03/18/2026
1️⃣ The $1.5M Insured Threshold: You no longer need a 20% down payment to enter the E01 freehold market. The cap has been raised, lowering the barrier to entry.
2️⃣ The 30-Year Stretch: Amortization rules have expanded allowing you to put less than 20% down and spread payments over 30 years instead of 25.
3️⃣ Freehold Correction: compared to 2022 freeholds have no corrected making the barrier to entry with in reach.
4️⃣ Condo Equity is Peaking: Condo marketed project downwards it is likely Your E01 condo is at its peak for the forseable future.
5️⃣ The Maintenance Fee Flip: Stop paying $800/mo into a condo reserve fund. That same amount covers ~$125k in additional mortgage principal on a house.
6️⃣ Secondary Suite Refinancing: New 2026 rules allow you to refinance up to 90% of your home’s value to build a basement or garden suite. Let a tenant pay your mortgage.
7️⃣ E01 Enclave Safety: In E01 you aren’t just buying a house; you’re buying 3 daycares in walking distance, Phin Park for the weekends, and currently an appreciating asset at 3% yoy.
Ready to trade the glass tower for a front porch? 🕊️
