Insights

Insights

James's analytical takes on Singapore property — investment thesis, market positioning, the property-as-hedge argument, and the decisions most agents don't cover. Informed opinion grounded in transaction data and 15+ years of Managing Agent experience.

67 posts
How Interest Rates Affect Your Singapore Property Move

How Interest Rates Affect Your Singapore Property Move

SORA fell from 3.0% to 1.18% in 12 months. Fixed packages are now 1.4–1.8% — roughly half the 2023 peak. This is not a permanent new normal. Whether you are buying now, upgrading from HDB or holding a rental property, your decision needs to work at 1.6% and at 3.5%. Here is the framework.

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