Singapore’s landed market continues to challenge conventional expectations—with prices rising despite high interest rates and broader economic headwinds. This episode breaks down how a $900K capital deployment in 2022 could translate into a 166% gain over three years, and why future price jumps might still be on the table.

Melvin Lim from PropertyLimBrothers brings a data-backed view, referencing recent DBS reports and private wealth migration trends to examine why supply constraints, exit quantum considerations, and intergenerational wealth matter in this segment. He also explores the “split your horses” strategy and how tenants can effectively become your third investor, enabling ROI figures as high as 433% under the right conditions.

For those evaluating landed opportunities, stretching capital across multiple assets, or weighing the role of freehold underdogs in a diversified portfolio, this discussion is one to take notes on.

00:00 Gain is more than 100% over 3 years

How do you make sure your capital actually works for you—and doesn’t just sit idle or worse, lose value? This episode takes a realistic look at opportunity cost, comparing the potential of real estate against dividend-paying stocks, fixed deposits, and other asset classes. It challenges the assumption that property always performs, and instead asks: when does it truly outperform?

Melvin Lim from PropertyLimBrothers explores whether a $500,000 paper margin gain is still achievable in the current market, and what strategies can make it possible. He breaks down common traps like stagnating assets, explains the impact of lease decay, and shares how quadrant-based property selection can change your long-term results. Through examples like penthouse plays and timing your asset exits, this is a strategic guide to deploying capital with intention.

If you’re rethinking where to invest in 2025 or comparing real estate to other vehicles, this discussion offers grounded, practical insight.

00:00 Hook (Opportunity Cost of Investing)

With mortgage rates falling below 2%, property investors face a crucial decision point. Acting too slowly can result in missed opportunities, while premature moves risk capital loss. The ability to preserve capital — not just generate returns — is the first test of any sound investment. In a market shifting back toward seller dominance, understanding timing and asset strength becomes essential.

Melvin Lim from PropertyLimBrothers introduces a six-step framework designed to help investors create property liquidity events with strategic clarity. He breaks down how to assess risk, identify assets with larger exit audiences, and navigate tax inefficiencies such as ABSD. Through practical examples, Melvin explains why waiting for price gains may actually lead to net losses — and how switching into a stronger asset early can unlock long-term upside.

This conversation offers a grounded approach to decision-making in an environment shaped by rate cuts, shifting buyer sentiment, and rising liquidity. If you're planning an upgrade, exit, or portfolio restructure, the insights shared here are both timely and actionable.

00:00 Intro

With interest rates dropping and market conditions shifting, now is the perfect time to reassess your investment strategy.

In this episode of Nuggets On The Go, Co-Founder and CEO of PropertyLimBrothers, Melvin Lim reveals how you can potentially earn 300K in profits while avoiding a costly 100K loss.

Learn the six essential steps for successful property investment, with a focus on capital preservation, tax efficiency, and identifying high-growth opportunities. Discover how to decide between investing in older properties for cash flow or targeting high-growth assets like landed homes and condos. Plus, understand how to select properties with a larger exit audience and avoid those at risk of stagnating in value.

Whether you're just starting your property investment journey or have years of experience, you'll find practical strategies to help you navigate today’s market and maximise your returns.

00:00 Intro

In this episode of Nuggets On The Go, Melvin Lim from PropertyLimBrothers breaks down the mechanics behind mortgage interest structures, refinancing opportunities, and how progressive payment schemes compare with tenanted resale investments.

By using a detailed cost analysis of a $2.35M property, Melvin explains how refinancing at the right time can optimise the principal-to-interest ratio and accelerate loan repayment. He also introduces the “three investor” framework—where the buyer, the bank, and the tenant each play distinct roles in wealth generation. With examples tied to both new launch and resale purchases, this episode offers clarity on how payment structures can impact long-term returns.

If you're reviewing financing options or weighing the real returns on investment properties, this episode offers grounded perspectives.

