What our participants say

The situation

Zaharah had been considering a second property for three years — a unit near USM that a colleague had mentioned. She had not acted because she was uncertain about her remaining loan eligibility after her current home mortgage, and was unclear about what RPGT would mean if she needed to sell within a few years.

What she worked through

In the Foundations course, she calculated her actual BNM-eligible borrowing margin and discovered she could service a second loan — though at a lower amount than she had assumed. The Investment Fundamentals course helped her model rental yield for the specific area and understand her RPGT position if she sold within five years.

The outcome

She proceeded with a different unit from the one she had originally considered — at a lower price point that matched her modelled loan capacity. The RPGT analysis led her to plan a holding period of at least six years before any sale consideration. She describes the decision as the first major financial step she has taken with a clear written basis.

The situation

As business owners, the couple had irregular income patterns and two properties already in their names. They wanted to understand whether a third purchase was sensible, and how it would interact with their business income, EPF contributions, and estate planning wishes. They had received conflicting advice from different agents.

What they worked through

The Strategy Programme's tax-aware review clarified the RPGT implications for both existing properties and assessed how a third loan would affect their borrowing capacity. The valuer session provided a current market position on their held properties that neither had formally sought before.

The outcome

They decided against a third purchase at this stage. The strategy binder documented the conditions under which a third property would make sense for their household — giving them a clear framework to revisit in two to three years. They described this as the most useful financial document they had produced together.

The situation

Hui Ying had been attending developer road shows at weekends, trying to learn by exposure. She felt perpetually behind in conversations — agents used terms she did not fully understand and she was reluctant to ask. She enrolled in the Foundations course specifically to close that gap before making any commitment.

What she worked through

The leasehold versus freehold session clarified a distinction she had been partially misunderstanding. The MOT and stamp duty module gave her a full picture of upfront costs she had underestimated. By week three she was bringing specific properties from road shows to the session and working through them against the affordability framework.

The outcome

She attended two more developer road shows after completing the course and described the experience as entirely different — she could ask specific questions, interpret the answers, and leave without feeling pressured. She has not yet purchased. She said she no longer feels in a hurry to decide.