NOTG - Nuggets on the Go

NOTG - Nuggets on the Go

By PropertyLimBrothersEducation
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NOTG - Nuggets on the Go episodes

  • #124 The 6 Possible Routes To Can Take After A $1M Property Profit

    Jason and Elaine bought their Bartley Ridge condo in 2013 for $1.665 mil. Today, it’s worth around $2.7 mil—a gain of over $1.1 mil on paper. They’re in their mid-40s, their kids are growing, and their mortgage is a manageable $4.9K a month. On the surface, everything seems stable. But when a property has already delivered this level of upside, the real question becomes: has it already fulfilled its role? And if it has—what’s the best next move?

     

    In this episode, Melvin, Jesley, and Jun Wei from PropertyLimBrothers walk through six possible directions this couple could take. Understand the options as they analyse the numbers, trade-offs, and long-term implications of each route. For those who entered the private market a decade ago and are now sitting on significant equity, just like Jason and Elaine, this episode offers a rare lens into what that capital can still unlock. Not every property needs to be sold, but every profitable one deserves to be re-evaluated—before the next window closes.

     

    00:00 Intro

    01:24 Recap
    03:50 NOTG new setup
    04:41 Autumn Season Profile Strategy
    06:50 Do-Nothing Strategy
    15:47 Knowledge if you want to get into investing stocks
    17:08 Looking at investing in real estate
    23:22 Human behaviours for the stock market
    24:18 Jesley's property investment nightmare
    31:02 Next stronger asset
    32:10 Decouple, rent out, and buy a new condo strategy
    47:08 Melvin forces his employees to buy a property
    52:44 Pivot Play Strategy
    1:02:55 Parent 10% income tax
    1:05:40 Sell current property & buy HDB Strategy
    1:14:58 Presenters recommendation
    1:17:16 Jun Wei did a lot of work for Symphony Suites
    1:22:00 Closing
    1:22:16 Outtakes

    1 hr 23 min
  • #123 Landed vs Two Condos? How to Optimise CPF and Apply 99-1 Ownership for Better Growth

    00:00 Intro

    01:30 Profile preview / AI Picture
    02:40 Background
    04:36 Financial Snapshot
    05:50 Pros & Cons using CPF
    08:17 Knowing your maximum budget
    11:15 99-1 property scheme
    14:26 Impact of tariffs
    16:50 Stretch tenure
    20:41 Showing funds to stretch the long amount
    23:44 "Stretch tenure" meaning
    27:30 Paying more interest if you do not stretch tenure
    30:44 How much you should earn per month to own two properties?
    32:35 Depending more on Active Income
    36:59 $12K per month ENOUGH?!
    39:43 Taking risk to own two properties
    41:30 $4.2M, what will you buy?
    46:08 Financial breakdown before buying a landed property
    50:45 Donald Trump impression
    51:02 Closing words
    51:30 Outtakes

    52 min
  • #122 NOTG New Launch Ballot Luck, Comparison With Resale & Market Fear Explained

    Is 2025 really the best time to buy property—or the worst? In this episode, Alfred, Jesley, and Yu Rong from PropertyLimBrothers break down what’s driving buying behaviour this year, from the truth behind ballot “luck” to how entry price can make or break your returns. They revisit the MOAT strategy and explain why picking the right project, price, and unit matters more than ever in today’s unpredictable market.

     

    They also weigh in on how global factors like US tariffs, equity pullbacks, and crypto swings are outlining local sentiment—and how savvy buyers can turn fear into opportunity. Stuck between new launch and resale options or rethinking your timing? Watch on to learn how to buy with confidence by reading real market signals.

     

    00:00 Intro

    00:41 New launches are all luck
    03:30 Changing your luck
    05:18 MOAT Analysis 11 Factors
    08:08 Most important factor for resale investment properties
    15:46 Picking a resale private property
    16:30 US tariffs will affect the real estate market
    23:56 Using fears to negotiate
    29:58 Growth of real estate market
    33:30 Closing words
    37:40 Outtakes

    38 min
  • #121 Who Really Controls Property Valuations? And How to Spot Undervalued Units Today

    Property valuations—who decides? In this episode of NOTG, Alfred, Jesley, and Yu Rong from PropertyLimBrothers break down the real story behind property valuations—and why they often don’t match what you see on paper. They talk about how valuations are formed, what influences them, and when it makes sense to challenge the numbers.

     

    Learn how to interpret gaps, justify prices, and identify undervalued listings with growth potential across all properties. And if you’ve ever wondered how buyers ‘beat’ bank valuations or why sellers struggle to justify their asking price, find out in this episode!

