NOTG - Nuggets on the Go by PropertyLimBrothers

#103: 3 Home Options for Single Professionals - Watch Before You Buy!

Buying a home as a single professional can be a tough decision—HDB resale, 2-room BTO, or a 1-bed condo—the options are vast! In today’s NOTG episode, Yu Rong, Jesley, and Jun Wei talk about the key factors every single homebuyer should consider, from affordability to flexibility and long-term investment potential.
 
They break down the pros and cons of each option, including the 5-year MOP commitment of an HDB resale, the budget-friendly yet lengthy wait for a 2-room BTO, and the flexibility of a 1-bed condo, which also comes with its own set of challenges. Beyond just the numbers, this episode also tackles the realities of living alone, the independence it brings, and how to make a future-proofed decision when choosing the right home. Plus, get exclusive insights into 2025 market predictions and the best areas for singles looking to invest in property.
 
If you’re planning your next move as a single who has just hit the tender age of 35, don’t miss this advice on home-buying!
Timestamps:
00:00 Intro00:51 Charmaine persona preview (Single professional)03:00 Options16:50 Looking at 1-Bedder units20:20 Finding the right unit23:30 Lee Jun Wei's free tip28:28 2025 Predictions35:00 Closing thoughts42:41 Outtakes

#102: HDB Upgrading Explained: Fears, Financing and Property Value

Upgrading from an HDB flat to a condo may seem like a dream—but is it the right move for you? In this week’s episode of NOTG, Yu Rong, Jesley, and Jun Wei talk about the fears, finances, and opportunities surrounding Singapore’s most commonly considered first property upgrade.


 
Through the real-life case of John and Michel—a 33-year-old couple with a combined income of $14,000—they break down critical considerations like managing higher monthly instalments, understanding principal and interest payments, and leveraging dual-key units to offset mortgage costs. They also examine whether splitting their purchase into two smaller properties could yield better returns while addressing concerns about shrinking condo sizes and the effects of HDB cooling measures on property appreciation.



Curious about navigating government policies, balancing affordability with space, or exploring creative financing strategies? Watch on to uncover actionable strategies for building wealth and managing risks in Singapore real estate.
 
Timestamps:
00:00 Intro00:51 Charmaine persona preview (Single professional)03:00 Options16:50 Looking at 1-Bedder units20:20 Finding the right unit23:30 Lee Jun Wei's free tip28:28 2025 Predictions35:00 Closing thoughts42:41 Outtakes

#101: The $20K Investment That Slashes Energy Bills and Saves You Thousands!

What does it take to build a thriving solar energy business in a country where scepticism still exists? Today on NOTG, Grayce from PropertyLimBrothers sits down with Satish Prasath, Founder and Director of PMCE, to share his lesson-filled journey of starting a solar panel company in Singapore from scratch. 
 
From navigating misconceptions about solar panels to handling client-employee dynamics, Satish shares the lessons that have shaped him and his business. He reveals how focusing on character over technical skills has grown his team, why tangible proof like reduced electricity bills is key to winning over clients, and how one happy customer can lead to ten more. 
 
Curious about the costs, benefits, and ROI of solar panels? Wondering how REC (Renewable Energy Certificate) works or what happens if you sell your home before achieving ROI? Satish breaks it all down, offering practical advice for homeowners and business owners alike. Plus, he reflects on his toughest decisions, the importance of simplicity in running a business, and how his mother’s wisdom set him on the path to success. Don’t miss this episode and be inspired to start owning your energy today!
 
Timestamps:00:00 Intro01:05 Usual operation issues running a solar power business05:00 Background16:09 Winning the trust of customers18:32 PMCE Team26:05 Is it worth it to install solar panels?35:20 Selling a home with solar panels36:25 Solar panels longevity38:15 Maintenance39:15 Solar Panel app40:40 Total clients42:25 Installation process48:00 Solar panel roof criteria49:50 Other services53:45 Customer relationship54:30 Advice to aspiring entrepreneurs55:35 Learning lessons from previous projects58:50 One trait that guarantees success in running a business1:00:50 Closing thoughts1:01:55 Outtakes

#100: Timing, Financial Readiness & the URA Master Plan’s Influence on Property Purchases

In continuation of their conversation from last week’s episode, George, Jesley, and Yong Zhun tackle the dynamics of property investment for couples in their mid-30s. Particularly, couples who are eyeing their next property but face uncertainties along the way.
The crew weighs in on this key decisions—to sell the current home, or hold and pivot, as well as the nuances of decoupling. Understand how the URA Master Plan could influence property purchase decisions, and hear success stories of real couples who’ve made the leap from HDBs to freehold private properties with confidence.
For mid-30s couples planning their next property move, be sure to watch this episode as it explores key strategies on rentvesting, financial planning, and selecting the ideal location to build a strong property portfolio.
And to celebrate 100 episodes of NOTG, we’re excited to host an exclusive giveaway! All you need to do is share a topic suggestion that you would like us to explore on NOTG. Three best suggestions will be handpicked, and each winner will receive a special prize to commemorate this exciting journey!
 
