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.

Which Is the Smarter Way to Transfer Wealth?

S$1.3 million. That’s what a 65% Additional Buyer’s Stamp Duty looks like in practice — paid upfront, on a S$2 million property, the moment it’s purchased under a trust. For many Singaporean families, this number arrives as a surprise. The logic of buying property under a trust for a child sounds reasonable on the surface: structured, protected, forward-thinking. It’s the kind of decision that signals you’re planning ahead. What it doesn’t signal — until the stamping stage — is the

Andrew Adriaan June 30, 2026

A Practical Guide to Buying Private Property in Singapore

Updated 05 Mar 2026 Interested in buying a private property? Jump right in as we guide you through the As to Zs of buying a private property, as well as what to consider before purchasing. What Is Considered Private Property in Singapore? There are 2 types of property in Singapore – public housing and private properties. Public housing constitutes HDBs. Private property refers to condominiums, apartments, Executive Condominiums (ECs) and landed property. Executive Condominiums Executive condominiums are unique in a

Andrew Adriaan March 5, 2026

Buying Property in UK: A Singaporean’s Guide

Many Singaporeans dream of buying property overseas, but aside from countries such as Australia and Malaysia, have you thought about buying property in the UK? If you have, look no further as we guide you through the As to Zs of buying property in the UK! UK Property Market The UK property market has seen ups and downs in property values, with housing price inflation recording 0% in May 2024, and 2% in June 2024. However, it is expected to

Andrew Adriaan February 26, 2025

A Comprehensive Guide to Seller’s Stamp Duty (SSD)

You might have heard about Seller’s Stamp Duty (SSD), but what is it exactly? In this article, we will cover everything you need to know about it. Here’s an overview of what will be covered in this article: Firstly, what is it? Seller’s Stamp Duty (SSD) is a residential property tax sellers must pay when selling their property within the holding period of 4 years. The 4-year holding period is calculated from the date you acquire the property. Who has

Andrew Adriaan October 9, 2024

Buying Property in Australia: A Singaporean’s Guide

Thinking of purchasing a property in Australia for investment? Retirement? Look no further, as we answer your queries about buying property in Australia as a foreigner, as well as key considerations you should take into account before investing in one Australia’s Property Market Australia has traditionally been an attractive investment destination for many foreigners, including Singaporeans, due to its strong property market, stable economy, lower lending rates, and high rental yield, amongst other reasons. Research by CoreLogic data revealed that

Andrew Adriaan August 28, 2024

What You Need To Know About Districts & Regions In Singapore

Have you ever wondered about the districts & regions in Singapore – what the terms OCR, RCR and CCR mean? Different parts of Singapore are classified into different regions and districts, designated by the URA. There are 3 regions in Singapore – ‘OCR’, ‘RCR’ and ‘CCR’. Within these regions, there are a total of 28 districts in Singapore. Let’s talk about regions first. As many of us know, Singapore is divided into 5 regions – Central, North, Northeast, East and

Andrew Adriaan August 14, 2024

Savvy Tips When Financing Overseas Properties in Australia, Malaysia and the United Kingdom

What you need to know before financing overseas properties Financing overseas properties can be a complicated process, so it is essential to approach it with caution. It is thus important to know the various factors and considerations involved. Including the local property market, mortgage options, laws and regulations, and financial planning. This article will help you form decisions and secure a mortgage that is tailored to your specific needs and goals. 1. Financing a property in Australia The real estate

Andrew Adriaan February 28, 2024

How Can You Use Leverage For Real Estate Investments?

Many people view borrowing as debt, but leverage can actually be used as a tool for increasing wealth, such as real estate investments. That’s because borrowing money for an appreciating asset like real estate is most likely going to increase your net worth. With 13 years of experience working in banking and finance, 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

Andrew Adriaan August 28, 2023

Buying a family home or investment property in New Zealand

New Zealand is an attractive country for foreigners looking to invest in real estate. The country is known for its natural beauty, diverse landscape, and friendly people, making it a popular destination for those looking for a change of scenery. Additionally, the New Zealand government has made it easy for foreigners to invest in property, with few restrictions and a streamlined process. In this article, we will provide an overview of property types, costs of purchasing and ownership, financing requirements

Andrew Adriaan April 18, 2023

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

Andrew Adriaan August 31, 2022