As interest rates tumble to three-year lows, Singapore’s homeowners are racing to refinance their HDB loans.

Could now be the smartest time to switch from HDB’s 2.6% rate to a bank loan?

Or are there hidden risks that could derail your savings goals?

From lock-in penalties to cash rebates and the one-way nature of HDB refinancing, learn what every borrower needs to check before signing.

Then, turn your attention to retirement - how much insurance coverage do you really need to protect your future without overpaying?

Hosted by Michelle Martin with guest Daniel Sim, Founder of Golden Goose Properties.  

As interest rates tumble to three-year lows, Singapore&rsquo;s homeowners are racing to refinance their HDB loans.
Could now be the smartest time to switch from HDB&rsquo;s 2.6% rate to a bank loan?
Or are there hidden risks that could derail your savings goals?
From lock-in penalties to cash rebates and the one-way nature of HDB refinancing, learn what every borrower needs to check before signing.
Then, turn your attention to retirement - how much insurance coverage do you really&nbsp;need to protect your future without overpaying?
Hosted by Michelle Martin with guest Daniel Sim, Founder of Golden Goose Properties.&nbsp;&nbsp;

Start your day on a positive note with Live Well with Michelle Martin.

Start your day on a positive note with Live Well with Michelle Martin.

The show explores wellbeing in all its dimensions — from self-awareness and personal growth to money, investing, and everyday lifestyle. Through thoughtful interviews and engaging conversations, Michelle speaks with experts and changemakers on living and ageing well, while helping you discover new ideas — from great books on READ and inspiring voices on INFLUENCE, to practical financial insights on MONEY AND ME.

In a fast-moving world that can often feel overwhelming, Live Well offers a refreshing counterpoint — with insights, ideas and stories that help you feel informed, empowered and ready to take on the day.

Start your day on a positive note with Live Well with Michelle Martin.
The show explores wellbeing in all its dimensions &mdash; from self-awareness and personal growth to money, investing, and everyday lifestyle. Through thoughtful interviews and engaging conversations, Michelle speaks with experts and changemakers on living and ageing well, while helping you discover new ideas &mdash; from great books on READ and inspiring voices on INFLUENCE, to practical financial insights on MONEY AND ME.
In a fast-moving world that can often feel overwhelming, Live Well offers a refreshing counterpoint &mdash; with insights, ideas and stories that help you feel informed, empowered and ready to take on the day.