NOTG - Nuggets on the Go by PropertyLimBrothers

Melvin Lim
NOTG - Nuggets on the Go by PropertyLimBrothers

Bite-sized nuggets of real estate information by Melvin Lim from PropertyLimBrothers, PLB! Popularised as one of the go-to Singapore podcasts on Spotify, we cover everything from tips and advice, facts, and know-hows on buying, selling, and investing in properties in Singapore.

  1. HÁ 5 DIAS

    #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

    36min

  2. 6 DE DEZ.

    #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

    37min

  3. 29 DE NOV.

    #93: Multiple Property Investment, Financial Readiness & New Launch vs Resale

    This episode of NOTG references Ian and Grace, a married couple in their late 30s with a clear goal: to invest in multiple properties and assets. Like many investors at this stage, they face challenges such as rising interest rates, uncertainty about timing, and a lack of clarity on their next steps.   George, Alexa, and Yong Zhun from PropertyLimBrothers dives into strategies tailored for those aged 35 to 45 with high earning power. They talk about essential in-and-out strategies to unlock capital growth while tackling today’s market challenges critical considerations for property investment, from assessing financial readiness—loan amounts, income, mortgage terms, and MCST costs—to balancing needs and wants.   Plus, find out what are the red flags to watch out for to avoid costly mistakes. Boost your confidence in property investment decisions. Tune in for thoughtful strategies, real-life examples, and expert frameworks designed to elevate your property journey!   Timestamps00:00 Intro00:51 Real estate buying seasons01:47 Summer season recap02:26 Introduction of personas (Ian & Grace)04:57 Estimated TDSR/MSR values (and options) for Ian & Grace06:17 Recommendations for Ian & Grace12:02 Jurong area developments16:19 Punggol/Seng Kang area developments18:19 Property options for Ian & Grace in the Jurong area22:32 Property options for Ian & Grace in the Punggol/Seng Kang area25:44 Financial calculations for Ian & Grace32:54 Buy 2 resale vs buy 1 new launch36:33 Financial calculations for Ian & Grace (continue)38:14 Alexa's client case study40:02 Calculations for new launch41:15 Alexa's client case study (continue)42:20 Things to take note before buying into a property (sudden changes in your life, economy and policy)43:27 Other investment options and investment tips55:29 Non-landed Private Historical Price Index graphs1:00:06 "Buying the Wrong Property"1:02:21 New Launch vs Resale1:04:36 Own Stay vs Investment1:07:09 Closing Statements1:10:45 Part 2 Teaser1:11:23 Outtakes

    1h12min

  4. 22 DE NOV.

    #92: Mayiduo on Choosing Business over School, Life in Interior Design & Media Plans

    Internet sensation Kelvin Tan, more popularly known as Mayiduo, has an entrepreneurial journey that is an inspiring story of grit, growth, and unwavering vision. Leaving behind a traditional career path in ACCA to pursue his passion, Kelvin has built three thriving businesses, now earning $10 million in revenue.   In this episode of the NOTG Podcast, Melvin Lim from PropertyLimBrothers chats with Kelvin about his resilience and journey of self-discovery as an entrepreneur, filmmaker, and visionary behind EL Print, SG Interior Design, and Double Up Media. Learn how failures became Kelvin’s greatest mentors, shaping his mindset and teaching him invaluable lessons about leadership, communication, and perseverance. Kelvin will also share about the upcoming regulations and accreditations surrounding interior designers, and what he thinks about ID firms that disappear overnight.   Hear how he aligns his career with his personal mission, fostering creativity and pursuing his aspirations in filmmaking and the Southeast Asian movie industry. All these and more on this episode of NOTG!   Time Stamps 00:00 Intro00:33 Mayiduo's education history02:45 Advice for young entrepreneurs05:30 Sustainable Success06:24 Importance of specializing and honing in on your skills (Traits that lead to success)07:47 Most important skill for success09:06 Toughest challenge of being a business owner10:32 Most rewarding part of being a business owner11:45 "Which of your 3 businesses are you focusing on the most now?"12:24 Globalisation and its impacts on the apparel printing industry13:24 Importance on being flexible with your business14:16 "What did you learn about the market after owning multiple businesses?"16:23 Mayiduo's journey in the renovation business17:11 How to overcome the fears of starting a business18:59 Mayiduo first viral video19:53 Current status on his renovation business (Current projects, employee count, etc)22:12 "How does it feel to hand over a company?"23:32 "What is the renovation industry like in Singapore?"24:39 Interior Design Accreditation25:39 Issues with Singapore's renovation industry27:45 How to choose an Interior Design firm28:45 "What is one memorable case study that you have?"30:16 Struggles of Interior Designers31:57 Interior Designer's payment model32:38 Struggles of Interior Designers (continued)34:07 "How do you encourage, motivate and reward your employees?"36:09 Mayiduo's future plans (New film, personal life plans)36:58 "Southeast Asian Film industry is untapped."37:25 Mayiduo's plans to tap into the local film industry39:37 "What helped you to becoming a film director?"41:44 Final advice for aspiring/young business owners45:57 Q&A: "What is one advice you would give to your younger self?"46:28 Q&A: "In what ways do your career align with your mission in this world?"46:57 Outtakes

