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Hows 2 House

Hows 2 House

By Mortgage Master
Coming from Mortgage Master, Kyler, Peter & David are your hosts for Singapore's only mortgage podcast. Join 'em as they breakdown complicated property jargon for the everyday person, article discussions, reviewing upcoming BTOs, and much more. Come along on a journey that teaches you the Hows 2 House. To find out more about where we come from, check out 🌐 / For any questions or feedback, email us at 📧
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Episode 21: 4 ways to increase your BTO chances

Hows 2 House

Episode 24: The Hidden Costs of Homes
Just when you thought housing in Singapore couldn't get more expensive .... In this episode, we take a look at some of the common hidden costs homebuyers will unexpectedly face. Most people will only factor in the property price and the costs of their renovation, but there are so many more "add-ons" that were not considered, simply because people are unaware. What is 'ALL IN, NETT' and why is this the most important question to ask a conveyancing firm? There are maintenance fees for HDBs? And it varies in every estate?? You can get sued for not buying a house???! We answer all of these ... and more
November 22, 2021
Episode 23: Squid Game & TI10
How much money would it take for you to live comfortably? In this episode, we discuss what the mortgage lads would do if they had enough money to do whatever they want, whether this includes buying a Good Class Bungalow, and our thoughts on squid game and TI10.
November 15, 2021
Episode 22: The PLH Model
Yep, it's a chonky one. In this episode, we break down the newly introduced PLH Model - the Basics, the Effectiveness, the Implications. Will it have more benefits or consequences? Is this just a temporary solution, or will this have the potential to replace the existing BTO model? And ... is the HDB lying about their goal? We answer all of these in this episode. Also,  Baey asks if he should start an OnlyFans ..... we answer that too.
November 8, 2021
Shorts: The Pledge (not what you think)
We, the rich uncles of homebuyers, pledge our funds to one, united bank. Pledging (and un-pledging) property may be an uncommon term for many of us, but it's essentially a transaction of trust. Just like how we put deposits when we have our staycations, it's an act of proving our financial security so that we don't do anything reckless. But, what if you could use that staycation deposit, to upgrade and stay in the honeymoon suite instead? Tune in to find out more about pledging, from our outtakes in Ep. 20.
October 25, 2021
Shorts: How Credit Cards affect your Home Loan
Some extra content from Ep 20's recording, we discuss some basics of a credit card, and how it will affect with how much you can loan when buying your house. (Also Kyler put in a lot of effort for the intro so he's gonna take a nap now)
October 6, 2021
Episode 21: 4 ways to increase your BTO chances
Ez life hacks y'all.  It's debatable that a person is more likely to strike 4D on their first attempt as compared to getting a BTO unit on their first attempt. Singapore's answer for public housing has been known for it's unequivocally equal treatment when it comes to ballots, leaving a fair chance to everyone applying. But, this also has led to some people having to apply for a BTO at least 10 times. In this episode, we talk about ways you can better your chances at getting a BTO, why it leads to a better chance, Baey's opinion of getting a 3-rm flat ... and more
September 27, 2021
Episode 20: Mortgage Servicing Ratio & Total Debt Servicing Ratio
If you're planning to get a house in Singapore, you WILL come across MSR/TDSR. But, don't be frightened if you're unfamiliar with the acronyms. In this episode, we talk the basics of MSR and TDSR - what they mean, what's their purpose, why it's so important ... and more.
September 20, 2021
Episode 19: How the Government decides where to BTO
Wouldn't it be nice to predict the future? Knowing what 4D numbers are coming out next week, or seeing which stocks to buy? Well, maybe now you can.  HDB only releases BTO details for the upcoming launch, not revealing which locations could have new flats 6 months, a year, or even 5 years from now. But, do we really need HDB to announce it, or are we able to find out on our own? In this episode, we discuss how the government decides which area they build BTOs in, and how the factors can decide which area NOT to build BTOs in as well. We also talk about the dragon's vein, botox BTO (or BoTOx), which locations we can expect to see new flats in ... and more.
September 13, 2021
Episode 18: 4 things you can do if you didn't get a BTO (ft. thewokesalaryman)
*epic narrator voice* IN A WORLD ... FULL OF HOPE ... 40,000 PEOPLE ... 5000 UNITS ... ONLY 1 THING IS GUARANTEED ... DISAPPOINTMENT.  For 35,000 people, they will be unsuccessful in bidding for August's BTO, and will not be getting one of the many sought after houses this launch. However, it doesn't have to stay that way. In this episode, we go through 4 plans you can consider if you're still looking for a house. From an original post published by thewokesalaryman, Mortgage Master reviews their tips and discuss whether we agree/disagree with them, which demographic is best suited for each option, a hidden 5th option, a special guest appearance from thewokesalaryman ... and more. 
September 6, 2021
Episode 17: Why young people don't care about housing
YES. YOU. READ. THAT. RIGHT. *snaps* In today's episode, the trio discuss whether young people care about housing or not (you can guess what our stance was from the title). Take a listen to the reasons why they feel this way, and other things like whether young people should even think about housing, and if there has been a shift from the previous generation. 
