How to buy your dream residential property or investment property?
Buying a property can be emotionally drenching and financially risky. Your dream home can turn into a nightmare if you do not structure the finances correctly.
During the property buying stage, a lot of things can go wrong during the property buying process.
On top of that, there are also Singapore property agents who can play tricks on you.
Buying an over-valued property is perhaps one of the least worries amongst many other dangers and traps in property buying.
At Property Buyer Mortgage Consultants, we are research-focused. We write articles and commentaries on Singapore Properties, economics, finance and investments which are fact based and critical. We often write to dispel myths to help Property Buyers sort through all the noise in the market.
We do NOT plagiarize by copying intellectual property or simply pasting news articles from Channel News Asia or Straits times.
We are probably the only Mortgage Consultant Broker in Singapore that produces research articles.
Our researchers are Finance, Investment and economics trained. Our Chief editor is a MBA graduate from a prestigious University renowned for finance and investment.
WHO is “PROPERTY BUYER”?
Property Buyer is a Mortgage Consultant and Buyer Advisor. We help property buyers and investors (be it individual or companies) to structure mortgage loans for their residential, commercial (Retail, offices) as well as industrial properties.
ARE WE PROPERTY AGENTS?
NO, we are not property agents. At least not now. (For the moment we are still unable to reconcile the conflict of interests that stems from property buying and selling.)
The one thing that we can do is to reduce the emotional aspect of property buying by providing research and fact based data to help our property buyers and investors make valuable and informed investment decisions.
There are many different types of residential units:
- Building under construction (BUC) Condominiums and Apartments
- Building under construction (BUC) Executive Condominiums
- Building under construction (BUC) HDB and DBSS
- Completed Condominiums and Apartments
- Completed HDB
- Heritage Residential cum shop-house dwelling
- Landed Property
- Strata titled Cluster housing
FREE MORTGAGE ADVICE – WHY SO GOOD?
There is no free lunch. We all need an income to support our families.
Property Buyer Mortgage consultant and broker acts like an outsourced banker, banks pay us a fee on successful loans completed, therefore we have decided not to charge a fee to our customers for residential loans. (We will inform you upfront in case there are any changes.)
The rates you get from us will be same as what you can get from the banks, and sometimes we get volume rates from the banks which are cheaper than what you can get.
TIME CONSUMING MORTGAGE LOANS SEARCH
There are 100s of loans and packages out there in the market. Doing this work is time consuming. Not only that, you will be required to submit multiple sets of documents to multiple people and track their individual progress.
This work is estimated to take 3 to 5 working days of your time.
Property Buyer provides you with a ONE-STOP Consultancy service and none of the hassle. Bankers tend to rush you, we are efficient, but unhurried and patient.
We even have personalised COURIER SERVICE which could pick up your hard copy documents and process it. Our consultants will also meet you to go through the PROS and CONS of each loan package short listed so that you understand all the financial and home loans jargon and it’s implications.
THE PROPERTY BUYER DIFFERENCE – THE ADVISORY
Property Buyer not only helps the buyers in structuring and shortlist of mortgage home loans, but also provide a service many mortgage brokers cannot provide.
We provide Property Buyer Advisory.
The Property Buyer advisory service is also free of charge.
The Property Buyer Advisory service involves intensive research and advice:
- RESEARCH – Property targeted – Location and it’s viability
- RESEARCH – Property valuation and estimated fair value
- ADVICE – Recommend safe bidding range
- ADVICE – Personal finances – Affordability check
- ADVICE – Personal finances – Loan Quantum estimate
- ADVICE – Loan discussion and Loan structuring
- RESEARCH – Confirm and check Property historical transaction value
- RESEARCH – Check Regulatory environment
- RESEARCH – Investment Yield sensitivity
- RESEARCH – Investment returns sensitivity
- RESEARCH – Historical price benchmarking
- SERVICE – Price Negotiation
- RESEARCH – Macro and Micro economic analysis
- RESEARCH – Supply and Demand Analysis
MEMBERSHIP AND ACCESS TO OUR CONSULTANTS
Our customers are our members and our friends. This membership gives you access to first hand research which we do every quarter. From time to time, our members will receive time sensitive research at least 2 weeks earlier than what our other readers will receive.
CONTACT PROPERTY BUYER MORTGAGE CONSULTANTS
WE RESEARCH, YOU SAVE
Please read our Disclaimer and terms and conditions of Service
Consider a Career with Property Buyer Consultants
Not simply Cheap, but what fits
PROPERTY BUYER ADVISOR PREMIUM
From time to time, property buyers may commission us to conduct more intensive property buying research. This service is called, PROPERTY BUYER ADVISOR PREMIUM. This is a FEE based consultancy and service. Read more about Property Buyer Advisor Premium.