    47min

  5. 15 DE NOV.

    #91: Buying Cheap, Spotting Investment Opportunities, and How Invest with Confidence

    This week, Melvin Lim, Co-Founder and CEO of PropertyLimBrothers, speaks with Tay Chi Keng, a finance YouTuber renowned locally for his thrifty investment philosophy.   Chi Keng started creating finance content during his university days over three years ago and quickly built a name for himself with his sharp analysis and bold plays in the Chinese tech market. What’s the secret to his success? Simply to: “Buy cheap”. He’s got strong opinions on bonds (spoiler: not a fan) and shares the importance of building networks and spotting signals to make confident moves.   Melvin brings his real estate perspective into the mix, contrasting Tay’s stock market manoeuvres and how property popularity plays into successful investments. Get ready for a blend of finance talk and invaluable lessons that will reshape how you think about investing. Find out what Chi Keng thinks of the stock market’s future as well.   Timestamps:  00:00 Intro00:52 Why finance content?04:30 All intelligent investing is value investing08:28 How to hunt for your next stock investment12:22 Gut feeling to invest13:35 Does the popularity of the stock matter?15:06 All in investing18:50 Losing to inflation21:49 Seasons of investing in a life cycle22:19 Are cash being eroded?23:02 Losing money in investments27:32 Why invest in China?39:04 Cashing out of China stocks42:44 Prediction to the stock market next year45:54 Timing your investment48:10 Full time content creator?52:31 Stop creating content?53:23 AI stocks / NVIDIA Stocks01:00:48 Friends asking for investment advice01:03:05 Plan towards age 3001:06:15 Share buyback01:08:08 First stock / Future business plans01:09:34 Experience losing money01:12:04 If time and money is not a concern01:13:27 Outtakes

    1h14min

  6. 8 DE NOV.

    #90: Is CPF Investment Risky? How To Utilise CPF Wisely and How to Fight Inflation

    In this episode, Melvin Lim, Co-founder and CEO of PropertyLimBrothers, sits down with Chris Chong, the force behind @HoneyMoneySG. From a corporate career to a full-time content creator, Chris has taken a unique path to share valuable insights on personal finance and CPF.   Since starting his YouTube channel in 2021, Chris has since built a dedicated following with his straightforward takes on money matters, especially how to maximise CPF for a secure financial future. Chris and Melvin discuss what it takes to grow your income strategically, use CPF for investments, and overcome limiting beliefs that can hold you back. Chris also gives practical advice on channel monetisation and shares the critical steps he believes are essential for financial freedom.   Hear what Chris has to say about investing in property and self-improvement as the ultimate ways to tackle inflation head-on. Learn why personal finance is more than just numbers—and how to make your money work smarter for you!   Timestamps:00:00 Intro01:41 How HoneyMoneySG started05:22 Career transition from Finance to Logistics06:57 Making videos about CPF11:47 Reducing expenses13:10 CPF investing16:43 Benefits about moving to Malaysia23:50 5 year plan24:20 Mindset about money27:45 Investing to memories32:08 Monitising HoneyMoneySG YouTube channel35:18 Financial Independence, Retire Early (FIRE) Retirement40:25 Ideal retirement47:38 Fighting inflation51:21 One of the best investments53:03 Burn out56:22 Quiting to pursuing a career in YouTube59:10 Meaning of current work01:01:08 Recent goals01:02:26 Sharing milestones01:03:11 Closing thoughts01:04:05 Outtakes

    1h4min

  7. 1 DE NOV.

