Helping families upgrade their homes — without the mortgage stress.

"We both earn well — but I kept thinking: what if one of us is out of work after we’ve signed?"

A young family had been in their BTO six years, with a three-year-old. They wanted a condo with a pool she could use. On two salaries the repayment was fine — but the what-if would not leave them. Before we saw a single unit, I worked out the repayment on one income, against their sale proceeds, CPF and cash, and set the budget at a number that still held if a paycheck stopped. Because they had somewhere to move to after selling, we waited for the right place instead of rushing.

Their 4-room sold for over $1 million — above what they expected. In 2024 they moved into a resale 3-bedroom in Sengkang: wide-frontage living hall, big master, the pool below for their girl.

"If we sell first, where do we live while we wait? Renting would eat the renovation budget."

The Tans needed a bigger flat for their two growing kids, each old enough to want their own room. Selling first felt safest — but it seemed to mean months of rent while they hunted, money that was meant for the renovation. I ran the selling and the buying together, and timed the two so the extension of stay covered the gap: they stayed on in their old flat while the new one was renovated, then moved straight across.

Four months from start to finish — renovated, and moved in. No rental in between.

"We tried selling it ourselves — one viewing in two months."

Before they came to me, the Tans listed their flat themselves on the HDB portal. After two months they had a single viewing — and the larger flats they wanted kept getting sold to other buyers while they waited. After three wasted months, they asked me to take over. I ran the selling and the buying together, and sold their flat in two weeks, at the price they wanted.

Two weeks to sold — after three months stuck on their own.