Articles
Property thinking, written down.
Short, practical reads on CPF, upgrading, exit strategy and reading the market — the same thinking Daniel brings to a strategy session.
Lucerne Grand Sold 61% at $2,480 PSF: What Does Its Launch Weekend Really Tell Us?
Lucerne Grand sold 61.4% of its 570 units at an average $2,480 psf. But that doesn't automatically mean buyers thought it was cheap. The more useful question is why they were willing to pay that price — and whether every unit offers the same entry and exit potential.
$2.5M Condo Budget in Singapore: Bigger Resale or Smaller New Launch?
More space, lower PSF—surely the bigger resale condo is better value? With a $2.5M budget, the choice between a larger resale home and smaller New Launch looks simple at first. But once layout, renovation, project age, future supply and your eventual buyer pool enter the equation, the comparison changes considerably.
Mortgage Rates Below CPF OA's 2.5%: Should You Still Use CPF to Pay Your Housing Loan?
If your mortgage costs less than the 2.5% your CPF OA currently earns, should you still use CPF to pay it every month? Falling home-loan rates have made a routine decision surprisingly less straightforward, especially for homeowners planning their next property move.
Is Downsizing Really a Downgrade? Why More Singapore Homeowners Should Think About Rightsizing
Your home is fully paid, the children have moved out, and you have plenty of space. Why would you ever sell? For some Singapore homeowners approaching retirement, that may be exactly the question worth revisiting. The issue isn't simply whether a smaller home costs less, but how much space, expense and property wealth you actually need for your next stage of life.
New Launch at $2,500 PSF vs Resale at $2,000 PSF: Is Resale Really the Better Buy?
A new launch costs $2,500 PSF while the resale condo nearby is only $2,000 PSF. Surely the resale is the better deal? Not necessarily. Once you compare total quantum, usable space, renovation, project age and future buyer demand, that $500 PSF gap can tell a very different story.
Your HDB Has Reached MOP — Does That Mean It's Time to Sell?
Your HDB has finally reached MOP — and your neighbour just sold at a record price. Is that your signal to cash out too? Bedok South Horizon's recent $1.45m-plus transactions show why the more important question may not be how much you can sell for, but what selling actually allows your family to do next.
Amberwood at Holland: Does Being the First Condo in a 2,500-Home Precinct Give Buyers an Advantage?
Being the first condo in a brand-new precinct sounds like an obvious advantage. But when that precinct is eventually expected to contain around 2,500 homes, being first also means thousands of future units could become your competition. Amberwood at Holland presents an interesting question: does today's entry price leave enough room for tomorrow's Holland Plain?
Buying a Home Within 1km of a Primary School? What the 2027 P1 Registration Changes Mean for Homebuyers
For years, being within 1km of a popular primary school has influenced where some Singapore families choose to buy. But from 2027, a major Phase 2C change at 12 selected schools could challenge that thinking. If you’re considering paying a premium for a home near a preferred school, this is one rule change worth understanding first.
HDB & EC Income Ceilings Raised: What Does This Mean for Singapore’s Property Market?
Singapore has raised the HDB income ceiling from $14,000 to $16,000 and the EC income ceiling from $16,000 to $18,000, opening up more housing options for higher-income households. But what could this mean for BTO demand, HDB resale prices, future EC launches and the private condo market? Here’s how the latest changes could reshape Singapore’s property market moving forward.
HDB Resale Transactions Hit a 2026 High — So Why Are Prices Still Falling?
HDB resale activity hit a 2026 high in July, but prices continued to soften. The latest data suggests a more balanced market, where realistic pricing — not rising demand alone — is helping transactions move.
What is GFA Harmonisation? And Why Should Every Home Buyer and Homeowner Understand It?
Are newer condos really getting smaller? Not necessarily. GFA Harmonisation has changed how floor areas are measured, making unit sizes appear smaller while improving transparency. If you're comparing new launches with resale properties, understanding this change can help you look beyond PSF and make a better buying decision.
Will Removing the 15-Month Wait Push Up HDB Resale Prices?
The removal of the 15-month wait-out period may bring more private homeowners into the HDB resale market. But will it push prices up across the board—or only benefit selected flats? Here’s what buyers and sellers should know.
