Cashew Academy

Master Mortgage Advisory with Confidence

The Mortgage Advisory Competency Programme equips you with the expertise to advise clients on residential and commercial mortgages in Singapore — from regulatory frameworks to client-ready recommendations.

View Upcoming Sessions See Curriculum

3-Hour

Intensive session

120+ pages

Advisory handbook

Curriculum

What You'll Learn

A structured programme covering every dimension of mortgage advisory in Singapore — designed to make you competent and client-ready.

Property Market & Law

Singapore's property segments (HDB, EC, private, landed, commercial), tenure types, freehold vs leasehold, co-ownership structures, and the Torrens system.

Government Policy & Stamp Duties

Cooling measures, ABSD tiers (including the 60% foreign buyer rate), BSD calculation, remission scenarios, and SSD rules.

Lending Rules: TDSR, MSR & LTV

The 55% TDSR threshold, 30% MSR cap, 4% medium-term interest rate floor, income haircuts, LTV tiers, and exemptions.

Mortgage Products & Mathematics

Fixed vs floating (SORA-based) rates, hybrid products, payment structures, amortisation, effective interest rate calculations, and break-even analysis.

CPF, HDB & Credit Assessment

CPF-OA withdrawal limits, accrued interest, HFE letters, HDB grants, CBS credit reports, and credit improvement strategies.

Advisory Workflow & Client Skills

End-to-end consultant workflow, loan sourcing and comparison methodology, structured client communication, objection handling, and professional conduct.

Who It's For

Designed for Professionals Who Advise on Property

Whether you're an experienced professional or just starting out, this programme gives you the mortgage expertise your clients expect.

Property Agents

Deepen your value proposition by guiding clients through financing — not just property selection. Understand TDSR, LTV, and CPF rules to advise with authority.

Financial Advisors

Extend your practice into mortgage advisory. Help clients make informed property financing decisions that align with their broader financial plan.

Insurance Agents

Understand the mortgage landscape your clients navigate. Speak credibly about property financing and identify protection gaps tied to home loans.

Aspiring Advisors

Starting from scratch? This programme and its comprehensive handbook give you the foundation to launch a mortgage advisory career in Singapore.

Cashew Academy

Mortgage Advisory Handbook

Competency Programme

2026 Edition — Singapore

Handbook

The Mortgage Advisory Handbook

Every participant receives a comprehensive handbook covering the full scope of mortgage advisory in Singapore. It's your reference guide from Day 1 through your entire advisory career.

01Singapore Property Market

02Property Law Essentials

03Government Policy & Cooling Measures

04Stamp Duties

05Lending Rules (TDSR, MSR & LTV)

06Mortgage Fundamentals

07Interest Rates & Loan Products

08Mortgage Mathematics

09CPF & Property

10HDB Housing & Financing

… + 6 more chapters, glossary & appendices

The handbook is provided exclusively to programme participants and is not available for separate download.

Upcoming Sessions

Register for a Session

3-hour programme and a comprehensive handbook included with every registration.

Thursday, 16 April 2026

2:00 PM — 5:00 PM

Live via Zoom

3-hour intensive programme

Mortgage Advisory Handbook included

Certificate of completion

$199$299Save $100

Thursday, 30 April 2026

2:00 PM — 5:00 PM

Live via Zoom

3-hour intensive programme

Mortgage Advisory Handbook included

Certificate of completion

$199$299Save $100

Friday, 15 May 2026

2:00 PM — 5:00 PM

Live via Zoom

3-hour intensive programme

Mortgage Advisory Handbook included

Certificate of completion

$299

What Participants Say

Trusted by Property Professionals

Hear from professionals who have completed the programme and are applying what they learned in their practice.

"I've been in real estate for 8 years and this is the first time someone explained TDSR, ABSD and CPF rules in a way that actually makes sense for client conversations."

Wei Lin T.

Senior Property Agent

"The handbook alone is worth the investment. It's become my go-to reference before every client meeting. Clear, structured, and specific to Singapore."

Rahul M.

Financial Advisor

"I entered the session knowing nothing about mortgages. I left with actual confidence — I could walk a client through a loan comparison the very next week."

Sarah K.

Career Switcher

FAQ

Common Questions

Everything you need to know about the programme, handbook, and registration process.

No. The programme is designed to be accessible to beginners while still providing depth for experienced professionals. The handbook starts from first principles and builds up to advanced advisory scenarios.

You receive a Certificate of Completion for the Mortgage Advisory Competency Programme from Cashew Academy upon finishing the session.

Yes. The programme covers both residential and commercial mortgages, including the distinct lending rules, LTV frameworks, and interest rate floors that apply to each.

The Mortgage Advisory Handbook is provided exclusively to programme participants. It is not available for separate purchase or download.

Full refunds are available up to 7 days before the session date. After that, you may transfer your registration to a future session at no charge.

Sessions are conducted live via Zoom. A Zoom link will be shared with registered participants via email before the session.