     

    00:00 Introduction

    01:01 Beating a banker's valuation
    03:58 Knowing if it's the right valuation?
    06:01 How bankers give you the valuation data
    10:24 Renovations contributes more to Condos and landed properties
    11:50 Why landed properties are hard to valuate?
    12:33 Important key points to help out valuation of the house
    18:17 Hiring a PRIVATE Valuer
    22:25 Is it going to be more common for landed homes valuation to base more on built-up rather than land size?
    25:41 Understanding valuation more for resale properties
    27:25 Framework to check if a property is undervalued
    35:35 Headline case in the property will affect the pricing?
    37:48 Disparity effect
    41:09 Part 2
    41:48 Outtakes

    42 min
  • #120 New Launch FOMO, HDB Price Psychology & Are Superstitions Still a Dealbreaker?

    A new launch sells out almost instantly — and suddenly, resale listings nearby vanish, only to reappear at a higher price. In this episode of Nuggets On The Go, Melvin Lim, Phyllis Goh and Shawn Tay talk about how launch activity can trigger sudden PSF shifts in surrounding developments, creating a domino effect in buyer behaviour.

     

    They also explore why some homebuyers justify paying $35,000 more for a high-floor unit, and how pricing psychology plays a bigger role than most think. Hear about the hidden mental shortcuts could outline today’s market more than fundamentals alone, such as cognitive or psychological prices bias to the breakdown of cost-per-month.

     

    And just when you think buyers have moved past superstition, certain numbers, layouts, and cultural beliefs still influence demand and resale outcomes. Find out how all these soft factors stack up against hard data in today’s home-buying landscape.

     

    00:00 Intro

    00:37 Catalysts for appreciation, HDB vs Private (Continued)
    05:57 The "Volume Effect"
    10:11 PLB's Secret Weapon
    12:05 Floor level superstition
    14:50 Floorplan superstition
    17:24 Cultural norms and property investment/buying
    18:44 Question - What properties you have seen that are a solid price point and why?
    20:52 The "Big Brother, Small Brother" Effect and examples
    25:42 Question - Do you think about buying/living in properties next to religious sites?
    30:35 Closing statements
    30:45 Outro

    31 min
  • #119 How Soon Is Too Soon To Plan Your MOP Exit? And How To Plan What To Buy Next?

    Planning your next property move before MOP ends? Melvin Lim, Phyllis, and Shawn from PropertyLimBrothers talks about one of the most frequently asked questions by HDB owners—how soon is too soon to strategise?

     

    This episode of NOTG explores actual case studies and actionable frameworks to help any home seller evaluate the available options ahead of time. Find out about capital growth projections and key market catalysts, to downpayment strategies and the HDB-condo substitution effect.

     

    For those aligning a move with family priorities, rental yield objectives, or a long-term portfolio plan, this conversation delivers the strategies to act with foresight. Tune in to hear real stories, strategic insights, and learn the timing cues—even before the MOP window opens.

     

    00:00 Intro

    01:04 Question - "What to do when under MOP?"
    01:44 Client case study - Journey from $670k portfolio to $4.3M portfolio
    04:12 Question - "How to plan ahead and why is it important?"
    06:54 Current regulations on when you can advertise your newly MOP HDB
    07:59 Shawn's client case study
    16:44 Letting HDB Appreciate vs Upgrading to a new property
    20:11 Question - "What research should be done while under MOP"
    21:44 Question - "What is the catalyst for HDB appreciation?"
    25:11 Question - "Is the increase in million dollar HDB transactions a cause for concern?"
    27:04 Catalysts for appreciation, HDB vs Private
    35:09 Teaser for Part 2
    35:34 Outro

    36 min
  • #118 7-year MOP? Grant Clawbacks? Stamp Duty Adjustments By Location?!

    Part 2 of dissecting Budget 2025 in NOTG delves into what could come next. George, Jesley, and Yong Zhun from PropertyLimBrothers discuss a wide range of speculative ideas that could redefine the future of Singapore’s property market.

    Could a 7-year MOP for resale HDBs help temper demand? Will extending the wait-out period from 15 to 24 months for HDB-to-condo transitions affect market behaviour? Hear more “what-ifs,” including proposals to adjust stamp duty based on location and unit configuration. With ongoing shifts across both private and public housing segments, the team reflects on how affordability, infrastructure planning, and buyer psychology might intersect in the years ahead.

     

    While none of these ideas are official policy, the episode invites viewers to consider the trade-offs and implications behind potential regulatory changes. Tune in for a wide-lens view on the forces that could steer the direction of Singapore’s property landscape moving forward.