Timestamps00:00 Intro01:38 Ian & Grace (2 Condo Buyer)08:38 Holding or Selling (Advice)20:18 Owning two properties22:48 Selling 1 to buy 2 properties26:38 Buying an 1-Bedder28:48 Buying options36:03 Dual-key39:46 Tiktok lingo43:02 What to buy?48:51 Closing thoughts

#99: The Best Property Choices for Couples in Their Late 20s

This week, George, Jesley, and Yong Zhun from PropertyLimBrothers discuss the journey of young couples in their late 20s as they navigate the complexities of buying their first home. Using the example personas of Wayne and Joanne, they break down the essential steps for making informed and confident decisions in today’s property market.
 
Focusing on the "Spring season" of life (ages 25-35), they explore how couples often aspire to upgrade but may feel uncertain about where to begin. Watch to understand the importance of setting a realistic budget, aligning property choices with long-term goals, and learning about financial readiness, rental strategies, and managing cash flow. They also provide an overview of current property prices and waiting times.
 
Does this persona represent you? Unsure whether to invest in a BTO, resale HDB, or condo? This episode will shed light on each option, their respective timelines, and government regulations—each of which requires careful consideration.
 
Timestamps:00:00 Intro00:55 Persona Wayne & Joanne (1st Time Buyer)07:50 Unsure buyers09:30 Hard to be a house husband10:40 Timeline16:18 Different risks17:10 Thinking about your exit22:25 Fears of a 27 years old33:06 Waiting and save up for a better property42:40 Rental yield play50:59 Price now of BTO1:01:15 Ideal advice1:05:24 Next episode1:05:58 Bloopers

#98: How Divorce Impacts Your Properties & Investments - Insights from a Family Lawyer

This week on NOTG, Melvin Lim, Co-Founder and CEO of PropertyLimBrothers chats with Sarah-Mae Thomas, a seasoned divorce & family lawyer who has practiced law across several continents and now leads her own firm in Singapore. Known for her compassionate yet pragmatic approach, Sarah-Mae shares how her faith and a life-changing case shifted her perspective on divorce, making her an advocate for therapeutic justice.Sarah-Mae shares about the surprising realities of dividing properties in divorce cases, where ownership percentages mean little, and how cases involving short marriages differs from long-term unions. She also unpacks the challenges faced by young couples who separate after applying for a BTO flat but before meeting the MOP, along with the complexities surrounding inheritance and overseas properties.Beyond the legalities, Sarah-Mae reveals her personal journey of building her own firm and maintaining balance in a high-stress profession. Join us for an eye-opening conversation that explores the intersection of divorce and real estate, providing thoughtful insights for navigating one of life’s toughest transitions.

#97: Wealth Preservation Best Practices for 50-year-olds & 2025 Market Projections

As people enter their 50s, many start to shift their focus from rapid growth to preserving the wealth they’ve built over the years, particularly in real estate. Yu Rong and George Peng discuss how property investment strategies should evolve during this consolidation phase, ensuring financial stability while still seizing opportunities for growth.
 
They dive into the current state of the Singapore property market, examining the slight uptick in property prices and how this might align with anticipated interest rate reductions next year. With 2025 on the horizon, they provide a thoughtful analysis of how these shifts could impact property prices and market sentiment moving forward. You’ll also hear a real-life strategy for single-income families looking to expand from one property to two, along with a deeper understanding of how interest costs can impact your decisions.
 
Tune in for a comprehensive understanding of how to make strategic decisions in real estate when making big moves into the next chapter of life!
 
Timestamps
00:00 Intro01:03 “Can you upgrade to another property in your Winter Season?” (Continue from episode 1)03:44 Life-stage Investing06:33 Yu Rong client case study09:15 “Is aiming to get 20% returns in property investment better than using other investment methods?”17:11 Property price increase in Q3 statistics22:59 Two differing opinions when property prices are at an “all time high”25:51 Price projections and market sentiment predictions for 202527:24 Factors that make Singapore a safe haven for property buying28:59 Price projections and market sentiment predictions for 2025 (Continue)30:41 “Why are stress test percentages dropping?”31:24 Price projections and market sentiment predictions for 2025 (Continue)39:46 “Do you foresee any cooling measure being introduced?”41:49 Lower level large units reaching highest quantum gain44:17 Resale seller/owner sentiments46:31 Increase in PSF pricing in 202547:22 “Do you think high quantum 4/5 bedder buyers will crossfire into the landed segment and have a tough time exiting?”51:03 Increasing “hype” and excitement at new launch show flats post COVID51:59 “People are underestimating income/asset value of private property participants in their 30s.”52:38 George’s client case study53:34 “People are underestimating income/asset value of private property participants in their 30s.” (Continue)57:51 Outtakes

#96: How To Gear Up For Financial Freedom, Passive Income & Retirement

Melvin Lim, Joan, and Yong Zhun from PropertyLimBrothers talks about the Winter season of life—associated with retirement—but let’s look at it as a time for freedom, opportunity, and sharing wisdom. Learn financial planning and real estate strategies designed to help you overcome the complexities of the retirement season.
 
