Andrew Adriaan

Andrew Adriaan

Andrew has a wealth of experience working with private bankers, advising high net-worth clients on their mortgage matters. As a highly efficient banker, he has won many sales awards during his employment with one of the largest lenders in Singapore.

Why You Should Take Up A Fixed Rate Bank Loan

With definite monthly instalments, a fixed rate bank loan is one of the traditional and most popular choice preferred by most consumers. While some may view fixed rate loan packages to be the more expensive option, Andrew Adriaan believes if taken at the correct timing in the interest rate cycle, it can offer a hedge, security and assurance for clients. Best known for his expertise in managing mortgage portfolios, Andrew is an associate director and a renowned pioneer with over

How To Make Your Money Grow Using the Power of Leverage

Many people view borrowing as debt, but leverage can actually be used as a tool for increasing wealth. That’s because borrowing money for an appreciating asset like real estate is most likely going to increase your net worth. With 12 years of experience working with bankers all over the world, Andrew Adriaan has won numerous awards and is known in the field for his expertise in managing mortgage portfolios. In this article, Andrew shares about using power of leverage, myths

Purchasing an overseas property is not a walk in the park

Many of us share the same ambition and dream to live overseas, often in picturesque countryside offering stunning views that look straight out of a postcard image, a change from the views we see on a daily basis. To many individuals, owning a property overseas may stem from varying reasons, including a holiday home during the holiday seasons, income diversification and even for investment purposes. With Singapore’s slew of property cooling measures including the ABSD and the SSD, local property

How Does The Capitalization Rate Affect My Property Investment Decisions?

Purchasing a property is a big decision, as it is a household’s largest investment. It is especially so for Singaporeans, considering the exorbitant property prices due to our land scarcity. Hence, there has to be careful consideration before investing in property. One of the factors to be considered is the capitalization rate, or cap rate for short. What is a cap rate? Read on to find out what it means and how it affects your property investment decisions! Capitalization Rate

Little Known Facts About International Properties – And Why They Matter

International investments of residential properties are undoubtedly becoming more popular. This is due to the fact that people understand the benefits and importance of diversification, which are to mitigate risks as well as being able to capitalize on opportunities with higher growth potential than the assets available in Singapore. As such, more often to collect extra rental income or capital appreciation rather than occupying the property, there is an increasing number of Singaporeans who seek to purchase overseas properties. If

Battle of the BTOs: November 2020 Launch (Part 2)

This week on Battle of the BTOs, we will be examining the upcoming November BTO launches in the mature estates. We have previously covered the launches in the non-mature estates, namely Sembawang and Tengah, in last week’s article. For those who are undecided between mature and non-mature estates, we hope that the completed series can aid in your decision-making. Now, let us take a look why mature estates are popular among BTO applicants. Mature estates are typically more sought after

An abrupt freeze to a long-standing procedure: URA halts re-issue of Option to Purchase

URA shocked the private property market with its recent news of halting the re-issuing of Option-to-Purchase (OTP). This comes amidst a weakened economy and rising unemployment rates due to the rippling effects of the COVID-19 pandemic. OTPs have commonly been used to indicate demand for housing and when left unregulated and re-issued liberally, this results in an unfair representation of the private property sector and raises housing prices more than proportionally. The indefinite renewals of the OTPs resulted in an

What should you look out for in your home loan?

Buying a new property? Here’s what you need to look out for in your home loan A house is probably the first big ticket item purchase for every young Singaporean chasing the “BTO Dream”. However, having a roof over your head in a city known for its expensive housing requires careful considerations. Here are 6 pointers to take note of before committing to a home loan: Tenure and Loan-to-Value Under the new MAS ruling, tenures for home loans are capped

7 Popular areas for expats to call home in Singapore

While Singapore may not be very big, choosing a suitable area or suburb to call home can still be a daunting task. Furthermore, an ideal neighborhood for some may not be for others. The decision on where to live will likely depend on your lifestyle priorities, amenities in the area, family size, location of workplace, budget as well as space required. Hence, we rounded up 7 different areas in Singapore, each with their own unique appeal and attractions to help

Prime Residential Properties: An Overview of Ultra Luxury Penthouses in Singapore

The concept of a penthouse apartment originated from The Roaring Twenties in the 1920s, when North America, Western Europe and other developed nations experienced strong economic growth and construction boom. This widespread affluence and increased demand for living in the city have given rise to luxury developments on the top floor(s) of buildings – referred to as “bungalows in the sky” by some. In general, penthouses are fully loaded with lavish amenities, higher ceilings, larger floor spaces, superior finishes as