The Clients
A couple first met Teresa at a showflat accompanying a friend. They’d been in their Tampines flat for over 7 years and the whole idea of upgrading felt overwhelming as they weren’t sure if they can afford to upgrade safely.

Before We Helped
Their biggest fear was ABSD. On a purchase in their range, the 20% stamp duty runs to a 6-figure sum if the sequencing goes wrong.

Hearing stories from couples who bought first and had to fork out the ABSD upfront, they wanted a clear plan before deciding their next step.

What We Did
• Walked them through the real numbers from the start, including HDB sale proceeds, CPF refund, accrued interest, loan eligibility, and exactly how much cash they’d actually have available.
• Mapped out a sequencing strategy so the flat sold and their next purchase was timed to stay within the ABSD remission window, avoiding the stamp duty entirely.
• Negotiated the handover dates of their new home and an extension of stay in their current HDB so the transition was smooth, no rental and no rushed packing.
• Listed their flat with professional photography, staging advice, and a full campaign across major platforms and the agency network.
• Received 14 viewing and 3 competing offers where their flat eventually sold for $985K, approximately $25K above comparable transactions in the same block.
• Shortlisted resale condos that match their family’s needs, and negotiated the purchase price down from $1.94M to $1.62M.

The Result?
HDB flat sold at $985,000 ✓
Condo purchased at $1.62M ✓
ABSD avoided entirely ✓
No rental, no temporary accommodation ✓

The Clients
A couple in their late 30s with 2 young children and a third on the way. They’d been happy in their 4-room flat for nearly 10 years, but with a new baby coming, they were running out of space.

Before We Helped
The rule that Singaporeans can only hold one HDB flat at a time made the thought of upgrading feel like an impossible juggling act.

So they kept putting it off as they imagined the worst case scenario: the sale completes but the whole family of 5 had nowhere to go in between.

What We Did
• Treated the sale of their current flat and their next purchase as one single coordinated move, not 2 separated transactions.
• Got their HFE letter sorted upfront so they knew exactly what they could borrow and what grants they qualified for, before viewing a single unit.
• In the numbers calculated for them, we factored in the resale levy from the start, so they don’t get any surprises later.
• Listed their current unit with professional photography, a virtual tour, full staging advice, and a campaign across major portals and the agency’s internal network.
• Their unit received multiple offers, and eventually sold at a price they were genuinely happy with, faster than expected.
• Shortlisted larger units near schools and family that also qualified the EIP quota, so they don’t view units they couldn’t actually buy.
• Coordinated HDB submissions, banks, lawyers, appointment dates, and every deadline along the way

The Result?
Larger flat secured for their growing family ✓
Completion dates perfectly aligned, not a single day without a home ✓
No rental, no chaos ✓

The Clients
A couple in their late 50s were semi-retired, living in a 5-room HDB.Their 2 grown children had moved out, and they were rattling around in a flat that held 30 years of memories, and most of their savings.

Before We Helped
They understood that most of their wealth were tied up in the flat, but weren’t sure if selling was the right call.

Every agent they spoke to jumped straight into “Let’s list it for sale”, without helping them understand their options first.

What We Did
• Started with their retirement planning, including their monthly expenses, travel plans, whether they wanted to stay near their children, and understanding what kind of home felt right for their retirement.
• Laid out several scenarios side-by-side. Staying put vs. right-sizing, with real cash figures for each after CPF refund, fees, and moving costs.
• After they decided to proceed, we listed their flat at $1.06M which generated 14 viewings and received 3 offers in 3 weeks.
• Their unit was eventually sold for $1.04M.
• Helped them find a renovated 3-room resale flat near their daughter, with lift access, MRT nearby, and is in move-in ready condition.
• Coordinated both completions so they could move into their new home without renting or moving twice.

The Result?
5-room flat sold at $1.04M ✓
3-room resale flat purchased at $565,000 ✓
Approximately $470,000 unlocked in cash after all costs ✓
No rental, no double move ✓

The Clients
A couple in their late 40s with 3 school-aged children. A business owner and a doctor with a combined income of around $55K/month.

They lived in their 4-Bedroom OCR condo for 11 years, and had always talked about upgrading to a Landed, but was worried about the complexity.

