I am currently 1 year into my first job and planning to propose by next year and get married in 2-3 years time. However, our BTO application have not been successful. What should I do?

Theres a chinese saying no matter how much you plan, the plan cant keep up with the changes. I myself got married this year and i believe i can speak the voices of the many couples who planned to get married this year as well, everyone had to throw their plans out of the window when covid-19 and the ensuing cirbuit breaker began for an uncertain period of time. who knew how many more weeks would CB be extended? Have a timeline but be flexible because at the end i believe your relationship should grow stronger from experiencing the obstacles life throws at you two together. Enjoy the journey!

Go towards an SBF route. If you give up applying for BTO, getting a resale might be better as you will avoid needing to pay rent while you wait for your BTO. Save time through resale, save money through BTO.

If you need a guideline for a home budget calculator, you can use one here:

https://www.aaronleow.com/max-cpf-home-loan