Melvin Lim from PropertyLimBrothers outlines strategic shifts in the property market from 2025 to 2028, focusing on how affordability constraints and developer responses will reshape buying patterns. He explains why the $1.5M quantum range remains critical for HDB upgraders and resale buyers, especially those targeting 3- and 4-bedroom units that appeal to the widest exit audience. With upcoming launches likely to push PSFs to new highs, size reduction may become developers’ only path to price accessibility.

The discussion also highlights broader monetary trends, including the Fed’s $40 billion T-bill buyback, which Melvin frames as stealth money printing. This increase in money supply, he argues, quietly erodes purchasing power and reinforces the urgency of strategic property moves. By aligning quantum, audience demand and timeline, buyers can still find viable entry points—before these segments price out entirely.

If you’re navigating limited budgets, unit sizing trends or upcoming market launches, this episode offers grounded perspectives.

00:00 $40 billion T-bills purchase and money printing

Singapore’s property market is no longer in its infancy—it’s maturing, and with that comes a new set of rules for investors, homeowners, and upgraders alike. In this episode of NOTG, Melvin Lim unpacks the broader macroeconomic signals that are quietly shaping the 2026 landscape. From interest rate reversals and liquidity shifts to central bank policies and their downstream effects on asset pricing, this episode bridges global economics with ground-level real estate strategy.

Melvin Lim, Co-Founder and CEO of PropertyLimBrothers, takes you through the real-world implications of quantitative easing and tightening, how money supply affects real estate inflation, and why investors need to start seeing property not just as a home—but as an inflation-resilient asset class. With fewer new launches forecasted in 2026, and a significant volume of unsold inventory from 2024 and 2025, developers are recalibrating their bidding strategies and unit configurations. At the same time, resale sellers—especially those holding 1-bedders—are facing longer wait times and pricing pressure, while buyers shift focus towards larger, more functional units that deliver long-term utility and stronger exit value.

Against this backdrop, he introduces new frameworks to help you navigate this next phase. He breaks down how to calculate your purchase quantum in a rising asset economy, why TDSR remains a key gatekeeper for expansion, and what to prioritise if you’re aiming to move from one property to a multi-unit portfolio. This isn’t just another forecast—it’s a recalibration of strategy in a maturing market, delivered with clarity, data, and forward-thinking insight. If you’re serious about positioning yourself for the next cycle, this is where the conversation starts.

00:00 Influence of central banks on the money supply and real estate.

In this episode of NOTG S4 Ep 29, Jerry Chan (Director) and Goh Yong Hui (Associate Director) from Index Architects take us behind the scenes of a landed home rebuild. They share essential insights into the often-overlooked emotional side of the process, offering advice on how to manage client expectations while maintaining a clear vision for the project. From horror stories about contract failures to tips on navigating the tricky decision between Addition and Alteration (A&A) or a complete rebuild, they lay out the real challenges clients face.

They also discuss how to choose the right architectural approach, whether you’re considering a traditional method with a contractor or opting for a design-and-build route. With rising land prices and increasing demand for customisation, understanding the financial and emotional aspects of building a home is crucial.

In addition, Jerry and Yong Hui explore how evolving building regulations and design trends, like the integration of solar panels and EV charging stations, are shaping modern homes. This episode is a must-watch for anyone considering a landed home rebuild, offering expert guidance on budgeting, design decisions, and how to stay grounded throughout the project.

Learn how to transform your dream home vision into reality, all while managing stress and avoiding common mistakes.

00:00 Intro

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.