What if the home you choose today could either unlock financial freedom or become your biggest regret? Today on NOTG, George, Jun Wei, and Yu Rong dive into the high-stakes decision faced by personas Peter and Lucy, a couple earning $25,000 each, torn between a landed property or a high-quantum 4- or 5-bedder condo.

With a $4 million to $5 million loan on the table, the wrong move could mean stretching their finances too thin or missing out on future gains. Should they prioritise an own-stay home, an investment strategy, or a mix of both? Which option carries the biggest risks or the highest upside? The discussion digs into the real impact of stress test rates, explores landed home conditions, and breaks down how uneven income between partners can affect ownership structure.

Plus, why installing a lift in a landed home might be one of the smartest investments they can make. For those planning their next big property decision, this episode offers a data-driven perspective on what works, what doesn’t, and how to make the most of every dollar invested. Tune in now!

00:00 Introduction
01:31 Today’s Topic: Real Estate Personas
03:03 Peter & Lucy: High-Income Home Buyers' Dilemma
04:09 Common Fears When Buying Property
05:46 Financial Calculations & Loan Considerations
08:04 Case Study: A Couple’s Real Estate Investment Strategy
10:30 Leasehold Concerns & En Bloc Discussions
14:10 Evaluating New Launch vs. Landed Property
16:37 Landed Property Rental Yield Considerations
19:05 Weighing Risk & Reward in Property Investment
23:58 Peter & Lucy’s Property Investment Options
30:12 Financial Strategy: Diversifying Real Estate Investments
39:00 Understanding Property Classes (Landed, Condo, HDB)
45:17 Property Selection Factors & Market Trends
54:13 Next Episode...
55:08 Outtakes