hedged to ensure investment returns are not affected by fluctuations in the currency markets.

Sneak peek of our premium property investments


Not a registered member yet?


Sign up now to view full details of our real estate investments and invest today.

How it works in 4 steps


Sign Up As A Member

Submit documents online for verification checks. You can ONLY view active funding requests via your Member Platform Account once checks are completed.

Fund Your Account

Transfer funds via FAST or other online banking methods to Minterest's bank account controlled by Vistra. Notify us online via MyWallet tab in your dashboard. Once funds are sighted, your platform wallet will be updated accordingly.

Invest And Earn

View and select active offerings for investing and earn attractive rates. When an offer is made, this amount will be earmarked and released to the borrower once the offering is closed.

Enjoy Your Returns

Monitor your portfolio and returns online in your dashboard and receive notifications when loans are repaid or invoices paid. Reinvest in new investments to multiply your portfolio.

How it works in 4 steps


Sign Up As A Member

Submit documents online for verification checks. You can ONLY view active funding requests via your Member Platform Account once checks are completed.

Fund Your Account

Transfer funds via FAST or other online banking methods to Minterest's bank account controlled by Vistra. Notify us online via MyWallet tab in your dashboard. Once funds are sighted, your platform wallet will be updated accordingly.

Invest And Earn

View and select active offerings for investing and earn attractive rates. When an offer is made, this amount will be earmarked and released to the borrower once the offering is closed.

Enjoy Your Returns

Monitor your portfolio and returns online in your dashboard and receive notifications when loans are repaid or invoices paid. Reinvest in new investments to multiply your portfolio.

How are investors' funds managed


Vistra Trust (Singapore) Pte Limited has been appointed by Minterest to hold investor funds.

Upon successful sign up, an investor can transfer funds into a dedicated bank account controlled by Vistra. Funds deposited into this account can be used for participation in deals that have gone through our due diligence process.

Minterest has no access to investors' uninvested funds. Our company's funds are not co-mingled with investors' money.

FAQs


What are institutional-grade real estate investments?

Real estate is an exciting and dynamic class of investment. It touches on a broad spectrum of sectors. It can be an investment into a property development project - e.g. a sustainable eco-resort somewhere in South East Asia or a smart village for senior retirees, an equity stake in a shopping mall brand or 7-star residential building. The investment managers would have different investment mandates to build up a portfolio of properties (e.g. residential, commercial, industrial and hospitality) to create sustainable returns of investments.

Given the large size of the assets and volume required for investments, they tend to be exclusively for the institutional players (like private equity, funds and banks). The investments can be by way of loans, in equity or a combination of both. As the financing relates to tangible assets, the investment risks would be mitigated by taking security over these assets and other factors (e.g. asset management strategy).

Before making an investment of this type (whether loans or equity), the institutional investors would engage and dedicate specific resources to conduct due diligence, research and risk analysis to determine the feasibility and investment thesis. Once the investment is made, a dedicated group of stakeholders will ensure that the investment is strategically monitored and managed to create sustainable value for the property as well as for the investors.

As these investments carry risks, they typically have been exclusive and accessible only to institutional players with a high entry ticket price (e.g. US$100million). To ensure returns on these investments commensurate with the risks, the underlying assets have to be managed by prominent and reputable real estate investment managers.

In unlocking a new way to invest for our retail investors and accredited investors, Minterest has teamed up with likes of ARA Asset Management and Straits Real Estate to cherry pick investments for our Members to “co-invest” with these players.

To know more about ARA Asset Management, click here and about Straits Real Estate, click here.

Is there a minimum investment amount for real estate investment?

For real estate investments, the typical minimum investment amount is $5,000 although in certain situations the minimum investment size may be higher or lower.

Some of the real estate investment may have a much higher minimum investment amount (e.g. $50,000 or above). These would mostly be offered to accredited investors.

Specific information would be set out in the particular Funding Request.

What does a secured deal mean? What are the securities for real estate investment?

A secured deal means that the repayment risks are in part mitigated by the creation of security interests over certain assets. In real estate financing, the common types of securities include mortgage over the property, assignment of current and future income and charge over a bank account. Where the deal is a mezzanine debt, security may rank second to senior lenders which are typically financial institutions

In case of a default in repayment by the ultimate borrower, these securities can be enforced so that the asset value can be materialised into cash and redistributed back to the investors.

How safe are the real estate investments?

