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Darius Tan

Darius Tan Prior to joining Redbrick, Darius served as a system trainer and mentor in the SAF for 6 years. Subsequently, he transitioned into the F&B industry, where he held managerial roles in Finance & HR for 4 years. “There is no one-size-fits-all plan strategy in real estate financing. Creating a personalized financing strategy and

Benny Yeow

Benny Yeow Before joining Redbrick, Benny started his career in the events industry. He spent several years coordinating and managing a wide range of events, from corporate conferences to luxury product launches. His role involved meticulous planning, seamless execution, and ensuring that each event left a lasting impression on attendees. “Helping individuals and families secure

Anna Tan

Anna Tan After graduating with a double degree in Accountancy and Banking & Finance, Anna started her career as an external auditor in one of the Big Four audit firms. Thereafter, Anna built her career in the banking industry and has a decade of experience in this sector. “With deep knowledge in the banking sector

Pearlyn Seah

Pearlyn Seah Prior to joining Redbrick, Pearlyn was an assistant manager in one of the Big Four accounting firms, managing corporate tax matters for financial services companies. “I value the sense of fulfilment from providing guidance to my clients in finding the right mortgage and secured financing through my sincere advice.” Pearlyn enjoys travelling and

How is TDSR calculated in Singapore?

Singapore’s property market is highly regulated, and borrowers must adhere to strict financial requirements in order to maintain responsible borrowing practices. One essential aspect of assessing affordability in the HDB or Private property market is the Total Debt Servicing Ratio (TDSR). The TDSR serves as a crucial framework implemented by the Monetary Authority of Singapore

Exploring Different Home Loan Options in Singapore

Congratulations, you have decided to buy a house! Now, you may be wondering what the various home loan options are to finance your purchase. Firstly, let’s delve into a comparison of the different types of home loan options in Singapore: fixed rate mortgage and floating rate packages. Fixed rate packages refer to home loans with

Refinancing Your Mortgage in Singapore: Benefits and Considerations

Refinancing your mortgage can be a smart financial move that offers various benefits and opportunities for homeowners in Singapore. Whether you’re looking to take advantage of lower interest rates, change your loan terms, or access equity in your home, refinancing presents a pathway to potentially save money and improve your overall financial situation. However, it’s

Service and Conservancy Charges 101 and Rebates in 2023

Do you know that between 1.5 months to 3.5 months of Service and Conservancy Charges rebates are given out to Singaporean households living in HDB flats every year. But before we deep dive into the government rebates for Service and Conservancy Charges, let’s understand what the fee is for. If you are staying in a

How Can You Use Leverage For Real Estate Investments?

Many people view borrowing as debt, but leverage can actually be used as a tool for increasing wealth, such as real estate investments. That’s because borrowing money for an appreciating asset like real estate is most likely going to increase your net worth. With 13 years of experience working in banking and finance, Andrew Adriaan

National Day Rally 2023: HDB Flats – What has changed?

Prime Minister Lee has announced a change in classification of HDB flats at the 2023 National Day Rally held on 20 August. After PM Lee’s speech, this new form of categorisation has been widely discussed. The words ‘Prime’, ‘Plus’ and ‘Standard’ have been the main subject of discussion popping up amongst Singaporeans’ conversations this past