Before We Helped
They knew they were financially ready, but what worried them was the complexity of transacting a landed property as they are a different league from condos.

At that price point, they knew the cost of a mistake would be significant, and didn’t want to rush into something they’d regret.

What We Did
• We started with the numbers by working closely with their banker to model different sale and purchase scenarios, factoring in stamp duties, renovation budgets, and holding costs.
• Listed their condo unit at $2.68M and received offers within 3 weeks, which eventually sold at $2.73M.
• Shortlisted 6 landed properties that genuinely matched their needs, and laid out the strengths and weaknesses of each, in terms of the land size, renovation potential, and surrounding developments.
• Advised against one property they initially liked as the asking price didn’t hold up against recent comparable transactions.
• Found an inter-terrace home that ticked every box, and negotiated the purchase price from $4.18M to $4.03M.
• Aligned completion dates of both transactions, so their family could move directly into the landed home without renting or moving twice.

The Result?
Condo sold at $2.73M (above asking) ✓
Landed home purchased at $4.03M [$150,000 below asking] ✓
Full transition completed in under five months ✓
No temporary accommodation ✓

The Clients
A couple approaching 60. Their children had long moved out, their current family home felt far too big, and most of their wealth were tied up in a property they no longer need.

Their friend who had sold through Teresa referred the both of them to have a talk.

Before We Helped
They knew they should probably right-size, but what they didn’t have was someone who could show them the full picture.

What they could actually unlock, how to stay near their grand children, and how to do it without taking on new debt at their age.

What We Did
• Started with their life, not listings. How they wanted to spend the next 20 years, how much monthly income they needed, and where they wanted to live.
• Built the entire strategy around one goal: staying liquid and debt-free.
• At their age, LTV limits and loan tenure worked against borrowing, so the plan was never to leverage. It was to right-size into a smaller home they’d own outright.
• Timed the sale and purchase so they never held 2 properties at once.
• Negotiated their handover dates which gave them a comfortable runway to pack up a home of many decades, no rushing and no rental.
• Priced off genuinely comparable recent transactions, ran viewings, and negotiated firmly to a result they were thrilled with.

The Result?
Smaller home purchased, fully paid up, zero mortgage ✓
Healthy cash cushion freed up for retirement ✓
No rental, no rushed move ✓

The Clients
A homeowner was going through a divorce and was required to sell the property within 6 months. Both parties wanted as little direct contact with each other as possible.

Before We Helped
Four months in with another agent, they only had 2 viewings, zero offers. The court deadline was closing in fast, and the thought of applying for an extension, on top of everything else happening in his life, was overwhelming.

What We Did
• Took over the sale with just four weeks left before the deadline.
• Acted as the single point of contact between both parties, so neither had to deal with the other directly.
• Navigated the differences in opinion between both owners calmly and kept the sale moving forward.

The Result?
Property sold before the court deadline ✓
Final sale price: $50,000 above expectation ✓
No extension needed ✓

The Clients
A couple in their early 40s with 2 young children.

Finance and marketing professionals with a combined income of $24,000/month.

Had lived in a 3-bedroom OCR condo for nine years and wanted more space.

Before We Helped
They were certain they wanted to upgrade to a bigger unit with more space, but the path wasn’t clear.

“Should we sell first or buy first?”
“Do we need to pay ABSD?”
“Do we have to rent?”

They knew the wrong move would cost them tens of thousands of dollars and they wanted a plan, not a pitch.

What We Did
• We laid out 3 complete upgrading scenarios (sell-first, buy-first, extended completion), each with cash flow, risks, and timelines laid out clearly.
• Eventually recommended the sell-first route, and executed the sale and purchase as one coordinated plan.
• We listed their condo unit at $1.72M based on recent transactions which generated 11 viewings and received 2 offers in the first 2 weeks.
• Eventually negotiated the final sale price to $1.75M.
• Shortlisted suitable 4-Bedroom condo units while the sale was underway, and secured a unit within 10 days of the OTP being exercised.
• Aligned completion timelines across both transactions so they could move directly from one home to another.

The Result?
Condo sold at $1.75M (above asking) ✓
4-bedroom condo purchased at $2.08M ✓
Zero nights in temporary accommodation ✓