You’ve read the guides. You’ve run the calculator. Now you want a second pair of eyes — someone who does this every week — to pressure-test your plan before you commit hundreds of thousands of dollars. That’s exactly what a free upgrade assessment is for.

What the assessment covers

An experienced upgrade specialist will sit down with your figures and work through the questions that actually decide whether your move is sound:

  • Your real net cash after loan redemption, CPF refund (with accrued interest), and selling costs.
  • Your ABSD position — whether selling first avoids it, or whether a buy-first plan is fundable and safe within the 6-month window.
  • Your loan ceiling under TDSR at the stress rate, and whether your LTV is the full 75% or the 45% an outstanding HDB loan imposes.
  • Your sequencing — sell first, buy first, or coordinated timing — matched to your cash, your loan, and how sellable your flat is.
  • A realistic condo budget and shortlist approach for your district, school, and commute needs.

How the matching works

This isn’t a call centre. The aim is to match you to an agent whose experience fits your scenario — an east-side family upgrade, a tight buy-first timeline, a new-launch progressive-payment plan — rather than whoever picks up first. The assessment is free and carries no obligation; you’re under no pressure to transact.

Free upgrade assessment
Request your free upgrade assessment
Tell us where you are in your journey and we'll match you with a licensed property agent who specialises in HDB-to-private upgrades. Free, no obligation.

Used only to prepare your home report and shared with your matched specialist. You can withdraw anytime.

We only use your details to match you with a licensed agent. We never sell your data.

You're all set!
A licensed upgrade specialist will be in touch within one business day to discuss your numbers and next steps.

Before your assessment: do these first

You’ll get far more from the conversation if you arrive prepared. Two quick steps:

  1. Run the calculator so you walk in with your net cash, ABSD exposure, and budget already estimated.
  2. Pull your CPF Home Ownership dashboard for your principal and accrued interest, and note your outstanding HDB loan balance.

With those in hand, the assessment becomes a genuine strategy session rather than a data-gathering call.

Prefer to keep reading first?

No problem — start with the 12-point upgrade checklist to confirm you’re ready, or the sell-first vs. buy-first decision to settle your sequencing. The assessment will be here whenever you’re ready.

This is a free matching service connecting Singapore HDB upgraders with licensed property agents. It is general information, not financial, tax or legal advice. Your details are used only to match you with an agent; we don’t sell your data.