All articles
10 articles
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
Buying Private Property With Low CPF: What You Need to Know
If you've been self-employed or freelancing, your CPF-OA balance might be low. Here's how it affects your private property purchase.
5 Mar 2026
Freelancer's Guide to Getting a Home Loan in Singapore
Step-by-step: how freelancers in Singapore can prepare for and successfully get a home loan.
4 Mar 2026
Director Salary vs Dividends: How Your Pay Structure Affects Your Mortgage
If you're a company director, how you split your pay between salary and dividends has a direct impact on how much you can borrow.
3 Mar 2026
TDSR Explained for Variable-Income Earners
A plain-English breakdown of how TDSR works when your income isn't a fixed monthly salary.
2 Mar 2026
Self-Employed and Using CPF-OA for Property: A Realistic Guide
Voluntary CPF contributions, Medisave requirements, and how to maximise your OA balance as a self-employed property buyer.
1 Mar 2026
Refinancing When Your Income Has Changed
Thinking of refinancing but your income looks different from when you first borrowed? Here's what to expect.
28 Feb 2026
Using Asset Pledging to Boost Your Loan Eligibility
What asset pledging is, which assets qualify, and whether it makes sense for your situation.
26 Feb 2026