Jo'An Tan

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.

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

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

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

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

Will co-working spaces be a fad or the future?

Co-working has been a recent, but exponentially growing force in the office space market. So, what exactly is a co-working space? It is essentially a shared workplace, whereby people belonging to different companies and professions occupy the same office. Co-working spaces tend to have specialized interior designs and environments, in the bid to facilitate a certain type of work culture that is different from traditional office spaces. The rapid growth of co-working spaces has warranted cries about there being a

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,

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

What you need to know when investing in commercial property in Singapore

At a fundamental level, owning commercial property for investment purposes is much like renting out a residential property – you, the landlord, own a property and rent it out to the tenant for monthly cash flows. In Singapore, there are 2 types of non-residential properties: industrial and commercial properties. Firstly, commercial properties include retail shops, offices, medical suites and shophouses. Secondly, industrial refers to workspaces such as B1 (offices, warehouses) and B2 (factories). If you are considering buying a commercial

Does DBS Reverse Mortgage Loan Equate To Care-Free Retirement?

On 29 June 2013, the government released the Total Debt Servicing Ratio (TSDR) framework in which, borrowers would have to fulfil a strict assessment to obtain their desired loan amount. This meant that the amount an individual could borrow would be limited to his ability to service all their loans within the portfolio, based on monthly income. Now this may not appear as alarming news for employed homeowners who are earning a monthly salary. However, through Singapore’s rising housing prices

How to pet-proof your home

Pet ownership in Singapore has steadily increased over the past years. A Business Times article states that Singapore’s pet dogs and cats have grown about 19% in 5 years, reaching 196,000 in 2019. The covid-19 pandemic also sees more house owners getting a pet as a companion as there were more time spent at home due to the work from home arrangement.       Having a pet is a responsibility not to be taken lightly as it is similar to having