Blog
Notes on property investment, overseas real estate, and mortgage financing from two decades in the field.
15 June 2026 · 4 min read
Building a Multi-Market Property Portfolio: Lessons from 20 Years Across Asia-Pacific
Cross-border diversification is one of the most effective ways to manage property risk, but only if you understand what genuinely changes from market to market.
8 June 2026 · 4 min read
TDSR and MSR Explained: How Singapore Banks Decide How Much You Can Borrow
The price you can afford on paper and the loan a bank will actually approve are often two different numbers. Here is how Singapore's TDSR and MSR frameworks really work.
1 June 2026 · 3 min read
A Singaporean's Guide to Buying Property Overseas
Hong Kong, Malaysia, Thailand, Australia, the UK, and the US each attract Singaporean buyers for different reasons. Here's how to figure out which one actually fits your goal.
25 May 2026 · 2 min read
How Data and PropTech Are Changing the Way Investors Choose Property
Gut feel and an agent's word used to be the main inputs into a property decision. Data has changed what doing your homework actually means.
18 May 2026 · 3 min read
When Refinancing Your Mortgage Actually Saves You Money
Refinancing isn't automatically a good idea just because a lower headline rate is on the table. Here's how to tell whether it genuinely pays off.
11 May 2026 · 2 min read
Residential vs Commercial Property: Matching the Asset Class to Your Goals
Most first-time investors default to residential simply because it's familiar. Commercial property plays by different rules, and sometimes fits better.
4 May 2026 · 3 min read
Reading Singapore's Property Cycles: What 20 Years of Transactions Have Taught Me
Singapore's property market doesn't move on sentiment alone. Two decades of cycles have taught me what actually repeats, and what's just noise.
27 April 2026 · 2 min read
Financing Commercial and Industrial Property: What Lenders Really Look For
Business owners often assume commercial and industrial financing works like a home loan with bigger numbers. The assessment is genuinely different.
20 April 2026 · 3 min read
Seven Mistakes First-Time Property Investors Make (and How to Avoid Them)
After two decades and thousands of transactions, the same handful of avoidable mistakes show up again and again. Here are the seven I see most.