In this episode, the mortgage boys cover the second half of every type of house in Singapore, specifically the ones in the private property market. What's the panda of houses? What separates an executive condo from a condo? And what's the house that NOBODY can purchase? Tune into this episode to find out more.

A 13-storey building is an HDB flat.

If the building has a swimming pool, it's a condo.

And if it has it's own gates, it's a landed property.

Except I'm missing 20+ other types of houses.

In part 1 of this topic, the mortgage boys are covering every type of public house there is in Singapore. Listen to the knowns, the unknowns and home-growns  units under HDB, while they list out the rooms and sizes to show the comparison and evolution of public housing.

*skip to 39:20 for the TL;DL*

In this episode, the guys do a step-by-step guide on purchasing a resale HDB flat in Singapore. 

Find out which is the most crucial step in this process, and what you could be expecting during the negotiation process between you and the seller. Furthermore, we discuss the use of a housing agent, and what role they play in this transaction.

Big houses, wholesome neighbours, a safe community. None of that will be in this episode.

Today, the guys talk about 3 towns/neighbourhoods in Singapore and whether their name, history and reputation has any impact on their property outlook, in terms of demand and price. Does the infamy of Yishun limit it's potential? Does staying near "undesirable" places like IMH have an impact on nearby residential? And is East Side really Best Side? We answer all, in this episode.

Yishun Interactive Site ➡️ https://www.asiaone.com/singapore/fair-yishun-gets-own-website-detailing-series-unfortunate-events

After more than 2 years, the Feds have decided to resuming raising the interest rates.

While it affects the US, how does it affect us? 

In this episode, we discuss the WHAT, WHEN, WHY, and most importantly, HOW the interest rates will set a ripple for future decisions and implications. Will HDB loans become even more of a default option for homebuyers? Does fixed or variable rate reign superior in this landscape?  And why would the CEO of a mortgage brokerage take a higher rate? We answer all of this in this mega, fan-voted episode. 

Follow us on Spotify and Telegram for more updates.

Refinancing has always been touted as one of the ways to save money on housing loans. But, is this always the case?

In this episode, we discuss if you should always take the lower rate, when you should refinance, when you should NOT refinance, and when repricing is a better option.

Tax tax tax, a bonus and a compulsory saving scheme.

In this episode, we discuss what went down in Budget 2022, and how we feel about it a week after. While this year's talk didn't focus much on property/mortgage, we still found how interdependent these were with other issues raised, such as the carbon tax that's about to sexdectuple (that's 16 times) it's current price, how you may be eligible for a yearly bonus from the Government, and the concept of free electricity from the GST voucher.

It's always tricky to time the market. Heck, it's tricky to time anything. 

But, what if you're able to sense that something might be good, simply because any other possible options suck? 

Unfortunately, that seems to be the case for housing in Singapore, which is what we discussed about today. Why do we speculate 2022 to be the best year to get a resale flat, and what makes it stand out? Will this repeat again in the future? How confident are we that nothing will be as good as this? Find out, in this episode. 

Is credit score really that important?

In this episode, we dive deeper into the umbrella of credit score, credit behaviour and credit standing, and how all of these are interlinked. Which is the important one to take note of? Which ones aren't important? Which one will affect the type of housing loan you can take? 

Not only that, we go further into credit cards. If you have existing credit cards, or you're planning to get one, what's the best route for you to build a credit score? And what can you do to maintain it?

We discuss it all in this episode. 

Are you superstitious? 

In this episode, the guys discuss if they believe in Fengshui, and whether it affects housing. Traditionally known as arranging furniture inside the house, can factors outside the house affect the fengshui as well? Baey also shares his experience as a mortgage consultant in whether he has had any clients being affected by fengshui. We also "debunk" fengshui theories and see which ones actually affect housing, and which do not.