What's covered on this page
- Sell and Buy Together Without Two Mortgages
- Right-Sizing and Selling for Changing Household Needs
- Buying Your Next Home for Owner-Occupation
- Free Move Plan for Mapping Your Next Move
- New Launch and Investment Properties
- Rental Property Services for Landlords and Tenants
- Shophouse Sales and Purchase for Conservation Properties
Sell and Buy Together Without Two Mortgages
This service lines up your sale and your purchase so you move house once, not twice. I map out CPF proceeds, loan sequencing, and ABSD timing between both deals before either one starts.
The hard part isn't the selling, and buying isn't hard on its own either. It's the order of things. Sell too early and you're paying rent while you hunt for a new place. Buy too early and you might be holding two mortgages, or worse, needing bridging finance. I look at your numbers first, CPF proceeds, outstanding loan, timeline, before we touch a listing or a viewing.
- CPF proceeds: how much comes back to you after the sale
- Loan sequencing: so your next purchase loan doesn't clash with your current one
- ABSD timing rules: these affect when you can buy relative to your sale
Right-Sizing and Selling for Changing Household Needs
Right-sizing means your flat doesn't work for your household anymore. This is different from a sell-and-buy, because you don't need a purchase lined up before we start the selling process.
Maybe the kids moved out and that four-room flat feels too big, or your family grew and a three-room flat is now too small. You might sell now and rent for a bit, or move in with family while you look around. People tend to wait for the "perfect" time, but honestly, most folks just need to check what their flat is worth against their options.
- Getting your flat ready to list, including basic prep and viewings
- Pricing it against recent transactions in your block or estate
- Marketing the listing to reach serious buyers, not just browsers
- Handling offers and paperwork through to completion
Buying Your Next Home for Owner-Occupation
For when you're only buying and you'll live in it yourself, not rent it out. There's no sale to juggle at the same time, so this covers the search, the viewings, and the offer itself.
I help you shortlist flats or units that fit your budget and your must-haves, arrange viewings, and figure out what a fair offer looks like before you submit one. Most people underestimate the paperwork stage. Option to purchase, financing approval, legal steps, it all needs someone watching the timeline closely.
- Shortlisting resale flats or private units against your budget
- Arranging and attending viewings with you
- Working through offer numbers and negotiation
- Handling the paperwork through to completion
Free Move Plan for Mapping Your Next Move
Before any listing goes up or viewing gets booked, we map out three things: your CPF and loan numbers, your rough timeline, and what your flat could realistically sell for. No commitment needed at this stage.
This is the part most people skip, and it's the part that saves the most stress later. A good plan answers questions like whether you sell first or buy first, how much bridging you might need, and where ABSD timing fits into the picture. If your numbers don't work yet, we'll tell you, better to know before you sign anything.
- A clear look at your CPF proceeds and outstanding loan
- A realistic timeline for selling and buying
- An honest read on what your flat could fetch
- A plan you can act on later, with no pressure to list right away
New Launch and Investment Properties for Yield and Growth
New launch and investment properties are about what a unit can earn or grow into, not what it feels like to live there. This covers the developer purchase itself, which runs on its own paperwork and timeline compared to a resale deal.
It also means picking a unit with rental demand or resale value in mind, and thinking about how long you plan to hold it. People often rush this step, picking a unit before they've worked out what it needs to do for them financially.
- Understanding developer sale timelines and progressive payment schedules
- Picking a unit and stack based on rental demand or future resale appeal
- Weighing holding period against your own financial plans
- Working through paperwork specific to new launch purchases
Rental Property Services for Landlords and Tenants
Rental property services cover landlords needing a tenant and tenants needing a place, anywhere in Singapore. This moves faster than selling or buying, but the matching still has to be spot on.
For landlords, I help get a tenant, set up viewings, and go through the lease terms before you sign. For tenants, I help narrow down units that fit your budget and timeline, then handle the talking with the landlord's side. One thing worth being upfront about: this does not include managing the property after the lease starts, that's a separate service.
- Sourcing tenants for HDB flats or condos
- Matching tenants to available units based on budget and move-in date
- Coordinating viewings between both parties
- Negotiating lease terms before signing
Shophouse Sales and Purchase for Conservation Properties
A shophouse deal moves differently from a resale flat. Most shophouses in Singapore carry conservation status from URA, which changes how you use the unit and how banks look at the loan.
Financing usually runs on commercial terms, not the residential rules you'd use for an HDB flat or condo, and that changes the timeline, the paperwork, and sometimes who can qualify to buy. On my side, I handle listing or sourcing the shophouse, coordinate viewings, and manage the offer and negotiation. The deeper compliance work, confirming exact conservation restrictions, structuring commercial financing, sits with specialists once we're past the agency stage.
Read the full guide on shophouse sales and purchase →