Gugenia Tan

Prior to joining Redbrick as a mortgage advisor, Gugenia was a project manager in a creative agency that catered to Singapore's vibrant F&B industry. She values the sense of purpose that comes with helping people achieve their dreams of homeownership.

Comprehensive Guide to Mortgages for Self-Employed Individuals in Singapore (2026 Update)

Updated 03 Mar 2026 Securing a mortgage as a self-employed individual in Singapore has traditionally been more complex than for salaried employees. Banks act with caution when approving loans for variable income earners, needing assurance that borrowers can meet repayment obligations consistently. However, the landscape in 2026 offers both new challenges and clearer pathways. While stricter loan-to-value limits and interest rate shifts define the market, new regulations like the Platform Workers Bill are helping some self-employed individuals build stronger income

Gugenia Tan March 3, 2026

Freehold vs Leasehold – What’s the difference?

You might be familiar with the terms freehold and leasehold. But do you know what these terms actually entail? In this article, we’ll break these down for you. What are the types of home ownership in Singapore? There are two different types of home ownership – freehold and leasehold. Owners of freehold property have full ownership of the land for an indefinite period of time. This means that you will be able to pass down your property to the next

Gugenia Tan December 13, 2023