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

Andrew Adriaan August 31, 2022

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

Andrew Adriaan February 23, 2022

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

Andrew Adriaan November 24, 2021

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

Andrew Adriaan September 8, 2021

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

Andrew Adriaan July 21, 2021

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

Andrew Adriaan June 9, 2021

An eye for opportunity: How to spot potential en-bloc properties?

An e-bloc is every private property owner’s dream come true. For those who are unfamiliar with the local real estate scene, en-bloc is otherwise known as a collective sale of an entire stack of properties together and applies only to private properties here in Singapore! En-bloc opportunities are rare but prized, as they often come with handsome compensation amounts handed out by willing private developers to property owners and thereafter, demolish the current property to rebuild a new project which

Andrew Adriaan April 28, 2021

February 2021 BTO Sales Launch: Tengah – The hidden gem of the West

If you have been an avid follower of the quarterly Built-to-order (BTO) sales launches, you would be quick to notice that Tengah has been on the list of options for the past few months, offering brand new flats in the thousands. Many have raised their eyebrows when it comes to the sale prices of flats in Tengah, with some rivaling or surpassing similar sized comparisons in more mature estates like Woodlands. While Tengah on Google Maps can seem pretty bleak

Andrew Adriaan February 3, 2021

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

Andrew Adriaan November 11, 2020

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

Andrew Adriaan October 8, 2020