August 30, 2021
Episode 16: How will Singapore's Housing look like in the Future? (part 2)
Continuing from the previous part, Mr Keith Woo joins the lads of Hows 2 House to discuss how Singapore's housing will look like in the future. With increasing cases of integrated developments for housing, will that be the new way to go? Is it possible to go even further? More importantly, how much will all these cost in the future? Find out more in part 2 of this episode.
August 23, 2021
Episode 16: The Hidden Costs of Condos (part 1)
In today's episode, we're joined by a special guest, Mr Keith Woo, to discuss about his journey as a homebuyer so far. With constant headlines in the news about rising housing prices, people would also think buy high = sell high. However, is that really the case? Tune in to listen to the reality of buying a property with the purpose of investment. 
August 23, 2021
Episode 15: Open House
Mortgage Master holds an Open House to answer your questions and comments! Why is a mortgage compulsory? How much will you need for a house in Singapore? What's the HDB loan hack that nobody knows about?? That, and more. As always, if you have any comments or questions you didn't hear on this episode, send it over to us at
July 5, 2021
Episode 14: The 1 Thing Everyone is Doing Wrong
Look, we get it. When people shop, we look at the item first, THEN the price. It's normal. However, you'd normally still have a budget to follow. $250 for a shirt?! No thanks.  When it comes to housing, you MUST also know what's your budget. It's not as simple as seeing what the price is of the house, because you won't pay all of that immediately. But rather, what you'll have to find out is what's the amount you can comfortably pay EVERY MONTH for the NEXT 25 YEARS. THAT'S 300 PAYMENTS. In this episode, we teach you what's the 1 thing you SHOULD do to ensure a smooth housing journey.
June 28, 2021
Episode 13: CHANGES to be made to housing policies?!
The Population Census was released just last week. In summary, population numbers increased, singlehood increased, birth rates and marriages are decreasing. BUT, the most important question is - WHAT DOES THIS ALL MEAN? In today's episode, we discuss the possible implications that these figures have, and what changes could arise and be implemented in the next 10 years. How does rental and housing prices get affected? Is a certain political figure right in couples just needing 'a small space'? And is BTO going to be dominated by 2-room flats? We answer all of these.
June 21, 2021
Episode 12: Should you use money from your emergency funds for your house downpayment?
The whole world of personal finance branches out to many aspects like savings, loans, retirement and housing. And yes, they're all inter-connected with each other. In today's episode, we discussed whether it's advisable for using money from our personal emergency stash to pay for a housing downpayment. Before that, we go through what exactly a downpayment and an emergency fund is, and what's the purpose of it. What's the take on an emergency fund? Is 6-months of your expenses really the right way? Is there no importance for an emergency fund for younger people now? Find out more in this episode of Hows 2 House.
June 14, 2021
Episode 11: How to apply for a BTO
Housing in Singapore is complicated af .. we know. What exactly do you need to do when you want to get a house? What do you need to prepare? Where do you have to go? What steps do you have to do?  In this episode, we discuss the entire BTO process and explain what you have to do at each step, so that you'll know what to expect when you do eventually apply for one. However, we all know that getting a house is much more than logging online and praying to RNGesus. It's the biggest commitment we'll ever have in our life, which will definitely take a mental and emotional toll on us as well. To help you get a better picture of what thought process and emotion you may be feeling throughout the BTO journey, Baey and Peter also reflect and share with us their thoughts, feelings and experiences when they were going through the BTO journey. Finally, we answer crucial questions such as "Why you should ALWAYS take an HDB loan" and "Something every BTO bidder should know" along the episode.  Ps; apologies for the occasional fan noise in the background. Our suggestion is to also listen to this episode with your fan running so it'll cancel out :)
June 7, 2021
Episode 10: Here's how to save $40,000 (no cap)
Refinancing and Repricing aren't generally known terms, especially if you don't own a house. But it's precisely that reason why most Singaporeans (yes, probably your parents too) overpaid on their housing loans. In this episode, we talk EVERYTHING about refinancing/repricing. We discuss what these concepts are, and how it'll apply when you get a house, regardless of where you live. We also explain how you can go about refinancing/repricing, and how easy it actually is (it only takes 2 hours to save $2k/year!!). And lastly, we close off this episode by recounting Mortgage Master's CEO, David Baey's, most memorable refinancing experience, and how he saved a client $3000 a month. 
May 31, 2021
Episode 9: When's the right time to get a house in Singapore?
In today's episode, we discuss when the right time is to buy a house. Is there a certain age? Does it depend on how well the economy is doing? Or is it when your partner starts nagging at you to BTO? Listen to what the ONE factor both our mortgage masters agreed on is the most important when asking about the right timing to purchase a house. Also, for those who don't intend to get a house soon, we discussed how you could use that as an advantage to make a lil' extra moolah on the side.  Stay safe everyone.
May 24, 2021
Episode 8: What a property agent won't tell you about housing prices
We're backkkkkkkkk, and we're joined by the CEO of Mortgage Master, David Baey, as a new co-host. In this episode, Baey shares his insights on why property prices aren't dropping even though we're in a pandemic. We also discuss some hard truths as to whether a bubble is coming, who will be affected, and what property agents aren't telling people about housing prices in 2021.