Singapore Property Market Q2 2026: Prices, Trends and Outlook
Singapore private-home prices rose 0.5% in Q2 2026, but the increase was mainly driven by landed homes. With condo and HDB prices remaining relatively flat, buyers and sellers should look beyond the headline and focus on safe entry price, affordability and exit strategy.
The GLS Pipeline Is Filling Up — What a Surge in New Supply Means for Your Existing Property's Value
Singapore's property market is entering a new phase as more Government Land Sales sites are released across the island. While increased supply creates more opportunities for buyers, it also brings greater competition for existing homeowners. In this article, we examine how the expanding GLS pipeline could influence your property's value and why reviewing your asset strategy today may put you in a stronger position tomorrow.
Is Singapore's Private Housing Market Slowly Breaking Away from the HDB Market?
Not every HDB owner will find it easier to upgrade just because their flat has appreciated. The real question is whether your purchasing power is keeping pace with the private market.
Don't Just Buy a Property. Buy Something Someone Else Will Want to Buy From You.
Buying a property isn't just about whether you can afford it today - it's about whether someone else will want to buy it from you tomorrow. Before committing to your next purchase, make sure you're choosing a home with strong resale potential and a clear exit strategy. After all, the best property isn't just easy to buy; it's easy to sell too.
Why Waiting for a Price Drop Can Cost You More
Many homeowners wait for prices to drop before upgrading, but their existing property may already be building substantial wealth through capital appreciation, CPF growth, and loan repayment. Sometimes, waiting can cost more than moving when the numbers already make sense.
How CPF Accrued Interest Quietly Eats Your Profit
Many homeowners think they made a profit simply because their property sold above the purchase price. But CPF accrued interest can quietly reduce your real cash proceeds over time. Before selling or upgrading, it is important to calculate your true net proceeds after loan repayment, CPF refund, and accrued interest — because paper profit does not always mean usable cash.
New EC Policy Changes 2026: What It Means For Future EC Buyers & The Property Market
Singapore's latest EC policy changes could reshape the upgrade journey for many buyers. With a longer 10-year MOP, removal of the Deferred Payment Scheme, and greater priority for first-time buyers, future ECs may become less flexible than before. As a result, current EC launches under the existing rules could see stronger demand from HDB upgraders.
Why Buyers Can Still Afford Property Today?
How can buyers still afford bigger homes despite record-high property prices? The answer lies in the 4Ps: Price Appreciation, Job Promotion, Personal Savings, and Principal Repayment. Over time, these factors build capital and create the financial foundation needed for future upgrades.
5 Rules Landlords Should Know to Avoid Tax Penalties
Many landlords focus on rental income, but overlook the tax rules that can significantly impact their returns. Understanding how rental income is taxed, what expenses can be claimed, and how to stay compliant with IRAS can help you avoid costly mistakes and maximise the long-term performance of your property investment.
How to Analyse Developer Pricing Strategy in New Launch Condos
Many buyers focus on the project, but few take the time to understand the developer's pricing strategy. By analysing factors such as land cost, nearby competition, launch phases, stack pricing, and sales strategy, buyers can identify better entry opportunities, avoid overpaying, and make more informed property decisions with stronger long-term potential.
My Property Is Not Making Money. Should I Cut Loss or Continue to Hold?
“My property has been rented out for years, but it doesn’t feel like it’s making money.” The key question isn’t whether to hold or sell—it’s whether the property still has growth potential, remains competitive, and fits your exit strategy.
Your Income Will Probably Never Catch Up to Property Price
Property prices in Singapore have been rising much faster than our incomes — and this gap is only widening. While household earnings have grown steadily over the years, home prices have surged at a pace that savings alone can’t keep up with.
Are Small Condo Units Still a Good Investment in Today’s Market?
Small condo units still offer affordable entry into the property market and can generate steady rental income. However, they may face slower capital appreciation and a narrower resale market compared to larger homes. The key is ensuring the unit aligns with your investment goals and long-term plans.
What's an Approval-In-Principle (AIP) and why it matters?
Before you start house hunting, make sure you know how much you can actually borrow. An Approval-in-Principle (AIP) gives you clarity on your loan eligibility, helps you avoid costly mistakes, and puts you in a stronger position when making an offer. It's free, fast, and one of the smartest first steps every property buyer should take.