    #89: Tips for HDB Upgraders, Property vs. Stock Investments & 99-1 Ownership

    Jesley, Alexa, and George from PropertyLimBrothers talks about the essential strategies specifically for HDB upgraders like John and Michel, and continues on the search for their right property.   This young, ambitious couple is eager to grow their wealth by moving into the condo market—but with big investments come big decisions, and they’re understandably cautious about the risks. Learn why supply, demand, and property age are essential factors when scouting for your ideal condo—and don’t miss George’s personal advice if he were in John and Michel’s shoes!   The team also discuss why timing is crucial for upgraders, what to keep in mind when choosing a property. and compare investments in stocks vs real estate. Packed with real-life examples and expert advice, this episode is also your guide towards making the best possible real estate decisions.   Timestamps : 00:00 Intro00:37 John and Michel Introduction01:59 Real Estate “Horror Stories”04:09 Investing in stocks vs real estate08:16 Motivations to upgrade to a condo in your 30s08:48 Financial planning for John and Michel11:55 George’s Punggol HDB Sale14:25 Things to consider before upgrading from HDB to Private16:16 George’s Punggol HDB Sale (Continue)16:26 Expansion Phase vs Consolidation Phase17:05 Advice to John and Michel19:02 New Launch vs Resale Condo21:04 GFA Harmonisation21:25 What is the “best” New Launch to buy right now?22:07 New Launch vs Resale Condo (Continue)23:03 Advice to John and Michel (Continue)24:44 Couple’s concerns with 99 to 1 property ownership26:52 Advice to John and Michel (Continue)27:57 Closing28:06 Outtakes

    28min

  8. 25 DE OUT.

    #88: Fed Rate Cuts, Market Reactions & Cooling Measures To Support First-time Buyers

    Jesley, Alexa, and George from PropertyLimBrothers talk about the FED’s 15% interest rate cut could reshape the real estate market in 2025. With the rate reduction aimed at curbing inflation, the property market is buzzing with new opportunities. If you’re newly married, early in your career, and looking to make the smartest property move—this episode is for you. They break down the impact of lower interest rates on property demand, discussing whether now is the time to buy or if waiting is a smarter strategy. Is the resale market about to heat up? How will enhanced housing grants and reduced loan-to-value ratios affect HDB buyers? Through the persona of a young couple, Wayne and Joanne—fresh graduates navigating their first big property decision—our team answers key questions like: Should you choose a BTO flat or resale HDB? What about a 2-bedroom condo? And how do you make sure your first property sets you up for future capital gains?   With engaging discussions on grants, market trends, and future-proofing your real estate decisions, this episode provides actionable insights tailored for those in the Spring of life. More on this episode!   Timestamps: 00:00 Intro01:25 Article: "Fed slashes interests rates by a half point"03:35 Client's opinions on interest rate cuts05:21 Article: "2 ways the latest fed interest rate cut affects Singaporean homeowners"08:59 Article: "Measures to cool the HDB resale market and provide more support for first-time home buyers"09:28 Thoughts on latest cooling measure10:43 Who is affected by the cooling measure?13:53 Increase in Enhanced CPF Housing Grants (EHG)14:30 Who is affected by the cooling measure? (Continue)18:59 Article: "How would reduced loan-to-value (LTV) limit, larger housing grants affect HDB buyers?"19:58 Article: "Vast majority of HDB buyers not affected by tighter loan-to-value (LTV) limit"21:09 Wayne and Joanne introduction22:12 Advice for Wayne and Joanne42:24 George's life experiences and property buying journey47:41 Advice: "First-time home buyers should take their time and get a second opinion before buying a home"48:19 Alexa's life experiences and property buying journey50:43 3 factors to determine what properties you can buy51:11 Advice: "First-time home buyers should take their time and get a second opinion before buying a home" (Continue)52:20 Teaser for Part 252:52 Outtakes

    53min
Ver tudo (100)

Classificações e avaliações

Sobre

Bite-sized nuggets of real estate information by Melvin Lim from PropertyLimBrothers, PLB! Popularised as one of the go-to Singapore podcasts on Spotify, we cover everything from tips and advice, facts, and know-hows on buying, selling, and investing in properties in Singapore.

Informações

Você também pode gostar de

Para ouvir episódios explícitos, inicie sessão.

Fique por dentro deste podcast

Inicie sessão ou crie uma conta para seguir podcasts, salvar episódios e receber as atualizações mais recentes.
Selecionar um país ou região

África, Oriente Médio e Índia

Ásia‑Pacífico

Europa

América Latina e Caribe

Estados Unidos e Canadá