Mortgage Master holds an Open House to answer your questions and comments! Why is a mortgage compulsory? How much will you need for a house in Singapore? What's the HDB loan hack that nobody knows about?? That, and more. As always, if you have any comments or questions you didn't hear on this episode, send it over to us at [email protected]

Look, we get it. When people shop, we look at the item first, THEN the price. It's normal. However, you'd normally still have a budget to follow. $250 for a shirt?! No thanks. 

When it comes to housing, you MUST also know what's your budget. It's not as simple as seeing what the price is of the house, because you won't pay all of that immediately. But rather, what you'll have to find out is what's the amount you can comfortably pay EVERY MONTH for the NEXT 25 YEARS. THAT'S 300 PAYMENTS. In this episode, we teach you what's the 1 thing you SHOULD do to ensure a smooth housing journey.

The Population Census was released just last week. In summary, population numbers increased, singlehood increased, birth rates and marriages are decreasing. BUT, the most important question is - WHAT DOES THIS ALL MEAN?

In today's episode, we discuss the possible implications that these figures have, and what changes could arise and be implemented in the next 10 years. How does rental and housing prices get affected? Is a certain political figure right in couples just needing 'a small space'? And is BTO going to be dominated by 2-room flats? We answer all of these.

The whole world of personal finance branches out to many aspects like savings, loans, retirement and housing. And yes, they're all inter-connected with each other. In today's episode, we discussed whether it's advisable for using money from our personal emergency stash to pay for a housing downpayment. Before that, we go through what exactly a downpayment and an emergency fund is, and what's the purpose of it. What's the take on an emergency fund? Is 6-months of your expenses really the right way? Is there no importance for an emergency fund for younger people now? Find out more in this episode of Hows 2 House.

Housing in Singapore is complicated af .. we know. What exactly do you need to do when you want to get a house? What do you need to prepare? Where do you have to go? What steps do you have to do? 

In this episode, we discuss the entire BTO process and explain what you have to do at each step, so that you'll know what to expect when you do eventually apply for one. However, we all know that getting a house is much more than logging online and praying to RNGesus. It's the biggest commitment we'll ever have in our life, which will definitely take a mental and emotional toll on us as well. To help you get a better picture of what thought process and emotion you may be feeling throughout the BTO journey, Baey and Peter also reflect and share with us their thoughts, feelings and experiences when they were going through the BTO journey. Finally, we answer crucial questions such as "Why you should ALWAYS take an HDB loan" and "Something every BTO bidder should know" along the episode. 

Ps; apologies for the occasional fan noise in the background. Our suggestion is to also listen to this episode with your fan running so it'll cancel out :)

Refinancing and Repricing aren't generally known terms, especially if you don't own a house. But it's precisely that reason why most Singaporeans (yes, probably your parents too) overpaid on their housing loans. In this episode, we talk EVERYTHING about refinancing/repricing. We discuss what these concepts are, and how it'll apply when you get a house, regardless of where you live. We also explain how you can go about refinancing/repricing, and how easy it actually is (it only takes 2 hours to save $2k/year!!). And lastly, we close off this episode by recounting Mortgage Master's CEO, David Baey's, most memorable refinancing experience, and how he saved a client $3000 a month. 

In today's episode, we discuss when the right time is to buy a house. Is there a certain age? Does it depend on how well the economy is doing? Or is it when your partner starts nagging at you to BTO? Listen to what the ONE factor both our mortgage masters agreed on is the most important when asking about the right timing to purchase a house.

Also, for those who don't intend to get a house soon, we discussed how you could use that as an advantage to make a lil' extra moolah on the side. 

Stay safe everyone.

We're backkkkkkkkk, and we're joined by the CEO of Mortgage Master, David Baey, as a new co-host. In this episode, Baey shares his insights on why property prices aren't dropping even though we're in a pandemic. We also discuss some hard truths as to whether a bubble is coming, who will be affected, and what property agents aren't telling people about housing prices in 2021.

Should you get the Woodlands BTO in May'21? Find out if it's for you. Disclaimer - Figures were calculated at the 2.6% for 25yrs (HDB), and 1.3% for 30yrs (Bank)

Should you get the Tengah BTO in May'21? Find out if it's for you. Disclaimer - Figures were calculated at the 2.6% for 25yrs (HDB), and 1.3% for 30yrs (Bank)