When rates diverge, the real risk isn’t missing the bottom - it’s what you do once you’re there.

Singapore’s interest rates are nearing a projected floor, while the UK remains stubbornly higher - setting up a rare refinancing crossroads for homeowners.

Michelle Martin speaks with Daniel Sim, Founder of Golden Goose Properties, about whether this is the moment to lock in cash-flow relief or risk overleveraging,refinancing timelines and borrower psychology.

From Singapore’s TDSR to the UK’s stress tests, we explore how safeguards work - and where blind spots still exist.

Ultimately, it’s about keeping leverage as a disciplined wealth tool, not a silent strain - hosted by Michelle Martin.