Case Studies

All the case studies below are our clients whom we served recently. They come from various backgrounds and financial resources.

But what they have in common – a desire to improve their existing property portfolio to suit their current and future financial needs.

Sold their 5 room HDB and upgraded into 2 Private Condo

Lovely family of 4 with 2 young pre-schoolers. They have immediate needs to stay within 1km to their choice primary school for primary school enrollment next year. They have tried selling their 5 room HDB for about a year before meeting us. After understanding their needs and requirements, we provided them with the various property options and scenarios. We sold their property within the first week, higher than expected selling price. Riding on a clear property plan, the couple upgraded to 2 private properties; a 3 bedroom condo near the school and a 3 bedder condo in RCR for investment within the same month.

HDB sold within 1st day of viewing sold at a higher than expected price despite 5 pax covid visitors limit
Upgraded to 2 properties with installment of holding 2 different properties turn out to be lower than just buying only 1 property
Stress free Property Upgrade

Punggol to Brand New RCR 5 Bedroom Condo

The couple have been staying the property for almost 10 years. We did analysis for them on Singapore property market right after the implementation of the latest cooling measure. They decided to take action after careful study of the asset planning options we done for them. We sold the property within the same weekend with just 1 viewing at record high profit for the couple. Riding on their significant savings from the sales proceeds, they upgraded to a 5 bedder Condo in RCR using our 3 Step CPD approach.

Sold within 1 viewing with record high price and higher than expected
Successful upgrade to brand new 5 bedder RCR condo with monthly installment same as owning a 3 bedder condo
Renting at RCR, Kent Ridge Area, for the next 3 years and all 3 years rental is paid for even if the new condo is to sold at breakeven price.

First timer Buying EC

Like all young couples, they are confused about the options they have; whether to buy a HDB, EC or Condo. Property is considerably a huge commitment involving cash, CPF savings and loans. It needs prudent planning for their first purchase. We walked the various market outlook and trends, using our 3 step CDP approach and carefully analysis their portfolio base on their needs. Very quickly, they decided on a brand new EC where the couple can enjoy the space for their new and expanding family in the next 5-10 years. Most importantly was they understood how to use take care of the monthly installments without touching their take-home pay.

2 years to TOP to move in
3 bedder EC (only paid 5% cash which is cheaper than the renovation & COV needed from resale HDB) balance is from CPF
Close to their family and next to MRT and amenities

Punggol EC to CCR Condo

Young couple whose EC just MOP. They are very comfortable with the space they have but are excited to relook into the property market when they saw many neighbors are selling their properties. We run through the market analysis, portfolio studies, and stress test with them. They decided to sell their newly MOP EC. Riding on the significant profits, the couple upgraded to a brand new property in D10 a 3 bedroom condo for own stay / investment as it is near MRT and 1km within top notch primary school in Singapore. It is a freehold property, so the couple has no issue be it for investment to flip within the next few years or to keep it for own stay in a long run.

EC Sold within 1st week of marketing
Save on $100k reno & ABSD
Successful upgrade without additional cash top up
Upgrade to a D10, Bukit Timah, Freehold property
Next to MRT & School Schools

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Stress Free Upgrade without touching savings.

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Free market valuation of property
Personal risk analysis, Property loan and Financial analysis against property market trend and movement

BTO 4 ROOM TO CONDO

Malay family of 3 who are very down to earth and hardworking. They have considered to upgrade for about 2 years and cannot decide and was'nt sure can they afford to buy a condo or change to 5 Room HDB. We listen to their needs and understand their financial position before we presented the property proposal to them. They are comfortable with the upgrading proposal and decided to sell their first matrimonial house. We manage to sell the property within 2 months despite ethic quota restrictions & visitor limit due to Covid measures.

Using the sales proceeds, they bought a new launch and balance for 4 years to be mortgage stress free with reserve from CPF.

Now they look forward to the new place where they can see their daughter growing up in and to college life.

Sold within 2 months despite Ethnic Quota
Save on $60k reno
4 years mortgage payment free from sales return
Successful upgrade without additional cash top up

Bachelor owns a brand new condo in Sengkang

Despite covid-19 situation, new job changes and financial concerns, our young bachelor in his early 30s secured a brand new condo in Sengkang. We walked him through the property market using our exclusive 3 step systematic CPD approach for whole property selection journey. He look forward to the convenience of his new condo which is right above the MRT, being a 7- integrated project in Singapore

Paper gain of over $20k upon signing, another gain upon price hike next month.

