NOTG - Nuggets on the Go by PropertyLimBrothers

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

00:00 Intro01:30 Profile preview / AI Picture02:40 Background04:36 Financial Snapshot05:50 Pros & Cons using CPF08:17 Knowing your maximum budget11:15 99-1 property scheme14:26 Impact of tariffs16:50 Stretch tenure20:41 Showing funds to stretch the long amount23:44 "Stretch tenure" meaning27:30 Paying more interest if you do not stretch tenure30:44 How much you should earn per month to own two properties?32:35 Depending more on Active Income36:59 $12K per month ENOUGH?!39:43 Taking risk to own two properties41:30 $4.2M, what will you buy?46:08 Financial breakdown before buying a landed property50:45 Donald Trump impression51:02 Closing words51:30 Outtakes

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 Intro00:41 New launches are all luck03:30 Changing your luck05:18 MOAT Analysis 11 Factors08:08 Most important factor for resale investment properties15:46 Picking a resale private property16:30 US tariffs will affect the real estate market23:56 Using fears to negotiate29:58 Growth of real estate market33:30 Closing words37:40 Outtakes

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 Introduction01:01 Beating a banker's valuation03:58 Knowing if it's the right valuation?06:01 How bankers give you the valuation data10:24 Renovations contributes more to Condos and landed properties11:50 Why landed properties are hard to valuate?12:33 Important key points to help out valuation of the house18:17 Hiring a PRIVATE Valuer22:25 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 properties27:25 Framework to check if a property is undervalued35:35 Headline case in the property will affect the pricing?37:48 Disparity effect41:09 Part 241:48 Outtakes

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 Intro00:37 Catalysts for appreciation, HDB vs Private (Continued)05:57 The "Volume Effect"10:11 PLB's Secret Weapon12:05 Floor level superstition14:50 Floorplan superstition17:24 Cultural norms and property investment/buying18:44 Question - What properties you have seen that are a solid price point and why?20:52 The "Big Brother, Small Brother" Effect and examples25:42 Question - Do you think about buying/living in properties next to religious sites?30:35 Closing statements30:45 Outro

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 Intro01:04 Question - "What to do when under MOP?"01:44 Client case study - Journey from $670k portfolio to $4.3M portfolio04:12 Question - "How to plan ahead and why is it important?"06:54 Current regulations on when you can advertise your newly MOP HDB07:59 Shawn's client case study16:44 Letting HDB Appreciate vs Upgrading to a new property20:11 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 Private35:09 Teaser for Part 235:34 Outro

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 Intro00:40 Cooling measure suggestions11:20 $1 Billion investment on R&D infrastructure15:20 LBC rate increase19:15 More EC units resold for profit22:06 Aurelle of Tampines floorplans24:20 Aurelle of Tampines prices24:50 Would you pay more for integrated projects?27:40 Volume and Price Index Chart31:00 Exploring property in PropertyGuru35:05 Prices of resale units will slow down in the upcoming years36:30 Self sustaining town38:06 Function of air conditioner39:59 Closing thoughts42:32 Outtakes

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 Intro02:08 Budget 2025 Highlights / SG60 Package05:52 Sustainable City06:46 Equipping Workers Throughout Life08:38 Empowering Businesses10:25 Supporting Singaporeans15:20 George received FREE money from the government17:00 Assurance that HDB flats will remain affordable20:44 Upcoming HDB launches22:38 Why the price of BTOs double in resale?28:27 BTO or EC have an income ceiling.30:30 George transition home story31:39 How much should be the income ceiling?34:00 Reduce the HDB resale transactions40:00 Balancing act to make housing price affordable44:20 Restriction on HDB according to the size of the family46:22 Part 2 Teaser...47:17 Outtakes

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 Introduction00:40 HDB price trend03:09 Age always affects you05:00 Interest rate will drop?09:00 Future cooling measure scenario12:22 Median age of buyers (New Private Home)14:30 Advice for first time home owners17:58 Median profit18:30 Prices of private property market25:42 RCR having more demand28:30 Hottest new launches today29:30 New Launch important things to take note36:42 Upcoming New Launches40:50 Closing41:55 Outtakes

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 Introduction02:25 Upcoming BTO Launches10:49 Why is west side is the best side?15:30 Requirements for buying a BTO and SBF 202517:16 Why are there a lot of BTO and SBF launches?18:20 HDB houses affordability / SG birth rate20:55 Higher demand for 2 bedders for space22:00 SG granting more citizenship22:58 Million-Dollar HDB transactions30:17 $12K to $15K income case study42:00 BTO upgraders profiles43:20 BTO route for investment46:47 High earner couple investment case study (Reverse approach)55:46 Upcoming Episode...56:32 Outtakes

114# $3M Condo Layout Traps, CCR Luxury Letdowns and Landed Renovation Nightmares

This week, Jesley, Yu Rong, and Shawn from PropertyLimBrothers tackle the finer points of home buying at the $2.3M, $3M, and $4M price tiers. From layout choices that ‘look’ great online but tell a different story in real life, to surprising trade-offs buyers often overlook, this segment pulls back the curtain on what you’re really paying for.
 
They explore what makes certain properties more liveable—or more investable—at each price point, and why the sweet spot might not always be where you expect. Hear their perspectives that could turn the tables on how you see the next step in your property journey.
 
And if you’re wondering if lifestyle or yield should drive your decision… wait ’til you hear their take.
 
00:00 Introduction01:30 $2.3M budget options06:00 Looking for spacious unit09:02 Options for Boutique Condos09:40 Why some Boutique Condos the price increases?14:36 $3M budget options20:40 $4M budget options (Landed Gems)27:10 Land banking strategy30:15 Luxury options38:34 Luxury unit view39:55 Investing in Core Central Region properties45:39 Closing46:41 Outtakes