Jo'An Tan

Jo’An started her career helping clients with their loan positioning by sharing with them on the macroeconomy outlook. Having performed above and beyond her duties, the advisory role she took on has earned her multiple awards at the local banks. As one of the pioneering advisors with Redbrick Mortgage Advisory, she has personally structured over $900M worth of loans across 900 properties; by no means an easy feat and a strong testament to her ability and achievements.

Beyond the Condo: 7 Reasons Why Savvy Investors Are Buying Commercial Property

For decades, the standard play for a property investor in Singapore has been the same: buy a residential condo, wait for the price to appreciate, and collect a modest rental income along the way. But what if there was a better way? An asset class that offers higher yields, fewer headaches, and significant tax advantages? What your property agent might not tell you is that more savvy investors are looking beyond the condo and into the commercial property market. Here’s

Jo'An Tan December 30, 2025

Refinance Your Home Loan: A Guide to Lowering Your Mortgage Payments

Considering to refinance your home loan can be a wise financial decision, particularly if you want to decrease your monthly payments or obtain more favourable terms. Refinancing provides an opportunity to improve your financial situation as mortgage rates vary and personal circumstances evolve. This guide will take you through the fundamentals of refinancing a home loan, why you should consider it, and the key benefits it offers. What is Refinancing? Refinancing a home loan involves replacing your current mortgage with

Jo'An Tan May 27, 2025

7 reasons why you should be investing in commercial properties instead of residential properties

When most Singaporeans think of investing in property, they typically turn to residential properties, before starting to worry about other issues like Additional Buyer Stamp Duty (ABSD), alongside a volatile tenancy market. But what if these issues could be minimised if you turn to another property sub-market, and invest in commercial properties instead? If you’re sceptical, keep reading because this article will tell you 7 reasons why you should invest in commercial properties today. 1. Upkeep and furnishing of properties

Jo'An Tan November 25, 2024

11 Benefits of Owning Properties Under a Company

Singaporeans have always had a fascination for Real Estate properties. Yet, most investors only consider owning these properties as an individual. After all, that seems to be the most straightforward way. But what if there are better options that offer higher yield, such as incorporating a company? If you are puzzled on why, keep reading to find out the benefits of owning properties under a company as opposed to an individual. 1. Tenor Under residential properties, Income Weighted Average Age,

Jo'An Tan May 31, 2024

Sale of Balance Flats – What is it and how can I apply for it?

What happens to HDB flats left unsold in previous launches? Do they sit empty? If you’re looking to ditch the years long BTO wait and secure your dream home faster, the HDB Sale of Balance Flats (SBF) might just be your key! In this article, we’ll be taking you through the process of how you can apply for one and how you can boost your chances of securing a SBF flat. What is the Sale of Balance Flats (SBF) and

Jo'An Tan February 7, 2024

Conservation Shophouses in Singapore: All You Need to Know

Beyond conservation shophouses as part of our landscape, they are financial assets too. If you are keen to own one, read on to find out more. Along the picturesque streets of Chinatown, conservation shophouses have always been a highlight of Singapore’s streetscape especially in conserved areas. Beyond seeing it as part of our landscape, shophouses are also great financial assets yet not many have explored the value of it. If you are interested in owning a piece of history for

Jo'An Tan November 29, 2023

Assessing Property Locations: Districts and Regions in Singapore

Districts and Regions in Singapore Assessing property locations? Have you ever wondered how districts and regions in Singapore are divided? Though we are a small nation state, Singapore is divided into 28 districts and 5 regions. The 5 regions subdivided by the Urban Redevelopment Authority (“URA”) are: Central, East, North-East, North, and West. These regions cover a total of 55 planning areas which come with their own detailed development guide! Districts on the other hand are derived from postal districts,

Jo'An Tan August 23, 2023

Property Loans for Companies in Singapore: A Complete Guide to Securing Financing for Your Business

Singapore is a vibrant business hub with a thriving real estate industry. Many businesses require property to operate and acquiring commercial / industrial property is often a significant financial investment. Most companies, especially small and medium-sized enterprises (SMEs), may not have enough capital to purchase property outright, which is why property loans for companies are necessary. This article will guide you through everything you need to know about property loans for companies in Singapore Understanding Property Loans for Companies Property

Jo'An Tan May 31, 2023

3 Important Things To Take Note When Taking Up Rental Space

With evolving customer taste and preference, more and more business enthusiasts and entrepreneur wannabes are taking the chance to jump on the bandwagon in the hopes of becoming the next big brand. While many retail brands have taken to the e-commerce space, using social media platforms and the internet to market their products, the idea of taking up rental space in a physical store still sounds pretty exciting, giving a sense of ownership, pride and legitimacy. However, we have all

Jo'An Tan January 18, 2023

Understanding Property Tax In Singapore

What Is Property Tax & Why Does It Matter? Property Tax in Singapore is a wealth tax levied on property ownership. It is not a tax on rental income. It is levied on the ownership of properties, irrespective of whether the property is occupied or vacant. This is a recurring tax and the amount of tax payable depends on 2 factors: 1) Property type 2) Annual value (AV) This property tax is payable annually on 31st Jan and

Jo'An Tan November 30, 2022