Is It Time To Upgrade

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Is It Time To Upgrade 〰️

But You’re Worried About Cashflow, ABSD or Making A Mistake ?

HOMES WE’VE HELPED TO UPGRADE

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Why Families Choose The Property Approach

✅ Client Case Study: From BTO in Canberra to Private Condo with No Cash Top-Up

👨‍👩‍👦 Meet D & A

D & A were living in their BTO flat in Canberra, but as their son approached primary school age, they knew it was time to upgrade. Their goals were clear:
→ Find a better school zone
→ Upgrade to a larger private home
→ Avoid any cash outlay — using only CPF and sale proceeds

🚧 The Challenge

With multiple units on the market in their block, they were concerned about price competition. Plus, they didn’t want the stress of selling and buying at the same time, or risk a rushed move.

🎯 The Game Plan

We helped D & A:
✅ Position their mid-level BTO attractively to stand out among competing listings
✅ Secure a strong selling price in a softening market
✅ Time their sale and purchase carefully to avoid double moves
✅ Shortlist resale condos >1,000 sqft near good schools and MRT access
✅ Complete the upgrade with no additional cash top-up — purely CPF and sales proceeds

🔑 The Outcome

Within weeks, we negotiated a high-value offer on their unit and identified a suitable resale condo that checked all the boxes: spacious layout, convenient location, and a solid school nearby.

With a smooth transition timeline from their buyer, D & A had ample time to renovate their new home and move once — stress-free.

💬 What This Shows:

✅ You don’t need to delay upgrading until “the perfect time”
✅ With the right strategy, you can move up with zero cash top-up
✅ A great agent manages both price and timing — not just transactions

Why Families Choose The Property Approach

🍼 Client Case Study: A Timely Upgrade for a Growing Family

👨‍👩‍👧 Meet H & E

When H & E reached out, they were expecting their second child and living in their 4-room HDB in Ang Mo Kio — a resale flat they bought after getting married. With a baby on the way and plans to secure a spot near a GEP school in Tampines for the future, upgrading to a bigger private home became a priority.

But there was a catch — and a few challenges.

🚧 The Challenge

Their flat was under ethnic quota restrictions, meaning they could only sell to non-Chinese buyers. On top of that, timing was crucial: they wanted to move just once — not while caring for a newborn. The school, baby, and move all had to line up perfectly.

🎯 The Strategy

We got to work:
✅ Positioned the unit attractively to appeal to the right buyer profile
✅ Navigated the quota restrictions confidently
✅ Secured a delayed submission + 3-month extension = 9-month total runway
✅ Found a buyer who was flexible — not in a rush, which gave H & E breathing room

Then, we zeroed in on their future.

🏠 The Outcome

We shortlisted 4 private condos in Tampines, all with good growth potential.
They selected a spacious 4-bedder in a newly TOP project, giving them:
✔️ A fresh lease
✔️ Family-friendly layout
✔️ Opportunity for long-term appreciation

Best of all, we secured early access for renovation — and yes, their second baby arrived before completion. Thanks to smart planning, they moved once, stress-free, into a beautiful new home ready for the next chapter.

💬 What This Shows:

✅ Ethnic quota? Handled.
✅ Baby on the way? No problem.
✅ Buy/sell timeline? Seamless.
✅ Long-term value? Secured.

HAPPY CLIENTS WE’VE HELPED

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What you’ll get

  • ✅ A Personalised Property Roadmap

    Know exactly what you can afford, when to sell, when to buy, and how to upgrade smartly — without guessing.

  • ✅ Full Buy & Sell Game Plan

    Whether you’re upgrading to an EC or private condo, we help you time it right — avoiding ABSD, COV, or bridging loan headaches.

  • ✅ Honest, Strategic Guidance

    We don’t “push properties.” We help you make informed decisions based on your goals, not sales targets.

  • ✅ Step-by-Step Transaction Support

    From your current HDB to your dream home, we manage the paperwork, financials, and timeline so nothing gets missed.

  • ✅ Off-Market & Early Access Opportunities

    Get access to rare units, new launches, and curated listings before the general public.

  • ✅ Real Support, Even After You Move In

    We’ve helped clients set up their e-gates, smart locks, and even connect with the right contractors. That’s the kind of agent we are.

Meet your realtors

We’re Kamal & Louise, a husband-and-wife real estate team who’ve gone through the same milestones many of our clients face — growing our family, upgrading our home, and planning for a future that gives our children a strong head start.

We believe property is more than just an asset — it’s a long-term tool to build stability, create options, and set the next generation up for success.

Our key principle is simple:

We want to have enough for our retirement — so our kids can start their lives strong, without needing to support ours.

That belief shapes how we advise our clients: with clarity, care, and smart strategies that look beyond the transaction.

If you're looking for someone who understands both the heart and the math behind property planning — we’d love to walk that journey with you.

Testimonials

  • Louise and Kamal are professionals with the best hearts. They are amazing at what they do - very prompt, resourceful and meticulous. They went the extra mile to ensure that we got everything we wanted and needed that was within our budget and preferences. I felt zero stress with my house search (which really shows how great they are), everything was taken care of, updated, and reminded in a manner that was not overwhelming. HIGHLY RECOMMEND! They're really the best!!!!

  • Kamal is a very helpful agent who understood our needs and helped us to secure the home of our choice at a better rate. He was constantly looking out for better deals and homes throughout our entire home finding journey and wad very accomodative in our timings. Would definitely be a returning customer in the future. Finding an agent who is vested in your interest is never easy, am glad to have chanced upon Kamal among the many. - Rebecca

  • Awesome service and by far the friendliest agent I have met. Kamal reached out to me 2 years ago to understand my future plan on owning a house. Fast forward 2 years, I am now happily sitting in my 4S HDB apartment writing this review here! He gave superb recommendation and is able to seek out the best opportunity for his client! I strongly recommend Kamal if you are seeking to get a new place! 👍🏻👍🏻👍🏻- Sien Cong

  • Kamal has been very helpful and patient in addressing my questions and guiding me through the process of securing my dream home. He was also willing to provide practical advice and tips on home maintenance related issues, no matter how trivial they may be. Highly recommended! - Weng Keong

  • As first-time home buyers, we couldn’t have asked for a better agent than Louise to guide us through this journey. Louise has been exceptionally helpful and patient from the very start, helping us understand the finances and the grants available to us. She also picked out a good selection of houses to assist us in narrowing down our preferences, which eventually led us to our dream home. Louise always puts our interest first, so we had a very enjoyable and stress-free experience from making an offer to the final key collection. We’ll definitely recommend her to anyone looking to purchase their home. ❤️

Still have Questions?