I love messages like this...

Arigato, dear investor,

Last night during the From Mortgage to Money Machine workshop…
it was honestly such an amazing feeling receiving your messages as I was sharing.

Many of you found the workshop really useful and some of you even told me that before the workshop, you always thought HDB loans were the better choice because of the stability.

And I completely understand that — I used to think the same way too.

But when we went through the 20 years of mortgage data together…

and you saw that 77% of the time, bank loan rates were actually lower than the HDB loan (fixed at 2.6% per year)

that’s when things started to shift.

Because when you look at it over a longer period of time…

if you had simply repriced your mortgage every 2–3 years using bank loans,

you could have potentially unlocked six figures worth of interest savings over the decades.

That’s where the idea of saving $170K or more really becomes real.

If you missed the workshop, don’t worry 🙂

I’ve prepared the replay for you.

Inside, I break down everything step by step — the pros and cons of HDB vs bank loans, and more importantly, when each option actually makes the most sense for you.

Personally, ever since I came across Cashew… I was genuinely amazed.

It’s so user-friendly, convenient, and transparent.

Instead of trying to figure things out across multiple banks, it literally allows you to compare all the available rates in one place — and see the best options clearly.

Right now, some of the rates are actually very attractive.

The best 2-year fixed rate is as low as 1.3%, which is significantly lower than the typical 2.6% HDB rate.

And that’s honestly why I’m personally feeling really motivated to refinance my own property too.

If you’re an HDB owner, there are even options to fix a 5-year rate at around 1.88%.

And when you run the numbers…

for a $500K loan, that alone can help you save at least $10K over the next 5 years.

During the workshop, I also walked through step by step how to use Cashew to choose the best refinancing plan.

So if you’re watching the replay, make sure to stay till the end — that’s where everything comes together.

What I also like is that beyond refinancing, you can use Cashew to apply for new loans at competitive rates too.

It really saves you from the usual hassle of going from bank to bank, or spending hours just to speak to a mortgage advisor.

Everything can be done in less than 5 minutes…

and after that, their mortgage advisor will still reach out to help customise the plan for you.

And the best part?

It’s completely free. 💛

You don’t have to pay a single cent for the convenience — and in fact, you could end up unlocking even more savings.

Cashew is paid by the banks’ commissions (which wouldn’t have gone to you anyway), and only after you’ve chosen a loan that works for you.

If you’ve not looked into your mortgage in a while…

this might be one of those small areas that can quietly unlock a lot more cash flow for you.

You can check it out here:
rebrand.ly/arigatocashew 

Arigato!

Chloe
Arigato Investor

Just a quick heads-up 🌸 Except for Instagram, where I may reply if you comment on my posts, I’ll never initiate a private message to you on any platform. So if you ever get a DM from someone claiming to be “Chloe” or “The Arigato Investor” on Telegram or TikTok — please know that’s not me. It’s a scammer impersonating my account. Stay safe and always double-check 💛

The information provided in this newsletter is for informational purposes only and does not constitute financial advice. Readers should seek their own independent financial advice before making any investment decisions. Please note that the opinions expressed in this newsletter are Chloe's own and do not represent the views of any organization. Always perform your own research and due diligence before investing. 💛