00:00 Intro 01:30 Profile preview / AI Picture 02:40 Background 04:36 Financial Snapshot 05:50 Pros & Cons using CPF 08:17 Knowing your maximum budget 11:15 99-1 property scheme 14:26 Impact of tariffs 16:50 Stretch tenure 20:41 Showing funds to stretch the long amount 23:44 "Stretch tenure" meaning 27:30 Paying more interest if you do not stretch tenure 30:44 How much you should earn per month to own two properties? 32:35 Depending more on Active Income 36:59 $12K per month ENOUGH?! 39:43 T...
Jun 27, 2025•52 min•Ep. 138
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 cryp...
Jun 20, 2025•38 min•Ep. 137
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 ‘bea...
Jun 13, 2025•42 min•Ep. 136
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 th...
Jun 06, 2025•31 min•Ep. 135
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 ...
May 30, 2025•36 min•Ep. 134
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 configurat...
May 23, 2025•43 min•Ep. 133
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. Try...
May 16, 2025•48 min•Ep. 132
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 b...
May 09, 2025•42 min•Ep. 131
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...
May 02, 2025•57 min•Ep. 130
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 expe...
Apr 25, 2025•47 min•Ep. 129
Jesley, Yu Rong, and Shawn from PropertyLimBrothers answer burning questions from the audience—starting with how young couples should navigate the new BTO model (Standard, Plus, Prime). They break down how different profiles—DINKs, couples with kids, or those planning to upgrade—should choose based on family planning, income potential, and MOP duration. In the market to sell? They discuss The team shares key considerations beyond just price, touching on personal timelines, future plans, and how ...
Apr 18, 2025•52 min•Ep. 128
Thinking of buying your first home but terrified of making the wrong move? You’re not alone. In continuation of our previous NOTG episode, Yu Rong, Alexa, and Lyndon from PropertyLimBrothers dive into Ryan’s case study—a 28-year-old earning $12K a month, who’s on the verge of buying his first property—but struggling with uncertainty. They explore the modern-day fears of young buyers: market volatility, loan limits, and whether to start with a 2-bedder or stretch for a 3-bedder. Yu Rong reflects ...
Apr 11, 2025•33 min•Ep. 127
In this episode of NOTG, Yu Rong, Alexa, and Lyndon from PropertyLimBrothers break down the realities of property investment for those in their mid-30s to mid-40s. They discuss why managing two properties that align with each spouse’s income can be more strategic than buying a single property based on combined income. Beyond the numbers, they take a reality check, considering factors such as children, ageing parents, and future expenses, which become increasingly important at this stage of life....
Apr 04, 2025•35 min•Ep. 126
At just 22, Daphne Goh dove into the café world with a marketing degree, a $200K startup fund, and a passion for coffee—launching her first café, Assembly. That’s where she met Shirlynn Eng, a linguistics graduate who, despite receiving a full-time offer as editor, continued working part-time in the kitchen for a year. When Daphne was ready to open her second café, Atlas, she knew exactly who to call—and invited Shirlynn to join her as a partner. In this episode of NOTG, Melvin Lim chats with Co...
Mar 28, 2025•1 hr 4 min•Ep. 125
Many high-income singles in their 30s are rushing to buy condos for status and wealth preservation—but is it the right move, or just a costly mistake? In this follow-up episode of NOTG, George Peng, Phyllis Goh, and Yong Zhun from PropertyLimBrothers dive into the key considerations for self-employed professionals looking to enter the property market. They discuss if new launches often are the better investment engine, talk about how to assess financial sustainability when taking on a mortgage, ...
Mar 21, 2025•48 min•Ep. 124
Wayne and Joanne, both 27 years old and earning $4,000 each, are ready to take the next big step—buying their first home. But with skyrocketing property prices and so many options, they’re unsure where to start. Should they go for a BTO, resale HDB, or a resale condo? What if they make the wrong decision? In this episode of NOTG, George Peng, Phyllis Goh, and Yong Zhun from PropertyLimBrothers break down exactly what young couples need to consider before making their first property purchase. Und...
Mar 14, 2025•52 min•Ep. 123
Every experience is a dot waiting to be connected. The more you explore—through the people you meet, the lessons you learn, and the risks you take—the clearer the bigger picture becomes. For Johnathan Chua, CEO and co-founder of GRVTY Media, these dots have shaped his entrepreneurial journey in unexpected ways. From growing up in a family of entrepreneurs to resigning just two weeks after a pay rise, every decision led him toward building one of the region’s most recognised media companies. In t...
Mar 07, 2025•1 hr 21 min•Ep. 122
Buying your first property is a significant milestone, but what happens when you decide to do it with a friend? George , Jun Wei, and Yu Rong from PropertyLimBrothers talk about crucial decisions that Ryan, a 28-year-old earning $6,000 per month, must make as he plans to co-own a property. They break down why floor plan efficiency matters for long-term value, how to spot price differences within the same development, and how much Ryan can actually afford to borrow. More importantly, they tackle ...
Feb 28, 2025•56 min•Ep. 121
What if the home you choose today could either unlock financial freedom or become your biggest regret? Today on NOTG, George, Jun Wei, and Yu Rong dive into the high-stakes decision faced by personas Peter and Lucy, a couple earning $25,000 each, torn between a landed property or a high-quantum 4- or 5-bedder condo. With a $4 million to $5 million loan on the table, the wrong move could mean stretching their finances too thin or missing out on future gains. Should they prioritise an own-stay hom...
Feb 21, 2025•55 min•Ep. 120
‘People buy people first,’ says global speaker Eric Feng, who has built his reputation on this principle, going from being invisible to speaking in 38 countries and shaping the way experts brand themselves. Now writing his fourth book, he shares why public speaking, personal branding, and AI are shaping the future of business and influence. In this episode of NOTG, Melvin Lim speaks with Eric about the marketing skill too many entrepreneurs ignore, how personal branding safeguards opportunities,...
Feb 14, 2025•58 min•Season 3Ep. 104
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...
Feb 07, 2025•43 min•Ep. 119
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 pa...
Jan 31, 2025•39 min•Ep. 118
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 ov...
Jan 24, 2025•1 hr 2 min•Ep. 117
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 c...
Jan 17, 2025•49 min•Ep. 116
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 unde...
Jan 10, 2025•1 hr 6 min•Ep. 115
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 divor...
Jan 03, 2025•53 min•Ep. 114
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 antici...
Dec 27, 2024•58 min•Ep. 113
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...
Dec 20, 2024•1 hr 15 min•Ep. 112
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 ...
Dec 13, 2024•36 min•Ep. 111
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, ...
Dec 06, 2024•37 min•Ep. 110