Reserve fund from CPF is mortgage stress- free for the next 5-8 years even if change of job
Convenience of Integrated project above MRT
Perfect choice to move in with Elderly parents with ample amenities

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Upgraded from a 5-room BTO to brand new Bishan condo

This is young family with 2 young kids. They made the decision to sell their 5-room HDB flat immediately after the Minimum Occupation Period. They bought a brand new 2-room condo for investment/ own-stay. Their monthly installments are well taken care of – this couple does not have to worry about it for more than 10 years.

Sold within a week during covid-19 period
Increased their savings
Save about $195k in additional stamp duty
Save on $80k reno and 10 years mortgage stress-free
Without additional cash top up
Next to MRT and good schools

Sold their Canberra EC and upgraded into a freehold District 10 condo

This young couple is in their early 30s. Family of 4. They decided to sell their EC immediately after their 5 years Minimum Occupation Period as the property no longer meet their needs. Extracted significant profits and upgraded to District 10, bukit timah, freehold condo at a good price with more space and 1km to prestige schools.

Sold within 5 days of exclusive marketing
EC sold at a higher than expected price
Save about $300k in additional stamp duty
Upgraded to a freehold D10 property,next to MRT and close to prestige schools

Sold their Punggol 5 room and upgraded into a brand new condo

Lovely couple with 3 young children looking to upgrade to a resale 3 bedroom condo near to the kids future primary school. They made decision to sell their 5-room HDB flat immediately after the Minimum Occupation Period. After meeting with them and careful financial planning, they were able to upgrade to a brand new 3 Bedroom in Tampines, within the estate they are familiar with for future tenants. Meanwhile they get to stay where they like and within the prestige school in district 11 without stretching their monthly commitment.

Sold within 1st day of open house
Mortgage stress free for at least 7 years
Save about $140k in additional stamp duty
Comfortable with monthly commitment and also get to stay near to the D11 prestige primary school
Zero cash top up
One year apart, property SRX- valued at $250K higher than their initial purchase.

Sold their Tampines EC and upgraded into a 2 brand new condo

Young couple with 2 preschool children. Like any young couple they are confused with the various options in the market. We run through the market analysis, portfoilo studies, and stress test with them. They decided to sell their newly MOP EC. Riding on the significant profits, the couple upgraded to 2 brand new properties; a 4 bedroom condo for own stay and a 2 bedroom condo for investment.

Sold within 1 day of viewing with mutiple offers
EC sold at a higher than expected price
Save about $348k in additional stamp duty
Upgraded to 2 properties
10k top up from saving as they see additional benefit of the bigger condo
Total mortgage stress free

From 3 storey landed in Pasir Ris to a HDB and a Condo for retirement

It's an elderly couple looking to retire. They wanted to downgrade to smaller property. They were initially staying in a 3-storey landed property – the place was too big. It was getting more inconvenient for them to climb up and down the stairs.

I did a clear financial plan for them to make sure that they can do with the sale proceed for future property. I also helped them to set aside money for renovations and reserve funds. They eventually bought 2 units: buy a 5 room HDB in the son's name which they managed to move in immediately. This was possible as we planned the timeline smoothly. The second property she buy is a brand new condominium where they can collect rent and pass to her grandchildren in their later years. They also have enough funds for retirement.

Previously was with another agent for 2 years. We manage to sell within 1 month of exclusive marketing
The landed sold at a higher price
Save about $180k in additional stamp duty
Retirement is fully taken care of for 3 generation

Helped this family buy a 2nd private property for investment

This young couple is in their mid 30s. Family of 5 with 3 very young children. They have sold their 5 room HDB after their minimum occupation period. Like any ordinary Singaporean they have the desire and to retire with more properties. They are clear that they wanted multiple property and needed to upgrade to 2 private properties. They have many options. We reassessed their family needs and financial situation, having it all planned and strategized. They bought 2 brand new private condo for investment. Now they are in rented property, within 1 km to their children's primary school and close to their parents.

Saved $50k renovation cost
Save about $150k in additional stamp duty
Paper gain of $50k immediately within a few months due to price hike and easily $100k cheaper than the neighboring units
Total mortgage stress free