No investments are free from risks and real estate investments are no different. The investment specific risk profile will be set out in the particular of the Funding Request. In general, these are being mitigated by a number of factors:

  • the typical real estate investments that are offered on Minterest Platform is for a tenor 3 to 12 months although some investment opportunities may be longer in tenor;
  • the longer-term investments (e.g. 12 to 24 months or longer) would most likely be offered only to accredited investors and institutional investors;
  • lower portfolio volatility and better risk-adjusted returns as real estate has a low correlation with other major asset classes; and
  • all of these investments are managed by prominent and reputable investment managers.

IMPORTANT NOTE: Before making an investment, you should carefully read the relevant Funding Request and offering documents. You should seek advice from professional advisers if you are in any doubt whether to participate in a Funding Request. In particular, we recommend you to seek professional advice regarding the suitability of the investment product, taking into account your specific investment objectives, financial situation or particular needs, before you make a commitment to participate in an investment. It is your sole responsibility, and for your own account, to assess the sufficiency or credibility and independently verify any information provided in the Funding Request.

What currency do I invest in?

The main currency for investments on Minterest platform is Singapore Dollars. For most of the real estate investments offers on Minterest Platform, currency risks are hedged to ensure investment returns are not affected by fluctuations in the currency markets.

What kind of returns can I expect to gain?

The returns can range from 4.8% - 9.8% p.a., depending on tenor and risk profile of each investment. Investments with longer tenor or carry equity risk may provide higher returns to investors.

Who can be qualified as an accredited investor?

1) If you are an individual, you have to meet one of the minimum requirements:

a) Net personal assets exceeding S$2 million in value, or its equivalent in a foreign currency (the value of the individual's primary residence, net of any secured loan, can only contribute up to S$1 million of the S$2 million threshold);

b) Net personal assets of more than S$1 million in value, or its equivalent in a foreign currency, of financial assets (such as fixed deposits or investment products) net of any related liabilities; or

c) Income in the preceding 12 months of no less than S$300,000, or its equivalent in a foreign currency.

2) If you are a corporation (e.g. family office), you must hold net assets exceeding S$10 million in value (or its equivalent in a foreign currency) as determined by:

a) the most recent audited balance-sheet of the corporation; or where the corporation is not required to prepare audited account regularly, a balance sheet of the corporation certified by the corporation as giving a true and fair view of state of affairs of the corporation as of the date of the balance sheet, of which the date shall be within the preceding 12 months; or

b) a corporation, the sole business of which is to hold investments and the entire share capital of which is owned by one or more persons, each of whom is an accredited investor.

IMPORTANT NOTE: The qualifying criteria applies to everyone regardless whether you are resident in Singapore or in other countries. You must be confirmed as accredited investor in order to have access to details of certain investments which are open only to accredited investors.

What do i do to be a confirmed accredited investor?

You may make the self-declaration during the sign-up process. If you are already a member of Minterest Platform and wish to be treated an accredited investor, you may email us to jennifer@minterest.sg to let us know that you wish to opt-in as an accredited investor.

After you have made the self-declaration or “opt-in” as accredited investor, we will require you to provide us with documents to support that you meet either net asset or net income accreditation requirements. We will review the documents and once they are in order, we will confirm that you are an accredited investor and can view the details of specific transactions and to invest

Please note that: (a) You have to opt-in to be treated as an accredited investor. However, if you later decide to “opt-out” (and even if you are a confirmed accredited investor), we will not be able to show you details of transactions that are exclusive for accredited investors. (b) The confirmation will also be subject to the results of “know-your-customer” checks.


Disclaimer: Important Notice

Minterest Private Limited is incorporated in Singapore with registration no. 201607263W and holds a Capital Markets Services licence (CMS100573-2) issued by the Monetary Authority of Singapore (“MAS”) to deal in securities under the Securities and Futures Act, Cap 289 (“SFA”). All funding arranged via our Platform, unless expressly stated, shall be made under the “small offers exemption” as prescribed under section 272A or "private placement exemption" as prescribed under section 272B of the SFA, and is not made in or accompanied by a prospectus that is registered by the Monetary Authority of Singapore. We do not and will not perform any other activity that is regulated under any applicable Singapore law. In particular, we do not provide any form of investment advice or recommendation to any person. All data available on this website is strictly for information purposes only and should not be regarded as an offer, solicitation, invitation, advice or recommendation on our part to buy or sell any securities or other capital markets product or financial services. We make no representation or warranty (express or implied) as to the accuracy, completeness or quality of any information on this website. Users of this website are advised to seek independent financial, tax and legal advice or make such independent investigations as appropriate in connection with their use of this website. By using this website, you agree to be bound by our Website Terms of Use.

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