May 17, 2021
BTO Shorts: Woodlands May'21
Should you get the Woodlands BTO in May'21? Find out if it's for you. Disclaimer - Figures were calculated at the 2.6% for 25yrs (HDB), and 1.3% for 30yrs (Bank)
April 30, 2021
BTO Shorts: Tengah May'21
Should you get the Tengah BTO in May'21? Find out if it's for you. Disclaimer - Figures were calculated at the 2.6% for 25yrs (HDB), and 1.3% for 30yrs (Bank)
April 30, 2021
BTO Shorts: Geylang May'21
Should you get the Geylang BTO in May'21? Find out if it's for you. Disclaimer - Figures were calculated at the 2.6% for 25yrs (HDB), and 1.3% for 30yrs (Bank)
April 30, 2021
BTO Shorts: Bukit Merah May'21
Should you get the Bukit Merah BTO in May'21? Find out if it's for you. Disclaimer - Figures were calculated at the 2.6% for 25yrs (HDB), and 1.3% for 30yrs (Bank)
April 30, 2021
Episode 7: Staying with Your Parents
It's hard to figure out when's the right time to move out from your parent's and start living on your own, especially in Singapore. In this episode, we discuss if there is a social stigma staying with your parents past a certain age, and what that age is. Plus, does the current system force people to stay with their parents, or has it implemented enough measures that your parents are the ones staying with you instead? Yep, that's some big brain stuff right there.
March 29, 2021
Episode 6: 3 Things to Know About Buying a House When You're 25
One of our hosts, Kyler, just turned 25! And honestly, there's no better time to start figuring out what people at his age should know about housing. We know housing isn't taught in the Singapore education curriculum, and more often than not, people only learn about housing when it's actually time to get a house. However, there are so many crucial decisions that have to be made before that. Here are the Top 3 things you should know before getting a house, as advised by one of our Mortgage Masters, Peter. 
March 22, 2021
Episode 5: HDB loan vs Bank loan
*pulls petals off a flower* "HDB loan? Bank loan? HDB loan? Bank loan?" It's hard to know which loan is better. Additionally for listeners who are new to property/housing, you may not even know what both loans offer. In this episode, we breakdown the main differences between both loans. If you're planning to buy a home in the foreseeable future, this is the perfect 101 lesson for you. 
March 15, 2021
Episode 4: Whouse Wants to Be a Millionaire
No lifelines here .. the question on whether housing prices have gone too high is truly, the million dollar question. In today's episode, Kyler & Peter debate if property prices are indeed too pricey, coming fresh off the year of 2020 that set a new high on million-dollar HDB transactions. Fresh off the year of 2020 that saw a new high on million-dollar HDB transactions, Kyler & Peter debate if property prices are indeed too high. Also, for people who are wondering if they're sitting (or living) in a golden egg, our hosts list out the 5 main factors that tend to soar unit to those million-dollar heights. 
March 8, 2021
Episode 3: BTO Feb'21 Review
The official numbers are out! In this episode, listen to Kyler and Peter discuss about the application rates and the reasons behind why certain sales were not what we expected. Furthermore, riding on the popularity of Harmony Village @ Bukit Batok, Kyler and Peter come up with some of their own ideas and suggestions on what the next Community Care Apartment will be at, and what they'll be called. As we close out this mini-series on the Feb'21 launch, we also make an early, bold prediction regarding the May'21 BTO launch.
March 1, 2021
Episode 2: The Implications of BTO Feb'21 pt. 2
The latest BTO sale just took place about 2 weeks ago. Yet, there are certain implications that can be drawn from this sale and how it may affect the future. In this half of the episode, we discussed whether the Community Care Apartments (CCAs) would affect Kallang/Whampoa, and potentially other estates, whether the current housing systems may be altered because of CCAs, and how Bidadari's skyrocket projection may not seem that promising after all the hype.
February 22, 2021
Episode 2: The Implications of BTO Feb'21 pt. 1
The latest BTO sale just took place about 2 weeks ago. Yet, there are certain implications that can be drawn from this sale and how it may affect the future. In this half of the episode, we discussed the prices of Tengah and Bukit Batok units, how the Community Care Apartments (CCAs) may be a game-changer in the property industry, and Kyler's simping for Tengah.
February 22, 2021
Episode 1: Mastering Mortgage
Mortgage Mortgage Mortgage.  Contrary to popular belief, saying that 3 times in the mirror does not decrease your mortgage loan.  But what does mortgage really mean? Are mortgage brokers loansharks? Mortgage in Monopoly is bad, but Mortgage in Singapore ... is ... good?? Find out more in this premiere episode of Hows 2 House.
February 22, 2021
Episode 0: Trailer
You know those food stalls that hand out samples? This is basically it, but in audio form. This short trailer is to let you know who we are, what you can expect from this series, and it's more or less a chance for you to judge us. If you're interested in anything housing, THIS. IS. THE. PODCAST. FOR. YOU.
February 22, 2021