PropertyLimBrothers (PLB) hosted their annual Landed Property Convention last May 11, 2024, which took place at Shangri-La Singapore.

The 2024 edition, themed “Bigger, Bolder, and Better,” underscored the latest trends in landed property investment, emerging development opportunities, and financing solutions. This year, Greystone Advisory contributed to the event as an exclusive partner, providing invaluable expertise in property loans and investment financing.

Key Speaker Insights

Staying true to its theme, “Bigger, Bolder, and Better,” the PLB Landed Property Convention 2024 brought together a diverse panel of industry leaders, offering attendees an in-depth look at Singapore’s evolving landed property market. Featuring four keynote presentations and three fireside chats, the convention delivered a continuous stream of expert insights from developers, builders, and sustainability advocates in the solar energy and EV sectors.

Pricing Strategies for Landed Home Investments

Taking centre stage, Melvin Lim, Co-founder and CEO of PropertyLimBrothers, unveiled cutting-edge pricing strategies for landed home investments. Drawing from over 16 years of industry experience and extensive market data, he introduced PLB’s latest Inherent Characteristics Pricing Framework—a data-driven approach to understanding the differences between slow-growth and high-growth landed enclaves.

A highlight of his keynote was the exclusive “Four Horses of Landed Properties” framework, a transformative model designed to help investors identify opportunities, mitigate risks, and maximise returns. His 30-minute session provided attendees with actionable insights to navigate Singapore’s complex landed property landscape confidently.

Preparing Landed Homes for Sale

The convention also featured a highly engaging fireside chat with Jesley Lim and Lee Jun Wei, covering practical strategies for preparing landed homes for sale. Key takeaways included:

The power of professional home staging in increasing perceived property value.
Strategic pricing models to attract high-intent buyers.
Marketing approaches that leverage digital platforms for maximum reach.

Through real-life success stories, they demonstrated how strategic home presentation and pricing could significantly impact sales outcomes.

Sustainability for Landed Homes

Sustainability took centre stage as Satish Prasath and Daryl Tang, Founders of PMCE Global, delivered a keynote on the economic and environmental advantages of solar energy solutions for landed properties. Their insights revealed that homeowners could achieve up to 80% savings on electricity bills while increasing their property’s long-term value.

Complementing this discussion, Loh Qi Min, Senior Sales Engineer at City Energy, explored the benefits of installing EV chargers in landed homes. She emphasised how low-carbon energy solutions are shaping the future of sustainable homeownership in Singapore.

Market Trends & Investment Strategies: Expert Panel Discussion

In a highly anticipated fireside chat, Joanne Tong (Development Manager, FRX Capital) and Raymond Phua (Founder & CEO, Da Vinci Land) joined PLB’s Director of Client Engagement, Wayne Tang, to discuss:

Latest market trends impacting landed property investment.
Strategies for differentiation in a competitive real estate landscape.
The future of landed property development in Singapore.

Meanwhile, Brian Kow (Founder of Nic & Wes Builders) provided a comprehensive breakdown of construction and reconstruction costs for landed homes, including factors such as material prices, labour, and sustainable building techniques.

Lessons from a Year-Long Landed Home Rebuild

Wrapping up the day’s discussions, Jake Yeoh (Co-founder, Chartered Building Surveyor ZLC) and George Peng (PropertyLimBrothers Consultant) reflected on a year’s worth of progress in a landed home rebuild. They shared common pitfalls, costly mistakes, and best practices for homeowners looking to reconstruct, renovate, or rebuild their properties.

Greystone Advisory’s Booth

Aside from the inspiring and informative talks, event partners had the opportunity to connect with attendees and showcase their expertise.

Our team at Greystone Advisory had set up an interactive booth that allowed us to engage with numerous industry stakeholders. We also provided exclusive event offers and explored strategic collaborations to showcase our expertise in property financing.

1. Educational Booth

Our engaging educational booth offered attendees an interactive experience to explore private mortgage loans. Visitors had access to informative videos, brochures, and one-on-one consultations with financing specialists to better understand their options.

A highlight of the booth was the “Loan Eligibility Checker”—a user-friendly financing calculator that allowed attendees to assess their borrowing potential instantly. Additionally, those interested in a deeper dive into their financing options could book a complimentary post-event consultation with our property loan brokers for a tailored strategy session.

