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Reverse Mortgage – Did DBS Successfully Bring Back Reverse Mortgages?

May 24, 2023

Reverse mortgages are not new in Singapore – after being discontinued in 2009. Why is it then that it has been brought back to life again in 2021? And how has it been doing so far? If you’re curious to know more about it, read on as we guide you through the world of reverse

HDB Essential Occupier – Is This The Right Manner Of Holding For Me?

April 19, 2023

Essential Occupier – a term that constantly pops up on HDB’s website when you search for grants and schemes. But, what is it? Read on to learn more about the HDB essential occupier, as well as the pros and cons of structuring your home purchase under this arrangement . Who are essential occupiers? An essential

Benefits Of A Longer Loan Tenure

March 22, 2023

When it comes to buying a home in Singapore, one of the major decisions that you will have to make is the length of your home loan tenure. While some may opt for shorter tenures, such as a 15-year loan, there are many benefits of choosing a longer tenure, such as a 30-year loan. This

Unsecured Credit Explained: What You Need to Know To Stay Compliant

March 15, 2023

In a recent article, we introduced the differences between secured and unsecured loans. A secured loan is one that is backed by an asset which serves as collateral, similar to a housing loan. In contrast, unsecured credit is not backed by any asset, and intrinsically poses a greater credit risk to the lender. To compensate

Is Borrowing The Right Decision?

March 8, 2023

With the high cost of homes and the rising price of large-ticket items, many have touted Singaporeans to be “asset rich but cash poor”. A lot more goes into one’s financial considerations, and with the increasing rate of financial literacy among the younger population, attitudes towards borrowing and taking loans have moved away from being

How Does My Credit Score Affect My Home Loan?

March 1, 2023

In recent years, lower interest rates have lured many optimistic investors to take on debt in order to invest and potentially earn higher returns. While this ‘sure-win’ technique many investments gurus swear by has created success, it has also resulted in some individuals losing their homes due to loan repayment struggles. Most of us are

The Best Mortgage Calculator in Singapore

February 22, 2023

The purchase of a home is a significant adult milestone. Purchasing a house is a large-ticket item and its imperative that plan your finances well. This is to ensure that you are purchasing within your budget so that your financial commitments are sustainable and flexible to meet with your changing needs. Most home buyers will

3 Important Things To Take Note When Taking Up Rental Space

January 18, 2023

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

Is Getting Mortgage Advice Necessary?

January 4, 2023

For many of us, real estate is likely one of the most expensive assets that you will ever purchase in your lifetime. This is even more true in Singapore, where property prices keep getting higher. Whether you are seeking to purchase your next property for investment purposes or to upgrade your property, mortgage advice would