Helping families upgrade their homes — without the mortgage stress.

Mr Tan and his wife had been living in their BTO flat for six years. It was their first home, and like a lot of couples, they had started thinking about upgrading to a condo to achieve their dreams.

For their 3 year old daughter, they wanted a home where she could have her birthday party downstairs instead of booking a place, and where a swim on a Saturday did not mean driving anywhere.

However, one thing was holding them back. A condo meant a higher mortgage, and they were afraid they would not be able to afford it if one of them lost their job.

This is one of the most common fears I hear from upgraders, and it is usually one of the easiest to settle. You just need someone to sit down and go through the numbers with you.

That is what I did for the Tan family. We counted the sale proceeds, their CPF and the cash in their bank. We found that the sale of their HDB alone would cover three years of the new condo mortgage, and that they would not have to touch their savings at all if either of them lost their job.

For a first time upgrader, a bigger mortgage looks frightening at first. However, after working out the financial numbers, it usually turns into something you can manage.

I was able to sell their HDB above what they expected. They bought a 3 bedroom condo resale in Sengkang and got exactly what they wanted. A wide frontage living hall, a big master bedroom, and a better life for their daughter.

If you are concerned about mortgage affordability and it is holding you back from your dream home, click below NOW to arrange a consult and I will do my best to serve you!

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Mr Lee and his family had been in their 4 room HDB in Yishun for years. It had served them well, but the family had outgrown it, and he was spending a lot of time travelling to work every day.

They wanted to move into a 5 room HDB in Sengkang that was bigger and nearer to his workplace.

The extra room would give them more comfort, and moving closer to his workplace meant he could spend more quality time with his family.

However, one thing was holding them back. They had nowhere else to stay after selling their 4 room HDB, and they were afraid they would not find the right unit in time and would be left without a home.

This is a common challenge for upgraders who have to sell and buy at the same time. It almost feels like you have to leave it to luck. Fortunately, it can be solved by planning the buying and selling sequence in advance.

Before selling their 4 room HDB, I sat down with them and went through their finances. Their CPF balance was strong enough to take a second HDB loan, which meant they could buy first and sell later, instead of the other way round.

Most upgraders assume they have to sell first, then rush to buy their next home under pressure. If you allow me to work with you, there is often an order that lets you buy first, so you never have to move twice or rent in between.

I negotiated the 5 room in Sengkang and secured it at a good price. Once that was done, I sold their Yishun flat at the price they wanted, and arranged an extension of stay with the buyer that covered the renovation and the move. They went from their old home straight into the new one, without a night anywhere else.

Upgrading is never just buying and selling. Your HFE, your loan approval and your completion dates all have to line up, and getting one date wrong can cost you the home. If you are worried about getting the sequence wrong, click below NOW to arrange a consult and I will do my best to serve you!

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My clients had lived in their executive maisonette in Yishun for more than 20 years.

They had collected the keys to a new 3 room BTO flat, closer to their children, and were ready to retire into something smaller and easier to manage.

However, they were worried that the current flat could not sell because it looked old and an incoming buyer would definitely need to do a major renovation.

This made them afraid that buyers would lowball them.

This is one of the most common worries I hear from sellers whose home has not been refurbished for years, and who sit on a flat they think is too dated to sell well.

The good news is that you almost never have to renovate to sell!

Instead of wasting money on renovation, which is better used for retirement, I advised them how to tidy the flat room by room such that it was presentable enough to sell.

Eventually, we sold the unit in 3 months, at the price they wanted, without wasting a single cent on renovation.

It was also their first time selling a flat, so they did not know the timeline or the paperwork, and I walked them through all of it from start to finish.

Selling an older home is not about spending money to fix it. It is about pricing it correctly, presenting it properly, and knowing the paperwork and timelines that come with it.

If you are worried your home cannot be sold for whatever reason, click below NOW to arrange a consult and I will do my best to serve you!

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