Learn how to budget a purchase of second-hand HOS flat with unpaid land premium, and understand the relationship between building age, Loan-to-value (LTV) ratio and mortgage loan tenor.
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Confused about the requirements for a high loan-to-value ratio mortgage? Can double pay, bonuses and commissions be counted as income? How can we plan the budget? Let the mortgage experts answer these questions for you!
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Following the announcement of the 2024-25 Budget Address, no Special Stamp Duty (SSD), Buyer’s Stamp Duty (BSD) or New Residential Stamp Duty (NRSD) needs to be paid for any residential property transactions starting from 28th February 2024. In other words, whether you are a local or first-time homebuyer or not, everyone pays the same amount of stamp duty.
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Home purchasing made simple for first-time buyers – here is a roadmap outlining the key steps to purchasing a home. You can find everything from budgeting, site visits and signing the provisional agreement to applying for a mortgage, receiving the keys and taking possession of the property, along with tips on the documents and funds required.
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Home owners can take advantage of property value appreciation to cash out money. This article provides some tips on how to cash out wisely using lower interest rates.
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Wonder how much of a down payment is needed to buy your desired property? Here we will explain the loan-to-value (LTV) ratio and debt-to-income (DTI) using different scenarios, with analysis on the points to note for different income types.
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8 steps to help you through the process of buying a property and applying for a mortgage
Learn moreRead our checklist for documents required for your mortgage application.
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