Updated September 28, 2026 · BorrowCue Editorial Team
ARUHI vs Global Mortgage Group
Where ARUHI and Global Mortgage Group differ
| Compare |  ARUHI | Global Mortgage Group ReviewSee alternativesSee alternatives |
|---|---|---|
| Initial rate | 2.14%Lower | 4.88% |
| Fixed period | 20 yearsHigher | 1 to 2 years |
| Maximum loan to value | 100%Higher | 70% to 80% |
| Purpose | Purchase, Remortgage | Purchase, Remortgage, Buy to let, Equity release, Home equityCovers more |
| Lender type | Direct lender | Broker |
| Product fee | ¥220,000 | Not confirmed |
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Key differences
- ARUHI scores higher overall: 9.0 vs 8.4.
- Founded is lower at ARUHI: 2000 vs 2018 to 2019.
- Global Mortgage Group is available in 9 more countries.
- Initial rate is lower at ARUHI: 2.14% vs 4.88%.
- Fixed period is higher at ARUHI: 20 years vs 1 to 2 years.
- Maximum loan to value is higher at ARUHI: 100% vs 70% to 80%.
- Support channels: only ARUHI offers Chat.
- Support channels: only Global Mortgage Group offers Email, Phone.
- Purpose: only Global Mortgage Group offers Buy to let, Equity release, Home equity.
Our verdict on each
ARUHI
ARUHI suits Japanese homebuyers and remortgagors who want one long fixed period and a deposit-free way to clear the balance early. Its 20 fixed period and free early repayment yes sit alongside a rate range of 2.14% to 2.81% on secured lending up to 100%.
Global Mortgage Group
Global Mortgage Group suits property investors and developers who need short bridging finance arranged through a broker, not a first time buyer shopping a mainstream lender. The initial rate of 4.88% sits near the 4.49% median, while a maximum loan to value of 70% to 80% keeps you supplying more equity than most.
Score breakdown
| Area | ARUHI | Global Mortgage Group |
|---|---|---|
| Cost | 9.0HigherCost rests on a long fixed rate, with the rate range 2.14% to 2.81% and free early repayment yes. | 8.6Initial rate of 4.88% sits near the 4.49% median, but the maximum loan to value of 70% to 80% is below the 90% median. |
| Offer | 9.2HigherBorrowing runs ¥1,000,000 to ¥120,000,000 with maximum loan to value 100%, terms of 180 to 600 and a soft prequalification credit check. | 8.3 |
| Trust | 9.0Higher | 8.1 |
Pick ARUHI if, pick Global Mortgage Group if
Pick ARUHI if cost, offer, trust, initial rate, fixed period, and maximum loan to value matter most.
Pick Global Mortgage Group if purpose matter most.
What it costs in practice
200,000 over 25 years, first year
ARUHI
10,336.88
10,336.88
Global Mortgage Group
13,862.88
13,862.88
ARUHI comes out 3,526 lower in this example.
Excludes product fee (not stated by Global Mortgage Group). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
If neither fits
DKB (Deutsche Kreditbank) has fixed period at 5 to 30 years, against 20 years for ARUHI and 1 to 2 years for Global Mortgage Group.
DKB (Deutsche Kreditbank) reviewHow they place
| Ranking | ARUHI | Global Mortgage Group |
|---|---|---|
| Secured loans | 183 of 473 | 334 of 473 |
| Mortgages | 228 of 716 | 367 of 716 |
| Remortgage deals | 163 of 351 | 264 of 351 |
Every fact side by side
| Fact | ARUHI | Global Mortgage Group |
|---|---|---|
| Legal entity | SBI ARUHI Corporation | Global Mortgage Group Pte. Ltd. |
| Headquarters | Japan | Singapore |
| Founded | 2000Lower | 2018 to 2019 |
| Support channels | Chat | Email, Phone |
Loans
| Fact | ARUHI | Global Mortgage Group |
|---|---|---|
| APR | 2.14% to 2.81% | Not confirmed |
| Loan amount | ¥1,000,000 to ¥120,000,000 | SGD 500,000 to SGD 50,000,000 |
| Term | 180 to 600 monthsHigher | 12 to 24 months |
| Arrangement fee | 2.2% of the loan amount (tax incl.), minimum JPY 220,000 | Not confirmed |
| Credit check | Soft prequal | None |
| Funding time | Not confirmed | Approval in 24-48 hours, funding in 5-10 days |
| Representative example | Flat 35 effective annual rate (実質年率) 15.0% or less; delinquency interest 14.5% per year | Not confirmed |
| Pricing model | Fixed rate | Fixed rate |
| Rate type | Fixed | Fixed |
| Free early repayment | Yes | Yes |
| Eligibility | Applicant under 70 at application (parent-child relay repayment from 70); Japanese nationals, permanent residents or special permanent residents; total repayment ratio within 30% of income under JPY 4m, 35% at JPY 4m or more | No age limit and no income requirement; in Singapore borrowers must qualify as an Accredited Investor |
| Origination fee (%) | 2.2% | Not confirmed |
| Loan types | Secured, Bridging | Bridging, Secured, Business, Debt consolidationCovers more |
Where each stands against the rest
| Fact | ARUHI | Global Mortgage Group | Median |
|---|---|---|---|
| Initial rate | 2.14%lowest quarter | 4.88%above the median | 4.73% |
| Fixed period | 20 yearsabove the median | 1 to 2 yearslowest quarter | 10 years |
| Maximum loan to value | 100%highest quarter | 70% to 80%below the median | 90% |
Median across 286 listed lenders.
