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.

The Ultimate Guide to Refinancing Your Home Loan in Singapore

Contents Last updated: 8 September 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 September 8, 2026

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

Landing the best home loan today goes beyond chasing the lowest rate — it’s about knowing when to act. As SORA continues its upward climb, 2026 has become a pivotal moment for homeowners weighing a refinance and buyers stepping into the market for the first time. 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

Redbrick Mortgage Advisory September 8, 2026

HDB Loan vs Bank Loan: Which Should You Choose in Singapore?

What is the difference between an HDB loan vs bank loan? An HDB loan is a government-backed housing loan with a stable 2.6% interest rate, while a bank loan is a commercial product with more flexibility and potentially lower but variable rates. As you plan your home purchase, one decision will significantly shape your overall budget:HDB loan vs bank loan — which one should you choose? This decision affects: Understanding the difference between an HDB loan and a bank loan

Redbrick Mortgage Advisory August 28, 2026

Redbrick Asks: Marcus Chu, ERA

While many property seekers view their first purchase as the ultimate destination, Marcus Chu wants you to see it as just the opening step of a much larger journey. As the CEO of ERA Singapore and an industry veteran with over three decades of field experience, Marcus brings a master strategist’s lens to the local real estate landscape. He challenges the traditional “forever home” mindset, urging first-time buyers to secure their very first property with their second one already in

Redbrick Mortgage Advisory July 31, 2026

In Principle Approval (IPA) for Home Loan in Singapore: What It Is and How to Get Mortgage Pre-Approval

Learn how In-Principle Approval (IPA), or mortgage pre-approval, works in Singapore. Understand what banks check, what documents you need, and how to improve your chances of approval. Which is the better way to start buying a home in Singapore: browse listings and estimate your budget yourself, or find out how much a bank is likely to lend before you start viewing? For most buyers, the answer is getting a mortgage pre-approval, also known in Singapore as an In-Principle Approval (IPA).

Redbrick Mortgage Advisory July 13, 2026

Redbrick Asks: Timothy Tay, Stacked

For many Singaporeans, buying real estate is viewed simply through the lens of emotion or pure numbers, but Timothy Tay wants you to look at the broader perspective. As the Editor-in-Chief of Stacked, Timothy brings an incredibly rich depth as a business and real estate journalist. He possesses a rare, bird’s-eye view of Singapore’s fast-evolving housing market. Timothy cuts through casual market speculation to address the hard realities facing buyers today—from navigating the complex minefield of modern real estate jargon

Redbrick Mortgage Advisory July 10, 2026

Redbrick Asks: Alvin Chow, Dr Wealth

Most people walk into a property viewing and ask themselves how the space feels—but Alvin Chow wants you to look deeper and beyond. As the co-founder of Dr. Wealth, Alvin has built his career on factor investing, an entirely data-driven framework that relies on empirical evidence rather than gut instinct. Alvin brings an analytical lens to the Singapore property market. He explains why trying to time the market can end up being “penny wise and pound foolish”, how to use

Redbrick Mortgage Advisory June 23, 2026

Redbrick Asks: Seow Kek Wee, Unicorn Financial Solutions

In a world obsessed with quick returns and maxing out leverage, Seow Kek Wee offers a refreshing—and vital—dose of financial reality. As the Chief Investment Officer at Unicorn Financial Solutions, Kek Wee brings over two decades of wealth management experience to the table, taking this interview at The Arizon on Geylang Road. From his sanctuary in Sembawang to the Warren Buffett frameworks, Kek Wee shares his deeply principled philosophy on wealth. Dive into his candid insights to discover why buying

Redbrick Mortgage Advisory June 12, 2026

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