Redbrick Mortgage Advisory

We are the largest independent mortgage advisory firm which provides unbiased advisory from your loans selection, home protection to handling the whole application process.

Redbrick Asks: Bernard Tong, EdgeProp Singapore

When it comes to navigating the real estate market, it is easy to get overwhelmed by the sheer volume of noise, conflicting advice, and fluctuating market trends. To cut through the clutter, we met up with Bernard Tong, the CEO of EdgeProp, to get his pragmatic, data-driven take on property ownership and investing. Bernard shares his candid insights on everything from the myth of “timing the market” to navigating home loans and managing long-term wealth. His advice is a must-read,

Redbrick Mortgage Advisory May 29, 2026

Redbrick Asks: Joanna Sng, The Smart Investor

In the world of investing, we are often taught to hyper-focus on maximizing yield, timing the market, and locking our capital into tangible assets. But how does a seasoned stock market investor view the rigid, highly illiquid world of real estate? To find out, we sat down with Joanna Sng, Co-Founder of The Smart Investor, to get her refreshing, portfolio-driven take on property ownership. Bringing the same long-term, dividend-focused discipline she applies to equities, Joanna strips away the emotional hype

Redbrick Mortgage Advisory May 22, 2026

Home Loan Guide Singapore 2026: Everything First-Time Buyers Need to Know

Last updated: May 2026 | Rates and policy figures reflect current market conditions as of Q2 2026. Always verify current rates with your banker or mortgage advisor before committing. What This Guide Covers Buying your first home in Singapore means making a series of linked financial decisions — and most buyers feel underprepared at each step. This guide walks you through the entire home loan journey in the order decisions actually happen, from choosing between an HDB and bank loan,

Redbrick Mortgage Advisory May 20, 2026

The Ultimate Guide to Refinancing Your Home Loan in Singapore

Contents Last updated: 15 May 2026 What Is Home Loan Refinancing? Home loan refinancing is the process of replacing your existing home loan with a new one, typically with a different lender, to secure better terms or rates. It involves applying for a new loan to pay off your current mortgage, and the new loan may have different interest rates, loan tenure, or repayment structures. Refinancing is commonly done to take advantage of lower interest rates, reduce monthly payments, or

Redbrick Mortgage Advisory May 15, 2026

Additional Buyer’s Stamp Duty (ABSD) in Singapore: The Complete 2026 Guide

Learn how Additional Buyer’s Stamp Duty (ABSD) works in Singapore. Check 2026 ABSD rates, payment rules, exemptions, and planning strategies for your next property. Since the government introduced the ABSD in 2011—alongside earlier cooling measures such as the Buyer’s Stamp Duty (BSD) adjustments and Loan-to-Value (LTV) limits—these policies have gradually shaped the everyday property decisions of Singaporeans. ABSD is an important consideration for property purchases in Singapore, depending on your nationality and how many residential properties you already own. This

Redbrick Mortgage Advisory May 12, 2026

What is the Best Home Loan in Singapore? Compare Rates for 2026

Securing an optimal home loan is no longer just about the lowest number; it’s about timing the market. With SORA rates currently moving upwards, 2026 is a watershed year for refinancing and new purchases. Use Redbrick’s tool to compare over 100 home loan packages across 16 banks. Jump links: Best Rates Today • Find Your Match • Best Mortgage Loans • Buyer Type Paths • Eligibility • HDB vs Bank • Application Process • SORA Guide • Refinancing • FAQs

Redbrick Mortgage Advisory May 11, 2026

Home Loan Eligibility in Singapore: Instantly Find Out How Much You Can Borrow

How much home loan can I get in Singapore? Most Singapore home buyers can borrow up to a percentage of their income under Monetary Authority of Singapore (MAS) rules. Use Redbrick’s free Home Loan Eligibility Calculator to instantly see how much you may be able to borrow based on your salary, debts, and property type. 1. Use Our Home Loan Eligibility Calculator Skip the complicated math and long bank forms. In just a few quick steps, you can see how

Redbrick Mortgage Advisory May 11, 2026

Mortgage Servicing Ratio (MSR) Singapore: Rules for HDB and EC Housing Loans in 2026

When you are planning to buy an HDB flat or an Executive Condominium (EC), one of the first questions that comes up is simple: how much can you actually afford to repay each month? The Mortgage Servicing Ratio (MSR) sits right at the centre of that decision, shaping how much you can borrow, how heavy your monthly instalments may be, how much CPF you may want to use, and whether your chosen BTO flat, resale HDB, or Executive Condominium (EC)

Redbrick Mortgage Advisory May 8, 2026

TDSR Singapore: A Complete Guide for Homebuyers and Property Owners

Learn how TDSR in Singapore affects your home loan. Understand how it’s calculated, how it differs from MSR, and how to improve it. Many buyers start their home search on property portals, then use bank loan calculators to estimate potential monthly repayments. The numbers seem to add up, until the bank’s actual loan offer doesn’t match what they expected. That gap often comes down to the Total Debt Servicing Ratio (TDSR). This number determines how much of your income can

Redbrick Mortgage Advisory May 5, 2026

From Humble Beginnings to $10 Million: How Smart Property Moves Led to Jack and Jill’s Financial Freedom

Have you ever looked at your parents’ or even your own financial journey and wondered if there was a different path, a smarter way to build wealth? What if you could achieve financial freedom, retire comfortably with significant assets, and generate substantial passive income, all without ever touching your hard-earned savings? Meet Jack and Jill. Their story isn’t about winning the lottery or inheriting a fortune. It’s about a series of calculated decisions, starting with their very first home, that

Redbrick Mortgage Advisory October 16, 2025