Pros and cons
ARUHI
Pros
- Borrowing runs ¥1,000,000 to ¥120,000,000 with maximum loan to value 100%, among the highest on the site
- Free early repayment is yes, so an overpayment carries no penalty
- The rate stays fixed for 20 against a site median of 6.5
Cons
- The origination fee of 2.2% of the loan amount (tax incl.), minimum JPY 220,000 lifts the cost of a smaller loan
- Support runs on chat only
- It is a direct lender in Japan, so the product is a Japanese-market loan
Global Mortgage Group
Pros
- A broker rather than a lender, so bridging, secured and business can be placed with a lender that fits the deal rather than one balance sheet
- Initial rate of 4.88% is close to the 4.49% median across the site
- Repayment runs 12 to 24, short enough to keep a bridging facility tied to one transaction
Cons
- Broker model means 4.88% is the headline guide rate rather than a promise, since the lender is chosen after the application
- A maximum loan to value of 70% to 80% is below the 90% median, so more equity is needed up front
- Support runs on email and phone, a narrower channel list than many lenders offer
Who each suits
ARUHI
Who it suits
- Japanese first-time buyers and movers buying with a deposit in hand
- Remortgagors switching an existing Japanese mortgage to a longer fixed period
- Applicants who want to repay part of the balance early without a charge
Who should look elsewhere
- Borrowers who want a variable or short-term deal, as the rate stays fixed for 20
- Anyone outside Japan, since the lender is registered with the Kanto Local Finance Bureau in Japan
Global Mortgage Group
Who it suits
- Investors and developers buying or selling property who need cash in the gap between completion and the long term loan
- Property holders with equity available who can sit inside the 70% to 80% limit
- People who would rather have a broker place the deal with a lender than approach a lender themselves
Who should look elsewhere
- Buyers wanting a mainstream mortgage offer, because a maximum loan to value of 70% to 80% is tighter than the 90% median
- Cost shoppers, since 4.88% compares with 2.36% and 4% on the same chart
- Borrowers wanting to fix a rate on their own terms, because 12 to 24 only covers a short bridge and broker means the lender decides the final rate
Current offers
ARUHI
Current offer
Bonus
事務手数料引き下げキャンペーン (administrative fee reduction campaign for online applications): 事務手数料の引き下げ
Webからのご応募で事務手数料を割引（2026年3月開始キャンペーン）
Source, checked September 26, 2026
First period offer
金利引き下げ制度（子育てプラス）: 当初5年間 最大▲1.00% 金利引き下げ（例: 15年～20年 2.140% → 期間終了後 3.140%）
2026年9月実行金利／団信J加入／新規融資比率9割以下／当初5年間1.00%金利引き下げ
Source, checked September 26, 2026
Country by country
| Country | ARUHI | Global Mortgage Group |
|---|---|---|
| Australia | No | Yes |
| Canada | No | Yes |
| France | No | Yes |
| Hong Kong | No | Yes |
| Ireland | No | Yes |
| Japan | Yes | No |
| Singapore | No | Yes |
| Spain | No | Yes |
8 of 11 countries where either is available.
Questions about each
ARUHI
What rate does ARUHI charge on its fixed rate home loan?+
The rate is fixed across the whole term, and the listed range is 2.14% to 2.81%. Entry sits at an initial rate of 2.14%, and the representative example caps the effective annual rate while charging a higher delinquency rate on missed payments.
How long is the interest rate fixed for?+
The rate is held fixed for 20, which is well past the site median of 6.5. ARUHI ranks at 61 of 259 brands on fixed period, so the long lock is the standout feature.
Global Mortgage Group
What is the initial rate?+
The initial rate is 4.88% and the rate type is fixed. That is close to the 4.49% median across the site. Since this is a broker, treat it as the starting point for a placement rather than a final offer, because the lender is chosen after the application.
Is this a lender or a broker?+
It is a broker, not a lender. The money is arranged with a lender that the broker places you with, and the legal entity is Global Mortgage Group Pte. Ltd.. That arrangement is why the headline rate can change, and why the property behind the loan matters more than a credit score.