Hey! I'd love to hear your thoughts, send me a voice note.

For most Singaporeans, landed is the end goal: HDB, then condo, then eventually landed. But once you've lived in landed for years, should you hold it forever? Or is there a point where selling and moving back into a condo is the right move for your family? In this solo episode, Harvey tackles the question landed agents rarely raise: when does it actually make sense to leave landed?

He starts with space. The kids have moved out, some overseas for good, and many owners find themselves using maybe half the house while still paying for the maintenance, repairs, gardening and housekeeping on all of it. The house hasn't changed, but your life may have. Then there's the wealth trapped inside it. Instead of asking how much your home has appreciated, ask how much capital you'd actually unlock if you sold today, and what that capital could do: fund a replacement condo or even an HDB, build passive income for retirement, help your children with education, a first property or a business, or simply give you more liquidity to enjoy what you've worked so hard for.

The third point is about the next ten years of your life, not which asset appreciates more. Do you still want to climb stairs, maintain a garden, act as your own one-man security team and drive everywhere? Or would single-level living, condo facilities, lock-and-go convenience and being closer to transport serve you better? Fourth is timing. If you do intend to exit, plan it on your own terms, not when you're forced to. Look at the home's condition, its redevelopment potential, buyer demand and what replacement properties cost. And don't price off what your neighbour sold for, because land shape, frontage, orientation and redevelopment potential can make two houses on the same street worth very different amounts.

Harvey closes on the fear that keeps many owners holding: land is scarce, and once you exit landed, getting back in may be hard. His view is that landed shouldn't be an emotional badge you can never give up. The question isn't whether landed is better than a condo. It's whether your landed home still serves the life you're living today.

This isn't a podcast of knowledge. It's a podcast of deal-making.

The views and opinions expressed in this episode are for general informational purposes only and do not constitute financial, investment, or property advice. Always conduct your own due diligence and consult a licensed professional before making any property decision.

Brought to you under SRI Pte Ltd (Agency Registration Number: L3010738A).

Hey! I'd love to hear your thoughts, send me a voice note.

$2,500 per square foot for a new launch. $1,700 per square foot for a resale condo nearby. That's an $800 PSF gap. So what exactly are you getting for the extra $800?

The Resale Room is back, now hosted solo by Harvey Chia. In this episode, Harvey asks whether Singapore buyers are overlooking value that's already sitting in the resale market.

He starts with the case for new launch: a brand new product with modern design and facilities, a progressive payment structure that spreads payments across the build, a fresh lease with a longer runway, and the emotional pull of walking into a show flat. Then he flips it. Resale can give you substantially more space for the same budget, an established location, and a unit you can physically inspect, with the views, sun direction, road noise, neighbours and transaction history all out in the open. For investors, it also means immediate occupation, or a tenant helping to pay down the mortgage sooner.

Harvey also takes on the "isn't a new launch safer?" argument, explains why the cheaper number isn't automatically the better value, and shows how newer resale projects can out-compete older ones in the same sub-market. Then he walks through the checklist he runs on himself before paying a new launch premium: superior location, master plan transformation, product strength against competing supply, scarcity, future demand, exit audience, and a clear catalyst.

The throughline: don't tell me it's worth $2,500 PSF just because it's new. Tell me why the next buyer will pay more than that. Price is what you pay. Value is what you get.

This isn't a podcast of knowledge. It's a podcast of deal-making.

Disclaimer: The views and opinions expressed in this podcast are those of the hosts and guests. The discussion is intended for informational and entertainment purposes only. While the insights shared are based on personal perspectives and experiences, they should not be taken as professional or financial advice.

A team from SRI Pte Ltd

Agency Registration Number: L3010738A

Hey! I'd love to hear your thoughts, send me a voice note.

"I have money, I should buy another property." But when should a successful family actually stop? In this solo episode, Harvey, drawing on close to 19 years in property and a background in wealth management and banking, asks the question most agents won't: what is another property really going to do for you?

He starts with concentration. If you already own a landed home, an investment condo, and a rental, does property number four make sense, or should that cash stay somewhere you can access easily? Owning a lot doesn't mean you have a lot of usable cash. The second question is whether another property makes you financially tight, constantly watching interest rates, leaning on rental income, and facing renovation capex as the asset ages. Drawing on a recent symposium on retirement and loss of income, Harvey reframes it: does your property own you, or do you own the property?

The third point is for families already financially secure, where the current home is largely paid off and retirement and children's education are handled. At that juncture, is another property about the family, or about ego and a bigger balance sheet? Fourth is concentration risk: two people worth $10 million are in very different positions if one holds $8 million in property and the other holds a balanced mix. Fifth, past performance doesn't equal future results, especially as taxes, interest rates, and your own life stage change.

Harvey closes on the shift from building wealth to preserving it, and the one question worth sitting with before your next move.

This isn't a podcast of knowledge. It's a podcast of deal-making.

The views and opinions expressed in this episode are for general informational purposes only and do not constitute financial, investment, or property advice. Always conduct your own due diligence and consult a licensed professional before making any property decision.

Brought to you under SRI Pte Ltd (Agency Registration Number: L3010738A).