Need Help On Decoupling / To Avoid The Hefty ABSD?
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    Matthew and Jasmine have more than 10 years of combined experience in helping couples minimise ABSD and provide decoupling advice since 2015.

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    Are you thinking of buying a 2nd property in Singapore? If so, you may be concerned about the Additional Buyer’s Stamp Duty (ABSD). This is a tax that is payable on the purchase of property in Singapore, and it can add up to a significant amount.

    Let’s assume you want to acquire a private condo which cost S$2 million. With a 20%* ABSD, you have to pay a whopping S$400,000, on top of the Buyer Stamp Duty.

    Get in touch with our experts to explore on possible ways to avoid and/or minimize ABSD!

    * Singapore has revised the ABSD rates on April 27, 2023

    • Plan For A Successful Retirement
    • Accumulate More Funds For Your Young Ones & Later Years
    • Keep Your HDB & Own A 2nd Property For Investment
    • Leave A Legacy & Pass Down To Your Children

    Top 6 Questions on ABSD or Decoupling!

    Q : What is ABSD & How to avoid/minimize It?

    A : In full term, it is known as Additional Buyer's Stamp Duty which is a tax that’s levied on top of Buyer's Stamp Duty. (a tax that property buyers have to pay when they buy a property).

    Need help on avoid/minimize your ABSD?
    Avoiding ABSD

    Q : Is it possible to own 2 properties without incurring Additional Buyer Stamp Duty (ABSD)? ​

    A : Yes, it is possible and we have assisted various clients from different backgrounds to grow their asset portfolio which you may refer to some real case studies below!
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    Q : And now, what Is Decoupling then?

    A : Decoupling is the process where one co-owner of a property transfers his or own share to other co-owner ( in the most common situation of a property co-owned by 2 persons).

    Need help on decoupling?
    Decoupling Advice

    Q : I own an HDB which is coming to 5 years/more than 5 years, what should I do now? ​

    ⁣A : We have a few options where you can upgrade from your existing HDB or even the possibility of buying 2 properties with rental income. However, we would need more information (eg outstanding loan, financial assessment) to assess the feasibility as well.

    Q : I own a private property, what is next in line for me?​

    A : We have 3 different options for you, but before that, we need more information (eg property info, financial assessment) from you so that we can propose the most suitable method.

    Q : Do I have to pay you any consultation fees or any hidden cost involved? ​

    A : Definitely NOT. We highly believe in working on a transparent relationship and we provide a complimentary consult with a personalised risk analysis report for you as well.

    Read on to find out more about our successful decoupling case studies for both HDB & Private owners INCLUDING OURS !

    Case Studies

    Case Study 1 - HDB Upgraders

    We thought that apart from just sharing our client’s stories, why not we share about our OWN story first? It would be more convincing hearing it from us as we have already went through the process! In short, we walk the talk! 

    So here is OUR OWN TRUE STORY and how we have successfully decoupled and planning way ahead for extra savings for rainy days and retirement. 

    We are in our mid 30s now, and as most young couples, got married earlier and went the usual “right of way” to buy our 1st property – 4room HDB Build To Order(BTO) at Hougang area. As per all conventional saying, “you need to take advantage of what the government is giving you”. That was the mindset prior to us joining this industry.

    But fast forward 8yrs later (including 3yrs to build and waiting another 5 years to reach MOP), we sold our flat. WHY? Where to get such amazing views? Why not fully pay it and be debt free? These were typical questions asked. 

    In short, we are aware that HDB is a priced possession and commonly thought of as a “safety net”. But being in the industry for years, we did our own research,  (which we will be sharing with all of you) we realised the opportunity cost and/or options to be saving while making money was missing. Seeing many clients stuck and having insufficient funds for retirement despite having a fully paid property was also one of our biggest concerns. 

    Thus, we weighed out our risk, saw the potential and decided to take the leap of faith where we sold our HDB and TODAY, we are the owners of 2 private properties in the RCR and the CCR in Singapore and did not incur ABSD.

    However, bear in mind that everyone’s situation is up to the individual based on your comfort level and we are more than happy to discuss!

    Today, we own 2 Private Properties

    & planning well ahead for retirement.

    Case Study 2 : HDB Upgraders - Keep The HDB & Buy Private Property

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    Of course, we are aware that there are home owners who would want to keep their HDB due to the following reasons :  

    1) Preference of bigger space due to family size 

    2) Personal family reason

    3) Sentimental reason

    We completely understand and we are able to assist home owners to retain their HDB, purchase another private property with MINIMAL ABSD.

    But of course, every case is unique and we will need to assess your situation before we can advise further! So do leave us your contact below now to find out on your eligibility! 

    As Home Owners, you can possibly benefit from our well strategised method and keep your HDB, own a 2nd private property

    & leave a legacy to pass on to your children down the road.

    Case Study 3 : Private Owners - Keep Existing Property & Buy Investment Property

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     Mr and Mrs Ho own a private property currently and  wanted to purchase another private property due to the locale and possibility of. However, Mrs Ho would like to keep their existing property due to sentimental value and would like to minimise incurring Additional Buyer Stamp Duty (ABSD) as well. 

