Hello ladies,
Agree Holland V veeery overated. Holland V itself is just an old shopping centre. The whole area is a bit overpriced and has a very suburban feel. No MRT (yet) and unless you are on a main road (which you would not want) then without car, you can't get by.
East coast has some really lovely pockets of condos and landed alike and is now full of expats. I would say even for Singaporenans, it is now an established gentrified area. so don't discount it. It is however getting more expensive, and on an almost even keel to downtown for the best condos.
Sizxie, another big vote from me for Yo Chu Kang. I always redirect my french/Australian clients there because of the proximity to schools. Much nicer than serangoon garden way. Better houses and beautiful green surroundings.
MRT is very user friendly but you would definitely be restricting your choices by wanting to be walking distance to an MRT. Buses are more convenient and taxis cheap.
Personally I think cluster housing is a scam. Major privacy issues and the newer ones are ridiculously small. If you are prepared to pay that kind of money, get yourself an inter-terraced house or a bigger flat in a condo if you want the full facilities.
Condos are definitely the way to go for newcommers unless you have a big family with an established routine.
You'd really be isolated on your own with a baby.
There are some lovely low rise condos. And it's up to you. If you seek company you'll find it, if not you'll be left in peace.
Lyrie, depending on your budget and the sort of size you are after, I would suggest east coast around Fort/Amber/meyer road and up to Katong.
Following Expectant's recommandation, River valley road would be an obvious (and very good) choice, That is roughly from Robertson key to Alexandra road and all the way up to grange road/Tanglin mall.
Lots of little pockets around Orchard Road (paterson or killiney or cairnhill down towards scotts). Usually in the higher price bracket.
Pasir panjang road is up and coming but may feel out of the way for a newcommer. MRT on the doorstep though in 2010 and a stone's throw from sentosa.