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.

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

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 be useful in helping you form decisions and secure a mortgage that is tailored to your specific needs and goals. 1. Financing a property in Australia

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: What is Seller’s Stamp Duty? How much SSD should I pay? How to calculate my holding period? Who is exempt from paying SSD? Firstly, what is it? Seller’s Stamp Duty (SSD) is a residential property tax sellers must pay when selling their

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

Is it really good to buy HDB with spouse as essential occupier?

With the rise in property taxes in efforts to cool the market, more young Singaporeans turn to listing their spouse as an essential occupier instead of co-owning their HDB flat. Who is a HDB Essential Occupier? According to HDB, an essential occupier refers to a family member who is part of a family nucleus, which is necessary to qualify for HDB. This is different from being an owner or co-owner of the flat, as essential occupiers do not have a

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