00:00 – Teaser

The future of Singapore's property market is shaping up to be a dynamic one, with key shifts expected by 2026. A central topic is whether the government will relax the ABSD (Additional Buyer’s Stamp Duty) for foreign buyers, which has been a major factor in the country’s recent drop in rankings for millionaire migration. This could significantly impact the appeal of Singapore as an investment destination for wealthy individuals.

Long-term price forecasts suggest that property prices, especially for landed homes, will continue to rise in the coming years. With projections showing substantial growth in HDBs, landed properties, and condos, the limited supply of landed homes positions them for significant appreciation. In this episode of Nuggets on the Go, Melvin Lim dives into these trends and what they mean for investors and homeowners.

Additionally, the effects of cooling measures and TDSR regulations on property sizes and market behaviour are explored. As new projects come to market in 2026, understanding these regulatory impacts and market shifts is key to making informed investment decisions in the evolving landscape.

A $2.35M investment property sets the stage for a clear-eyed case study on how loan structuring and tenant-backed income can deliver meaningful returns over four years. With just $900 a month in owner contribution, the breakdown shows how two co-investors — the bank and your tenant — can effectively build your equity while keeping cashflow disciplined.

Melvin Lim from PropertyLimBrothers dives into the numbers, sharing how interest rate strategies like going floating first can work in your favour. From upfront costs to monthly instalments and eventual exit value, this episode lays out a practical roadmap for anyone looking to scale through real estate investment.

If you’re exploring property as a mid-term vehicle or planning your next move after HDB, this episode offers grounded, actionable insights.

In this episode of Nuggets On The Go, Melvin Lim from PropertyLimBrothers explores how to move from a modest property base—say an HDB or BTO—for a disciplined real‑estate portfolio that can grow meaningfully over decades. They introduce the concept of the Equity Triangle and walk through a real‑world case study of how a family scaled from roughly S$800 k in property value to about S$6.5 million by combining utility assets (for stay) with investment properties, and carefully calibrating leverage and timing.

They emphasise key strategic themes: choosing asset classes you understand, avoiding over‑diversification that undermines discipline, leveraging “set and forget” real‑estate instruments with appreciation potential, and recognising the co‑investor model where the bank and tenant help you expand. By age 55,  you may want freedom and choice—and this episode shows how the journey can begin with one stay‑home and one rental property.

0:00 – Teaser

In this episode of Nuggets On The Go, Melvin Lim from PropertyLimBrothers reveals the often-overlooked mechanics behind successful real estate investment—framing the bank and the tenant as your silent co-investors. Through a detailed financial walkthrough, he illustrates how leverage, structured repayments, and tenant contributions combine to create a capital-efficient strategy that multiplies returns.

Using a hypothetical $2 million property, Melvin Lim compares fully paid versus leveraged scenarios, breaking down how $500,000 in equity, paired with bank financing and rental income, can unlock over $1.1 million in value over time. The discussion also highlights the role of cash flow, principal amortisation, and risk management in maintaining healthy property investments.

For those considering a leveraged property purchase, navigating rental yield gaps, or exploring tenant-supported ownership models, this episode offers grounded perspectives.

0:00 - Introduction: The Two Investors in Your Real Estate Journey

Is Singapore real estate overpriced in 2025? By examining long-term price trends, transaction volumes and interest rate movements, the conversation moves beyond general assumptions to reveal what’s truly shaping the market today.

In this episode, Melvin Lim explores why average growth figures—such as 5% per year—don’t reflect ground realities. Segmenting by asset type and district reveals a sharp contrast between properties that have surged and those that have stagnated. With key frameworks like quantum pricing and the impact of policy harmonisation, this episode draws a macro-level view on why Singapore’s pricing remains resilient, and how the psychology of ownership plays a pivotal role.

If you’re navigating capital allocation, planning an entry in Q4 2025, or considering holding strategies into 2030, this episode offers grounded perspectives.