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Services
Calculators
- Mortgage Repayment Calculator
- Buyer Stamp Duty Calculator
Contact Us

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Blog
Home Loan Rates
Refinancing
Mortgage Planning
HDB
Private Property
Commercial Property
Property News
Insurance
Renovation

Mortgage Planning

What Happens to a Mortgage If the Sole Owner Dies Without Insurance in Singapore?

January 4, 2026

It’s not something we like to think about, but… what actually happens to a mortgage if the sole owner passes away — and there’s no insurance? In Singapore, home loans don’t just vanish when someone dies. Whether it’s an HDB loan without HPS or a

Is It Better to Refinance During MOP or After MOP for HDB Buyers?

January 13, 2026

Wondering if you should refinance your HDB loan now — or wait until your MOP is over? You’re definitely not the only one. With mortgage interest rates in Singapore going up and down these days, it’s tempting to lock in a better

Cash-over-valuation (COV) Explained: How HDB Valuation Can Affect Your Purchase

January 1, 2026

Buying a resale HDB flat in Singapore? Then you’ve probably heard the term HDB valuation — and maybe even COV (Cash Over Valuation). Confused? You’re not alone. Many buyers get caught off guard when the agreed price is

Buying a HDB Flat Before vs After Marriage: Which is Better?

December 26, 2025

You’ve found your person — now comes the tough housing question: should you buy your flat before or after ROM? It might seem like a small detail, but this decision can seriously impact your housing grants, CPF usage,

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Buying a Flat with Parents or Siblings: How to Protect All Parties with Insurance

December 23, 2025

Buying a flat with your parents or siblings isn’t just about splitting the cost — it’s about building a life together. Whether you’re supporting ageing parents,

OTP Mistakes Singapore Buyers Make — And How to Avoid Them

December 17, 2025

About to sign your OTP and lock in your dream flat? 🏠Wait — don’t rush. The Option to Purchase (OTP) might look like standard paperwork, but

HDB OTP Explained: Option to Purchase, Fees & Process in Singapore

December 14, 2025

Heard of the term “OTP” while shopping for your dream flat? Don’t worry — it’s not an SMS code. In the property world, OTP stands for

What HDB Housing Grants Can Newly Married Couples Stack?

December 8, 2025

You’ve just said “I do,” and now comes the next big step — buying your first home together.Maybe you’re scrolling property listings at night, wondering if

Bridging Loans vs Top-Up Loans: When to Use Each in Singapore

December 5, 2025

Trying to figure out the difference between a bridging loan and a top-up loan in Singapore? You’re not alone — these two sound similar but serve

When Should You Request HDB Valuation? Mistakes to Avoid

December 2, 2025

Found the perfect resale HDB flat? Great! But before you get too excited, here’s something many buyers overlook: when to request your HDB valuation. Ask too

Top Renovation Mistakes That Could Hurt Your Home Loan or Property Valuation

November 29, 2025

Thinking of upgrading your home with a fresh reno? Just be careful — some renovations might look amazing, but they could actually hurt your home valuation

HDB Valuation & COV Explained: What Singapore Buyers Should Know

November 20, 2025

Buying a resale HDB flat in Singapore? Then you’ve probably heard the term HDB valuation — and maybe even COV (Cash Over Valuation). Confused? You’re not

EC Deferred Payment Scheme: Everything You Need to Know in 2026

November 17, 2025

Looking to buy an Executive Condo (EC) but wish you didn’t have to start paying right away? You’re not alone. Many EC buyers in Singapore have

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