2. Exclusive Event Offers for Attendees

To provide added value, our team introduced exclusive event-only perks for attendees exploring private mortgage loans. Those who registered during the event gained access to a free property financing strategy session designed to help them navigate complex lending scenarios and improve their approach to getting for mortgage financing.

Early sign-ups also enjoyed a special rate or fee waiver on private loan structuring, making it an ideal opportunity for buyers, investors, and homeowners looking for flexible financing solutions. These limited-time offers ensured that attendees walked away with not just insights but tangible financial advantages.

3. Networking & Collaboration with Other Stakeholders

Beyond educating attendees, we also engaged with real estate agents, property lawyers, and financial advisors to explore future partnerships. By connecting with these key stakeholders, our team aimed to bridge the gap between alternative financing solutions and the real estate ecosystem.

Additionally, discussions with PropertyLimBrothers opened doors for potential collaborations, including future webinars, blogs, and video content focused on alternative mortgage financing for landed property owners in Singapore. This initiative ensures continued education and accessibility for buyers, sellers, and investors beyond the event.

Future Panel Discussion: Unlocking the Potential of Alternative Mortgage Financing

Looking ahead, our team is set to take the stage at the next PLB Property Convention with a dedicated panel discussion on “Unlocking the Potential of Alternative Mortgage Financing.” This session will highlight how private property loans can serve as a strategic financial tool for:

Property owners looking to unlock equity while selling their homes.
Buyers and investors who require more liquidity for property purchases.
Boutique developers seeking financing for new projects.
Owners struggling with TDSR (Total Debt Servicing Ratio) or LTV (Loan-to-Value) restrictions from traditional banks.

Through real-life case studies, we will showcase how private lending has enabled property owners to refinance, restructure debt, and unlock capital in ways that conventional banking solutions cannot. This panel promises to offer invaluable insights for those navigating Singapore’s dynamic real estate market.

With these initiatives, we are committed to helping property owners get smarter, more flexible financing solutions. Our professionals work to ensure they make informed, strategic decisions in an evolving property landscape.

The Starting Point In Shaping the Future of Landed Property Investment

PLB’s Landed Property Convention 2024 set a new benchmark in Singapore’s real estate industry, equipping investors and real estate experts with valuable insights.

As Singapore’s landed property market continues to evolve, events like these give property enthusiasts the right strategies, financial tools, and expert guidance to make informed investment decisions.

For more insights into mortgage financing, check out our guide on how to get a home mortgage loan with bad credit and how to get financing for commercial property.

Situation 1	BANK’S REPOSSESSION
Deal Type	Refinancing with Fresh Cash-Out
Property	3 Bedroom Condo along Meyer Road
Property Value	$3.2M
New Loan Amount	$2.4M (with fresh cash-out of $500K)
LTV	75%
Synopsis	Customer, age 51, a senior marketing director in the food logistics industry, was being retrenched in August last year without any prior notice. With his wife being a full-time homemaker, he found himself soon having difficulties in servicing his mortgage repayments, resulting in the bank taking steps to repossess the property for a mortgagee sale within a short span of 6 months. Despite only having a $1.4M outstanding mortgage with $600K of CPF usage, the bank was unable to grant him additional cash-out facilities to tide him through this challenging period, as he couldn’t pass the 55% TDSR threshold in the absence of regular reported income.
Solution (1)	Luckily, the customer managed to find us in time and we eventually saved his house from being repossessed. Arranged our private property lender to grant a $2.4M mortgage loan, out of which $1.4M to redeem his existing mortgage, $600K to refund to CPF with remaining $400K fresh term loan for his personal use, which includes servicing of the monthly instalments with the new private lender.
Solution (2)	The customer managed to find a new employment sometime in March this year. We had since successfully helped the customer to refinance the $2.4M from the private lender sometime in September this year.