Today, they discuss how property ownership impacts financial freedom, why Singapore’s real estate market attracts high-net-worth individuals and foreign investors, and the role population retention plays in shaping property values. Understand into the importance of early retirement planning, understanding income streams—classified into active, passive, or asset-based—and mastering the art of transitioning seamlessly into this pivotal stage of life.
 
Hear real-life stories and practical advice that shed light on why jumping into investments out of FOMO can backfire, while tackling the risks and rewards of the real estate market. Gearing up for your Winter season or already living in it? Tune in to this episode now and learn the strategies to make data-driven choices and redefine retirement in your own way!
 
Timestamps
00:00 Intro00:40 Introduction on the Winter Season02:03 Ideal retirement age06:27 Melvin's client story10:06 3 Types of Incomes15:03 Introduction of Autumn Season persona (Peter and Lucy)15:19 Typical property ownership timeline (up to autumn season) and options for winter season23:25 Typical cost of living of a winter season couple25:55 Financial and property buying tips for winter season30:15 Investment risk appetite assessment and investment advice34:06 Cashflow Quadrant guide38:26 Investment risk appetite of the different seasons40:31 Property ownership anxiousness: Own stay vs Investment42:22 Melvin's investment timeline methodology44:17 Property ownership anxiousness (continued)47:48 Winter season case studies55:01 Different ways to divest57:26 Winter season case studies (continued)59:05 Statistics: "Top countries and territories gaining and losing millionaires in 2023"1:02:17 Why are millionaires and foreign investors attracted to Singapore?1:05:07 CCR vs RCR vs OCR1:05:19 Increase in ABSD for foreigners (why it happened and how to improve it)1:10:32 Final thoughts on winter season1:14:32 Outtakes

#95: Herd Mentality Buying, Downpayment Saving Tips & Condo TOP Impact in 2027

Myths and misconceptions often hold buyers back in Singapore’s property market, leaving many unsure of how to maximise returns or navigate rising costs effectively. This week on Nuggets On The Go, Melvin Lim, George, and Yu Rong from PropertyLimBrothers explore deep into the strategies that help investors and upgraders navigate key decisions.
 
They talk about the impact of “coordinated psychology” in new launches, the importance of harmonised floor plans, and why focusing on quantum over PSF can lead to better investment outcomes. They also discuss practical challenges such as saving for down payments, managing the resale versus new launch debate, and reframing monthly instalments as “forced savings” for HDB upgraders. Tackling whether fully paying for property is the best move, the episode provides insights into balancing financial commitments with long-term returns.
 
Learn about the alternative strategies for buyers, practical financial planning approaches, and the impact of shifting interest rates on Singapore’s property market. All these and more on this episode!
 
Timestamps
00:00 Intro00:57 “What is Herd Mentality?”02:04 “Why do people buy into New Launch?”03:44 “Which New Launch should I buy for the most capital appreciation?”08:25 “Should you fully pay for their property without loans?”11:39 New Launch vs Resale15:45 “What is the fastest way for new buyers to save up for a down payment on a New Launch?”20:54 “Should you keep your HDB or upgrade to a Condo?”28:25 “Can you upgrade to another property in your Winter Season?”34:06 A lot of projects TOP in 202734:55 Part 2 Teaser35:24 Outtakes

#94: Buying Property with Friends: Pros & Cons, Risks, Challenges & Legal Tips

Jointly buying a property with a friend in Singapore can feel like a creative solution to rising prices—but is it the right move? In this second part of NOTG banter between George, Alexa, and Yong Zhun from PropertyLimBrothers, they explore the complexities of co-ownership, using buyer persona Laura’s journey as a case study. As a 37-year-old single HR manager earning S$8,500, Laura considers co-buying with a friend to navigate affordability challenges. 
 
They break down essential considerations, from CPF utilisation and loan eligibility to the legal frameworks of Joint Tenancy and Tenancy-in-Common. George, Alexa, and Yong Zhun highlight how these structures affect ownership rights, exit strategies, and inheritance. Real-life examples illustrate the risks of misaligned expectations, from en bloc disagreements to personal changes like marriage or career shifts. 
 
Stay tuned for insights into financial planning, and an analysis of how interest rate changes impact Singapore’s property market and how it may impact property buying with friends.
 
Time Stamps00:00 Intro00:38 Introduction of persona (Laura)00:50 Persona profile03:05 Rationale behind buying a home with a friend05:50 Options for Laura07:00 Concerns of buying with a friend10:00 George's client case study12:57 Concerns of buying with a friend (continued)17:08 "Would you buy with a friend and is it worth it?"20:43 Advice for Laura22:20 Financial calculations for Laura23:19 Advice for Laura (continued)25:16 Non-landed Private Price statistics26:18 Advice for Laura (continued)27:18 Financial calculations for Laura (continued)30:11 Property Recommendations for Laura31:30 Financial calculations for Laura (continued)33:44 How news and the media impacts buyer decisions34:28 Article: Fed rate cuts during the "Great Recession."35:28 Final thoughts and recap36:57 Outtakes