Learn how to sell, plan your finances, and upgrade confidently without over leveraging or losing your HDB profits.
You’ve worked hard to own your HDB flat and now you’re ready for the next step. The question is: how do you upgrade to a condo without overstretching or losing sleep?
This **Free Insider Guide** reveals how to safely plan your HDB to condo upgrade, time your sale and purchase, and make your next move confidently.
Many HDB owners want to upgrade, but don’t know how to start.
Should you sell first or buy first? How do you bridge your funds? What if you get stuck and have to pay ABSD?
Why Most HDB Upgraders Struggle (And How You Can Avoid It)
Many HDB owners dream of upgrading but get stuck because:
The truth is... upgrading is not just about buying a bigger place.
It’s about **making your next move strategically** so that you buy an asset that grows your wealth safely.
THE TOP CRITICAL MISTAKES THAT HDB UPGRADERS MAKE WHEN BUYING PROPERTIES IN SINGAPORE
With the surge in glamorous new launches with new record psf prices, homebuyers have been led into buying developments that may erode their savings.
It's not the ageing resale condominiums with maintenance issues.
It's not the luxury condos in the Core Central Region.
It's not the penthouses in boutique developments or is it?
The choice developments that homebuyers have been taught to buy turned out to be value traps:
➡️ Luxury developments designed by renowned architects
➡️ Freehold developments that "protect" you from lease decay
➡️ Integrated residential developments with amenities at doorstep
➡️ Large unit layouts that offer "more space"
Without proper guidance, these property owners have suffered six to seven digit losses or are stuck with their properties until the market moves in their favour. Even if they held on, will they be able to exit later without suffering painful losses?
UPGRADING SAFELY HELPS IN FUTURE PROGRESSION
A couple in the finance sector approached us wanting to upgrade into The Atelier, a brand new luxury freehold development in Newton. We could see why it was their first choice - brand new, freehold, near MRT and in the Core Central Region. It ticked a lot of boxes in the "conventional mindset". They were already convinced and we did not have to do anything much. But it just didn't sit right with us.
After going through our SAFE Property Move Framework, We told them not to proceed. Instead we guided them towards a resale project in Queenstown - Commonwealth Towers. We analysed the various listings on sale and ultimately secured a high floor unit with clear, unblocked views and it was the most efficient in layout. Today, this family is comfortably sitting on $500,000 in paper gains, which they can potentially unlock.
They did not have to incur more expenses to rent a place for 3 years.
Moreover, The Atelier being recently completed has yet to have a roundtrip transaction.
Two different developments in the same property market in the same time period but with different outcomes. In each market cycle or season, an opportunity comes up for ready buyers to capitalise on.
Buyers must be prepared and ready to move with confidence when such opportunities arise.
HOW DO WE VALUE ADD TO YOUR UPGRADING JOURNEY
We will only provide you with data and research that are supported by credible sources because factual information do not lie.
During our consultation, we will help you to understand the following:
✅ How to calculate your true upgrade budget safely
✅ The right time to sell your HDB
✅ How to avoid ABSD and double mortgage traps
✅ Step-by-step planning for a smooth transition
✅ Real case studies of successful HDB upgraders
✅ Mistakes that cost homeowners thousands — and how to avoid them
This is not a sales pitch — it’s a practical, data-backed consultation customised for real HDB upgraders like you.
How Couples Own 2 Properties Without Paying ABSD?
One for Own Stay. Another That Pays for Itself.
You’ve worked hard for your first home, now it’s time to make your property work for you.
With the right strategy, Singapore couples are using decoupling to legally own two properties without paying ABSD and let one property fully pay for itself through rental income.
This is what the Wang family did. They sold their HDB flat and upgraded to a 3 bedroom condo in Centris purchased only with the wife's name. The husband then purchased an investment property in J Gateway and the unit has been rented out since day 1 with the tenants paying the "monthly instalments".
With 3 children and each requiring their own bedroom, we sold their 3 bedroom unit that yielded them almost $600,000 in profits in less than 6 years. This allowed them to make a comfortable upgrade to a 4 bedroom unit that can meet their family needs.
WHY DO WE DO THIS?
Over the years, we've seen too many homeowners lose money simply because they didn’t plan their upgrade right or they chose to delay until it was too late for them financially to do so.
That’s why we created this free guide to help you avoid those same mistakes and move forward with clarity.
The property market is evolving and record prices are set everywhere. The thing is - not every record price is worth paying for. The market indicators we are seeing now tell us that price disparities are closing soon.
Don't make your decision to buy a million dollar property based on past data. It's not just about maximising returns, it is about protecting your life savings and building your capital for future needs.
Let's Get You Started 😊
We will help you address your concerns on upgrading.
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