    We sat down, assessed their financial situation and importantly to understand their needs and objective.  After which, we gave them an overview on the market’s trend and data, the potential upside and opportunities and their risk and safety net most importantly.

    They were assured and felt that decoupling their existing property while concurrently purchasing their next private property would be the best option moving forward that would meet their requirements and their needs. 

     However, bear in mind that everyone’s situation is up to the individual based on your comfort level and we are more than happy to discuss.

    Today Mr & Mrs Ho still retain their existing property
    & own a total of 2 private properties with

    potential extra funds of savings for their children and/or retirement.

    Case Study 4 : Multi Property Owners - Own 2 or More Properties & Keen to Buy Another

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    For buyers who strongly believes in the Singapore property market and is currently having 2 or more properties, do read on to find out how you could own another property with MINIMAL ABSD involved and to be able to save a significant amount of taxes.

    Our clients, both mother and daughter owned 2 properties combined and they wanted to get 1 more private  property for investment purposes.

    They were looking for a 1 bedder and through our professional advice and sharing, while reshuffling their ownership within the 2 properties that they had, they were able to secure a private property in an ideal location and also save a significant amount of taxes. 

    It is all possible with the right strategy and methods, we assisted our clients to reshuffle their assets and save in taxes. However, we do encourage you to leave your contact and speak to us, so we may better assess and advise and ensure that you are able to do so!

    Today, our clients collectively
    own 3 properties!

    We Would Love To Clear Your Doubts!

      In adherence to the Personal Data Protection Act, by submitting your personal particulars through the forms in this website, you are hereby agreeing to allow us to contact you via the contact information you have provided. 

      **Pictures shown are for illustration purpose only**

      Kelvin Phua
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      A dynamic duo for sure! From prepping the home, to taking some truly awesome photos and putting it out on the media and platforms that truly made a difference and managing every detail for each viewing. We not only managed to sell at a great price truly quickly, we also managed to find our new home in record time at a fantastic price! Couldn't be happier with their service and professionalism!
      AugustineChew JessicaLuo
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      True dynamic duo! Besides their professionalism and systematic approach throughout the process, Matt and Jas impressed us most with their level of detail which made the entire process seamless. Probably the best advert we ever clicked on in FB. Genuine couple who caters to your needs.
      Zhang Wenwei
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      Understand that our property is nearing MOP, my wife and I wanted to know more about selling our property and buying another. We decided to approach this lovely couple, Matthew and Jasmine.
      Elena Lim
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      They sold and supported us on our buying journey. I wanted a strong negotiating realtor who knows the trade and you guys delivered on that.
      Jocelin Soon
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      Matthew and Jasmine were always responsive and willing to go to the extra mile. Was very pleased with their services.
      Jeremy Sng
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      both matt and jas were extremely helpful in accommodating my work schedule and went out of the way with top notch service, and all smiles! very grateful for their help. professional and responsive. not pushy. could not have asked for more.
      Leanne Bupendra
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      A fabulous team. Professional, efficient and effective. We were blown away by their prep work, their presentation and marketing knowledge and skill, and their professionalism. They operate differently from any other agent we have ever met. They always try to accentuate the positives of your property and use that to present your property at it's best. Follow their advice, and you will sell your home in a jiffy at a price you want. Thanks Matthew and Jasmine.
      Sean Seah
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      Professional, practical, perfect duo. Nothing stop them from giving their best to help the owners.
      Serin Hvmzvh
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      Hi, I was having difficulty selling my house. we been marketing for almost 2 years. we were very lucky that someone introduce us to Mathew. Super commited and efficient. Both Mathew and Jasmine in less than 1 month manage to sell our house. They really put all the effort to make the success of selling our property. Last but not least you wont regret to choose them.
      Jennifer Lim
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      Matthew and Jasmine are a passionate, efficient, helpful, thoughtful, responsible, trustworthy, quick-witted, attentive, patient and hardworking pair of partners at work. They handled the sale of my mum's property with great effort and delivered very satisfying results. Thank you!!
      Dylan Loh
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      Matthew and Jasmine helped my mom sell her HDB flat in Bishan. I approached them after the unit was on the market for almost 6 months without any serious enquiries. They have been very patient and helpful throughout the marketing and sale process. Thank you!
      Julian Lim
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      We entrusted Matthew and Jasmine to sell our first HDB flat. We had set aside a few months for the sale but to our pleasant surprise, in less than a month, out unit was sold. The whole process was stress-free, they were always well-prepared with data, knowledgeable in answering queries, and knew how to manage both seller’s and buyer’s expectations. I personally had prior bad experiences with property agents who were territorial, pushy, or unclear and not transparent.
      Deborah Wong
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      I loved the professionalism Matt and Jas offered for the sale of our home. They offer practical suggestions and we were able to get an ideal offer for our home within a couple of weeks! I didn't think selling my home can be so easy.. thank u! Will definitely recommend this power duo to my friends and families!
      Chay Margaret
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      Both Matthew and Jasmine are very professional and knowledgeable to their jobs. Beside they are very responsible and always work above their milage of their jobs.I should said they are very attentive, caring, friendly, polite, humble and always give a beautiful smile on their face.
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