Situation 3	INHERITANCE DISPUTES
Deal Type	To finance purchase of sibling’s share in the property
Property	Sem-Detached house along Jalan Seaview
Property Value	$$7.5M
New Loan Amount	$2.8M
LTV	37.5%
Synopsis	Customer, age 62, had jointly inherited the above fully-paid property together with his sister when their father passed away sometime in June last year. Both siblings were at constant disagreements regarding the sale of the property. Customer had always wanted to keep the property for future capital appreciation and his sister was in favour of selling the property so that she could use the sales proceeds to fund her new condo purchase.
Solution (1)	Unable to reach a consensus, the Customer then wanted to buy over his sister 50% equity stakes in the property (valued at $3.75M). Customer was unable get the bank to finance his part purchase exercise as he cannot meet the TDSR requirement and loan tenure. We then managed to get our private lender to finance his purchase of his sister’s share with a $2.8M loan (with a 75% LTV against the $3.75M purchase price)
Solution (2)	Separate financing had also been arranged for the remaining $950K cash difference (being the balance of the remaining 25% purchase price), which was secured by pledging part of Customer’s 50% stakes in the property as well.

Situation 2	BANKRUPTCY LAWSUIT
Deal Type	Refinancing with Fresh Cash-Out
Property Type	Detached House in Newton Area
Property Value	$14M
New Loan Amount	$10M
LTV	71.4%
Synopsis	Customer, age 72, was facing one of the biggest challenges as a veteran businessman, when one of his suppliers had filed a bankruptcy application against him (being the guarantor for his group of F&B companies). After successfully obtained the court judgement for a claim-sum of $1.9M, the customer was eventually given 2-month timeline to settle the payment, failing which he would be in imminent danger of being declared a bankrupt, thus crumbling his business empire which he had built for decades. Despite only having an outstanding mortgage of $7.5M (with a 53.5% LTV against its $14M valuation), no bank is willing to explore the fresh financing in view of his age and more importantly, the pending bankruptcy lawsuit.
Solution	Secured a $10M financing (@ 71.4% LTV from a non-bank lender, out of which $8.5M was to redeem his existing bank loan with another $1.9M to be earmarked to be paid to the supplier on the agreed deadline. Remaining $600K was disbursed to the Borrower for his personal use. With the payment made to the supplier and eventual complete withdrawal of the bankruptcy application, we have thus successfully helped our customer to avert the disaster of being made a bankrupt at this age and he can now refocus on rebuilding and restructuring his other business portfolio

Challenge 6	MULTI-PROPERTIES OWNER
Deal Type	Refinancing (with fresh cash-out)
Property	Good Class Bungalow (“GCB”) in Holland vicinity
Property Value	$70M
Existing Mortgage	$28M
New Loan Amount	$50M (with fresh $22M cash-out)
LTV	71.4%
Synopsis	At the age of 60, our borrower stood as a seasoned property investor with a remarkable portfolio of prestigious GCBs and luxurious Sentosa Bungalows. His journey was a testament to years of astute investment decisions. However, even a seasoned investor can face hurdles. Despite his impressive corporate and professional profile, the ever-evolving TDSR regulations had cast a shadow over his aspirations for further financial growth. His own bank had to adhere to these stringent regulations, leaving him unable to access additional facilities.
Solution	With determination and creativity, we set out to secure a $50 million mortgage loan from a non-bank lender. What made this solution stand out was the 18-month interest servicing repayment plan. Now equipped with fresh capital, our borrower could breathe new life into his retail business, expanding it like never before with a $22 million cash-out facility. But our assistance didn’t stop there. We successfully guided the borrower in refinancing the mortgage loan back to a local private bank just nine months after the initial disbursement. This win is a narrative of resilience and adaptability.

Challenge 3	POOR CREDIT GRADING
Deal Type	Refinancing with Fresh Cash-Out
Property	Bungalow in Katong
Property Value	$9M
Existing Loan	$5M
New Loan Amount	$7.5M (with fresh $2.5M Cash-Out)
LTV	83.3%
Synopsis	At 62 years old, our customer faced a roadblock. His aspirations for additional mortgage financing hit a snag as his bank hesitated due to both his age and an unfavorable “HH” credit bureau rating. This rating was a result of overdue credit card facilities amounting to a hefty $1.2 million.
Solution	With a determined spirit, we sought out an alternative path. Through our network of non-bank lenders, we secured a remarkable $7.5 million term loan facility. It was not just a financial transaction; it was a lifeline. The first step was to use $2.5 million of this fresh term loan to clear off the burdensome $1.2 million in overdue credit card facilities. It was a moment of relief, a chance to leave the past behind. But that was not all. The remaining funds were now at our customer’s disposal for personal investments, a fresh start to chase new dreams. This story encapsulates our commitment to finding solutions when doors seem closed. .