For Singapore HENRYs buying private property
For Singaporeans who don't fit the mould
If you're a founder, freelancer, or consultant, your income looks messy to a bank. We help you understand your actual loan eligibility — and how to improve it.
Who this is for
Founders & directors
Salary + dividends split makes banks sceptical. We explain what counts and what doesn't.
Freelancers & consultants
Variable income and project-based pay gets heavily discounted. There are ways to fix this.
Commission-based earners
Base pay is fine. The variable portion gets a 30% haircut. We show you the numbers.
From the library
View all →Why Your Bank Thinks You Earn Less Than You Do
The 30% haircut on variable income explained — and what you can do about it.
10 Mar 2026
Getting a Mortgage When Your Income Is Complicated
A practical guide to the mortgage process for founders, freelancers, and consultants with non-standard income.
8 Mar 2026
How to Structure Your Income Before Applying for a Property Loan
Practical steps founders and freelancers can take to increase assessed income before their mortgage application.
6 Mar 2026