From your first viewing to the final handover, we walk with you every step of the way.
Buying a Property in Singapore
Whether you are a first-time homebuyer, upgrading to a larger space, or adding to your investment portfolio, buying a property in Singapore is an exciting journey. We break it down into simple, manageable steps.
Step 1: Know Your Budget
We help you calculate your total budget factoring in your available cash, CPF savings, and maximum loan eligibility. Key considerations: HDB Loan and Bank Loan eligibility, TDSR, MSR, and available CPF OA savings.
Step 2: Understand Your Costs
Upfront costs: Option Fee (1%), Exercise Fee (4%), BSD (sliding up to 4%), ABSD (varies), Legal Fees (~$2,000-3,500), Valuation Fee (~$120-500). Ongoing costs include mortgage, property tax, conservancy, and insurance.
Step 3: Property Search & Viewing
We help you shortlist properties, arrange viewings, and provide honest feedback on each unit. We look at actual condition, neighbourhood feel, transport connectivity, future development plans, and resale value.
Step 4: Making an Offer & OTP
We analyse recent comparable transactions to determine a fair offer. We guide you through Option to Purchase (OTP), due diligence, and exercising the OTP within the agreed period.
Step 5: Loan Application & Valuation
Once OTP is exercised, we help secure financing via HDB Loan Eligibility or connect you with trusted mortgage specialists for competitive bank rates.
Step 6: Completion & Key Collection
We stay with you through HDB Resale Application, HDB Approval (6-8 weeks), and Completion Appointment. Post-completion support included.
Use our calculator to estimate BSD, ABSD, legal fees, and more. Enter the property price and your buyer profile to get an instant breakdown.
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Selling a Property
Selling your home is about more than putting up a For Sale sign. Here is how we help you maximise your sale.
Step 1: Market Analysis
Comprehensive CMA covering recent comparable transactions, market trends, your propertys unique selling points, and recommended pricing strategy.
Step 2: Prepare Your Home
Professional home photography, virtual 360 tour (optional), home staging recommendations, minor repair and decluttering advice.
Step 3: Marketing Launch
PropertyGuru and 99.co listings, social media marketing, database matching, ERA internal network (8,000+ agents), WhatsApp broadcast to buyer database.
Step 4: Viewings & Feedback
Weekly progress updates, buyer feedback summaries, market response analysis, adjustment recommendations if needed.
Step 5: Negotiation & Offer
We evaluate each offer on price, timeline, and buyer financials. We manage counter-offers professionally and protect your price while closing the deal.
Step 6: Closing & Handover
OTP preparation, HDB resale application, CPF refund coordination, completion appointment support, keys handover coordination.
Market Intelligence
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HDB Resale Transactions
Up-to-date records by block, flat type, and area.
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Private Property Data
Condo, apartment, and landed property sales data.
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Price Trends
Month-over-month and year-over-year price movements.
Estimate BSD, ABSD, legal fees, and total payable