     

    00:00 Intro

    00:40 Cooling measure suggestions
    11:20 $1 Billion investment on R&D infrastructure
    15:20 LBC rate increase
    19:15 More EC units resold for profit
    22:06 Aurelle of Tampines floorplans
    24:20 Aurelle of Tampines prices
    24:50 Would you pay more for integrated projects?
    27:40 Volume and Price Index Chart
    31:00 Exploring property in PropertyGuru
    35:05 Prices of resale units will slow down in the upcoming years
    36:30 Self sustaining town
    38:06 Function of air conditioner
    39:59 Closing thoughts
    42:32 Outtakes

    43 min
  • #117 Budget 2025, HDB Affordability & Their Impact On Real Estate in Singapore

    The numbers are in. The policies are outlined. But how will Budget 2025 influence Singapore’s ever-evolving property landscape? George, Jesley, and Yong Zhun from PropertyLimBrothers analyse Budget 2025, Their conversation touches on key themes from the budget and their possible impact on housing and property decisions. Prime Minister Lawrence Wong’s commitment to long-term HDB affordability provides important context, while our speakers share thoughtful perspectives on what might lie ahead.

     

    Trying to make sense of where the market is headed, this episode delivers a clear lens on the forces at play. Tune in to hear what Budget 2025 could mean for the future of housing in Singapore before the changes become reality.

     

    00:00 Intro

    02:08 Budget 2025 Highlights / SG60 Package
    05:52 Sustainable City
    06:46 Equipping Workers Throughout Life
    08:38 Empowering Businesses
    10:25 Supporting Singaporeans
    15:20 George received FREE money from the government
    17:00 Assurance that HDB flats will remain affordable
    20:44 Upcoming HDB launches
    22:38 Why the price of BTOs double in resale?
    28:27 BTO or EC have an income ceiling.
    30:30 George transition home story
    31:39 How much should be the income ceiling?
    34:00 Reduce the HDB resale transactions
    40:00 Balancing act to make housing price affordable
    44:20 Restriction on HDB according to the size of the family
    46:22 Part 2 Teaser...
    47:17 Outtakes

    48 min
  • #116 Possible Cooling Measures and Buyer’s Preferences in 2025 & New Launch Buying Tips

    Picking up from their previous discussion on the rise of million-dollar HDBs, George, Alfred, and Joan from PropertyLimBrothers return to discuss what buyers should watch for in 2025. They talked how current price trends—defined by ongoing cooling measures—are influencing buying power and long-term plans. Find out what they think about why prices in the OCR have surged, what’s fuelling demand in the RCR, and how new launches are being priced island-wide.

     

    Also, Joan shares why she believes it’s better to act early, while Alfred outlines the logic behind starting with a two-bedder. They also touch on how to manage FOMO, read the shifts in policy, and stay grounded despite market noise. If you’re trying to decide whether to buy, wait, or pivot—this episode offers clear, timely insight to help guide your next move.

     

    00:00 Introduction

    00:40 HDB price trend
    03:09 Age always affects you
    05:00 Interest rate will drop?
    09:00 Future cooling measure scenario
    12:22 Median age of buyers (New Private Home)
    14:30 Advice for first time home owners
    17:58 Median profit
    18:30 Prices of private property market
    25:42 RCR having more demand
    28:30 Hottest new launches today
    29:30 New Launch important things to take note
    36:42 Upcoming New Launches
    40:50 Closing
    41:55 Outtakes

    43 min
  • #115 BTO Launches in 2025, Million-Dollar HDBs & Why High-Earners Still Buy 4-Room HDBs?

    Million-dollar HDBs used to be rare—now they’re outlining Singapore’s public housing market. In this episode of NOTG, George, Alfred, and Joan from PropertyLimBrothers break down what’s driving up prices, why 2025 is packed with new launches, and how future homeowners should prepare.

     

    They uncover the 5 upcoming HDB launches in February, clarify the requirements for buying BTO and SBF flats, and decode the implications of the 10,000 units slated for release across just two windows this year. From the sharp rise in million-dollar HDB transactions post-2015 to the surge in 2023, this episode maps where these sales are happening, and who’s buying.

     

    Hear why many high-income earners are opting for 4- and 5-room BTOs as their forever homes, along with relatable investment strategies and financial planning examples. This is a timely episode every aspiring homeowner and property investor should not miss. Tune in to hear how the ground is shifting.

     

    00:00 Introduction

    02:25 Upcoming BTO Launches
    10:49 Why is west side is the best side?
    15:30 Requirements for buying a BTO and SBF 2025
    17:16 Why are there a lot of BTO and SBF launches?
    18:20 HDB houses affordability / SG birth rate
    20:55 Higher demand for 2 bedders for space
    22:00 SG granting more citizenship
    22:58 Million-Dollar HDB transactions
    30:17 $12K to $15K income case study
    42:00 BTO upgraders profiles
    43:20 BTO route for investment
    46:47 High earner couple investment case study (Reverse approach)
    55:46 Upcoming Episode...
    56:32 Outtakes

    57 min

About NOTG - Nuggets on the Go

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Welcome to Nuggets on the Go, where we dish out golden nuggets on real estate, finance, business, entrepreneurship, and investing—Singapore-style.

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