Like most newly married Singaporean couples, Jahnson and his wife were excited to move away from their parent’s nest and create a new home together. They had their sights set on a cosy HDB resale flat located within close proximity to an MRT station, eateries, and shopping malls. As a first-time homebuyer, Jahnson initially considered doing his own research to learn about mortgage packages in Singapore. “At first I thought of reading about home loans myself, then with all the property jargon and different rates offered by various banks, I felt clueless and I realised it would take a lot of time for me to do all the research,” Jahnson said. Since he was busy with work and didn’t have enough time to compare home loans, Jahnson turned to a friend who was more familiar with property investments in Singapore. “My friend, who’s a seasoned property investor, introduced me to