Wren Lim

Wren worked as a category manager in an SME firm after graduating in Economics and Finance. In his 1.5 years there, he dealt with corporate clients such as 7-Eleven and Cold Storage. After which, he moved over to UOB Business Banking for 1 year where he served SME owners via commercial/ industrial property purchases, term loans for business expansions and built lasting relationships with clients along the way.

Should You Buy Bigger Now, or Just Buy Enough?

It usually happens on a weeknight. Dinner’s cleared, the toddler is finally asleep, and one of you opens the laptop “just to look.” Twenty minutes into scrolling listings, somebody says it out loud. “Should we stretch and get something bigger? Or just get something that’s enough?” First, “bigger” doesn’t always mean more space Sometimes bigger is literal. A 4-room HDB to a 5-room. One more bedroom, a bit more room to grow into. Sometimes it’s a change of category altogether.

Wren Lim September 18, 2026

Pay More, or Extend Your Mortgage? The Simple Math That Decides For You

When it comes to your home loan, a question that separates the savers from the investors is: “Should I pay more every month to clear my loan faster, or keep my monthly instalments low and use my money elsewhere?” It’s a deceptively simple question, but the answer has a huge impact on your total wealth. The right choice for you depends entirely on your money mindset, your financial discipline, and a little bit of simple math. Let’s break down the

Wren Lim May 19, 2026

Why Your Home Can Get You a Cheaper Car Loan (And Save You Thousands)

Let’s face it — in Singapore, cars are a financial black hole. Between the COE rollercoaster, taxes, and the cost of parking, the real price of owning one often goes far beyond the showroom sticker. But here’s a financial move that sounds crazy at first: you can use your home to pay for your car. Yes, I know — on the surface, the two seem unrelated. But when you look at the numbers, you’ll see a simple truth most people

Wren Lim November 29, 2025

What Does It Mean If You Are A Guarantor?

Has anyone asked you to be their loan guarantor? This decision to become a loan guarantor should be considered carefully and today, we will look into the details that you should be aware of before taking on the responsibility of being someone’s guarantor. Being a guarantor for someone means agreeing to bear the responsibility of paying off the original borrower’s loan obligations if they default on their loan or are unable to pay. This essentially means that the legal obligation

Wren Lim May 24, 2024

What Are The Different Types Of Private And Landed Properties In Singapore?

As we all know, a large majority of Singapore’s land is owned by the Government. This makes landed property a popular (though expensive) option for many future homeowners. If you are one of the many who want to own private or landed property in Singapore, yet are confused about the many foreign terms, fret not! Continue reading on, and hopefully, your doubts will be cleared. What is Private Property? To make things simple, we will split properties in Singapore to

Wren Lim November 23, 2022

Are you applying for a BTO in 2021 for the first time?

As we usher in the year of the Ox in 2021, you may be heavily contemplating if applying for a Built-to-Order (BTO) flat would be a wise choice. Indeed, purchasing a home is a big-ticket item and for many Singaporeans, one of their largest investment. During 2020, the pandemic disrupted the sales exercise for Built-to-Order (BTO) flats islandwide. Due to Covid-19 restrictions, the sales launch slated for May was combined with August and November BTO exercises. Housing and Development Board

Wren Lim February 24, 2021

I am a student, can I apply for a BTO?

If you are one of the lucky few and have found the love of your life during your university years, you may be thinking of getting a Build-to-Order (BTO) flat with your partner. Since BTOs take about roughly 3 years to be built, applying early may be ideal so that you can move in as soon as possible (or upon graduation) with your partner. However, if both you and your partner are currently full-time students, can you actually apply for

Wren Lim February 9, 2020

Why are prices of resale HDBs not increasing despite spike in transactions?

If you have been keeping a close watch on the resale transaction market, you will have noticed that between April and June this year, the number of resale applications rose by 29.8% from 4835 to 6276. The figure this year was also 5.6% higher than the resale transaction in the second quarter of 2018. However, despite the rise in the number of applications, we do not see the same increase in resale prices. Instead, there was a decrease in price

Wren Lim December 6, 2019