So, You Want To Know More Successful Cases
Discover All the cases studies below are my clients whom I served recently. They come from various backgrounds and financial resources.
But what do they have in common - a desire to improve their existing portfolio to suit their current and future financial needs.
Another HDB StressFree upgrader:
✅ 9.5 years no worries for her mortgage
✅ Increased In her Savings
✅ Save $120k in additional Stamp Duty
✅ Brand New Next to MRT
✅ Paper gain of $40k upon signing, another gain upon price hike next month.
✅ without touching savings
✅ Sold within 1 week marketing, 1 day open house
✅ Bought private condo $70k below valuation
✅ Next 5 years without worry for mortgage
✅ Next to MRT, No Renovation Required
✅ 5 years later, prices will jump to another level.
✅ without touching savings
This family of 3 was looking to Upgrade from their fully paid HDB to a resale 2 Bedroom Condo. After meeting with them and careful financial planning, they were able to upgrade to a brand new 3 Bedroom in Serangoon, within 1km of famous primary school for their infant child. They need not worry about paying for their mortgage for the next 7-8 years.
This Husband and Wife were facing the challenge of selling off their 3 Bedroom Condo at Jalan Loyang Besar. They were looking to downgrade to a 3 bedroom HDB and use the cash proceeds for their retirement. After meeting them and sharing the current market opportunity, they have restructured their portfolio. They are currently proud owners of two private property and collecting rent. They did not have to compromise on lifestyle for their retirement.
After getting their PR, these two young sisters were asking me if they should wait 3 years to buy a resale HDB.
Their concern was the falling HDB prices and if resale HDB is the best way to start. Leveraging on their age and mortgage, they were able to afford a 3 bedroom Brand New Condo. They have recently moved in and currently have a 20% growth in their property price. From $1200psf to $1440psf. An investment opportunity which they would have lost if they had chosen to rent and wait 3 years to get resale HDB as PR.
This case is of a friend of mine. He was holding on to a 10-year-old condo. Prices have peaked and he was wondering if he should upgrade or wait. After a detailed sharing, he realised his condo was 10 years old, there are still a decent group of buyers. Prices fell steadily thereafter due to cooling measure. With hustle, He managed to sell above valuation, upgrade to a 2+ Study Loft Penthouse, next to MRT, with almost $300k for raining days. One of my proudest case.
This young couple was not planning to sell their 5-year MOP HDB. They felt there was too much competition amongst their neighbours and this would reduce their selling price. However, after upgrading to this Potong Pasir Brand New 3 Bedroom, they need not worry about monthly instalment for more than 10 years. This made sense to them thus they upgraded immediately.
This client is a single man in his 30s. Helped him sell his 1 bedroom condo at Pasir Ris and upgraded to a Brand new 2 bedroom at Redhill. It was a Stressfree upgrade without touching his savings. Trading in his old condo for a brand new and better located one.
Husband and wife were contemplating if they should upgrade to private. After my detailed sharing, they realised they did not have to pay any resale levy and still, eligible for $30,000 grant. Financially it made sense to upgrade to this Choa Chu Kang EC.
This buyer is a gentleman (not in picture), shy to take pictures. His 2-bedroom condo had slowed in rental and price growth. Upgraded to a 2 Bedroom at Serangoon. Not having to worry about his monthly mortgage for the next 7 years.
After 7 rounds of cooling measure, the market was slow and prices were falling. Mortgage Loan was a challenge too. Detailed financial timeline and skilled negotiation upgraded this gentleman to a brand new condo next to Serangoon MRT.
This client of mine was tired of the small space and inconvenience of her home at Changi. Initially, upgrading from freehold to a next to MRT 99 year was a drawback. She took action as the financial report I prepared ensured her she will be able to leave a freehold legacy before her retirement.
This HDB couple wanted to upgrade to a landed for space, as their children are growing up. The HDB was sold within 1 viewing and, upgraded to a 4 storey townhouse with funds for rainy days.
This lovely couple had a fully paid condo in Pasir Panjang and wanted to get a fully paid HDB in Toa Payoh and use the remaining cash proceeds as retirement. With creative financial planning and funding, the husband bought a freehold property for own stay and a 1 bedroom condo under wife's name for passive income.