Buy & Upgrade
Strategic, senior-level advice for your next home — whether you’re buying your first HDB resale, moving up to a condominium, or securing a new launch at the right price.
Each journey is different. The approach is the same: clarify your position, compare the data, then move with timing and discipline.
Guidance through eligibility checks, grant applications, valuation gaps, and negotiation.
Condominium, landed, and executive condominium purchases handled with market data and disciplined viewing shortlists.
Access to new project information, unit selection strategy, and launch-day guidance without pressure tactics.
Selling and buying in the right sequence reduces risk, preserves optionality, and keeps your financing intact.
Clarify loan eligibility, TDSR/MSR limits, and cash/CPF position before committing.
Get a realistic market valuation and net-sale proceeds estimate.
Prepare, price, and market your existing home with a backup plan if the next purchase moves faster.
View and compare replacement properties against your upgrade criteria and budget.
Submit a confident offer or book a new-launch unit with coordinated completion dates.
Manage OTP, legal completion, CPF refunds, and handover timing for both transactions.
These planning considerations help you prepare for a focused conversation with your banker, lawyer, and property advisor.
Understand Total Debt Servicing Ratio for private/bank loans and Mortgage Servicing Ratio for HDB/EC purchases.
Review available CPF Ordinary Account funds, CPF Housing Grants, and required cash portions.
Factor in Additional Buyer’s Stamp Duty based on citizenship, property count, and holding structure.
Account for down payment, stamp duties, legal fees, renovation, and emergency reserves.
Plan for progressive payments (new launch), monthly mortgage, maintenance fees, and property tax.
Allow for valuation gaps, bridging needs, or temporary rental if sell/buy dates do not align.
Not personalised financial advice. Speak with a qualified mortgage specialist or financial planner before committing.
A senior-management approach means fewer hand-offs, clearer advice, and decisions backed by current market data.
Thomas personally reviews your financing position, timeline, and options before any recommendation is made.
Recommendations are grounded in recent transactions, supply pipelines, and district-level trend analysis.
A clear plan that respects your pace, your family needs, and your risk appetite — not a sales script.
Tell Thomas about your plans. He will review your details and be in touch within one business day.
Thomas Tan, CEA Reg. No. R005150D, Huttons Asia Pte Ltd, Agency Licence No. L3008899K.
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