Buy
A shortlist of two to four units, matched to your budget, your MRT line, your school catchment, and the rental yield you actually need. Negotiation grounded in URA transaction data, not brochures. No quota to fill; no pressure to commit before the maths is ready.
How I shortlist
Most buyers shortlist on the photo. We shortlist on the maths. The photo is the last filter, not the first.
01
Filter one
Loan ceiling at the bank rate, CPF position, stamp duty, cash buffer for the first six months. We cut everything above that line before we look at neighbourhoods.
02
Filter two
MRT line, school catchment, expected rental yield, layout for your household, exit options in five and ten years. We narrow to a list of ~12 units.
03
Filter three
URA caveats from the last 12 months, days on market, owner-versus-investor stack, asking-to-transacted ratio. We narrow to two to four units worth viewing.
Tools that help
Working calculators, not lead-capture forms. Use them privately; bring the numbers to a conversation when you're ready.
Coming soon
Total Debt Servicing Ratio and Mortgage Servicing Ratio at current bank rates, with stress-test toggles. Shows your loan ceiling honestly.
Available Q3 2026
Coming soon
BSD + ABSD + foreign-buyer add-ons. The decoupling toggle shows the saving if you go that route.
Available Q3 2026
Coming soon
HDB resale minus CPF clawback minus payable, plus the cash needed to bridge. The number that surprises every seller.
Available Q3 2026
Selling at the same time?
Buying a private property while still holding an HDB is a different conversation. The order of operations matters. ABSD-avoidance sequencing matters. The cash gap matters. The whole move belongs on one page.
See the upgraders pageA 30-minute conversation
Bring your current home, your target neighbourhood, and rough numbers. Leave with a yes, a no, or a wait — and the reason behind it.
Begin a conversation