Need Help On Decoupling/To Avoid Hefty ABSD?
Let Us Help You To Minimize Your ABSD. Get In Touch With Us Today!
Get In Touch For A Non-Obligatory Discussion To Clear All Your Doubts
Matthew and Jasmine have more than 20 years of combined experience in helping couples minimise ABSD and provide decoupling advice since 2015.
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$2million. With a 20% ABSD, you have to pay a whopping S$400,000 on top of the Buyer Stamp Duty. Get in touch with us to explore on possible ways to avoid and/or minimize ABSD!
- 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?
Need help on avoid/minimize your ABSD?
Q : Is it possible to own 2 properties without incurring Additional Buyer Stamp Duty (ABSD)?
Q : And now, what Is Decoupling then?
Need help on decoupling?
Q : I own an HDB which is coming to 5 years/more than 5 years, what should I do now?
Q : I own a private property, what is next in line for me?
Q : Do I have to pay you any consultation fees or any hidden cost involved?
Read on to find out more about our successful decoupling case studies for both HDB & Private owners INCLUDING OURS !
Case Studies
Before we began sharing our clients’ journeys, we thought—why not start with our own? After all, nothing is more convincing than hearing from someone who’s been through it themselves. We’ve walked the path, and we’re here to walk it with you.
Here’s our real, personal story—how we successfully decoupled and planned ahead to maximise savings for rainy days and retirement.
We’re now in our late-30s. Like many young couples, we got married early and followed the typical route by purchasing our first home: a 4-room HDB Build-To-Order (BTO) flat in Hougang. Back then, our mindset was shaped by conventional advice—“make full use of what the government offers.” That was before we entered the real estate industry.
Fast forward 8 years (including 3 years of waiting for the flat to be built and 5 more to hit the Minimum Occupation Period), we sold our home. Naturally, people asked: Why sell? Isn’t it better to fully pay off and be debt-free? Why let go of a home with such a great view?
We understand—HDB flats are often seen as prized assets or a “safety net.” But after gaining industry experience and doing our own research (which we’ll be sharing with you), we began to see the hidden opportunity costs—the missed chances to grow wealth while saving. We’ve met many clients who, despite having a fully paid home, found themselves short on funds for retirement. That concerned us.
So, after careful consideration and weighing our risks, we took a leap of faith. We sold our flat—and today, we proudly own two private properties in Singapore’s Rest of Central Region (RCR) and Core Central Region (CCR)—without incurring ABSD.
Of course, every person’s journey is unique, and comfort levels vary. That’s why we’re here—to have real conversations and help you explore your options confidently.
Today, we own two private properties
and have a clear plan in place for a secure retirement.
Of course, we understand that some homeowners may choose to retain their HDB flats—and for good reasons:
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A preference for larger living space to accommodate family needs
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Specific family circumstances
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Sentimental attachment to their home
We completely respect these choices, and the good news is—we can still help. It’s possible to retain your HDB and purchase a private property with minimal ABSD, depending on your situation.
That said, every case is unique. Let us assess your circumstances and explore the best strategy for you.
Leave your contact below and we’ll get in touch to check your eligibility!
From One Home to Two Home – Secure Your Future.
Leave a Legacy.
Mr and Mrs Ho currently own a private property and were keen on purchasing a second one—attracted by its location and future potential. However, Mrs Ho had a strong emotional attachment to their current home and was reluctant to let it go. At the same time, they were mindful of avoiding hefty Additional Buyer Stamp Duty (ABSD) costs.
We took the time to sit down with them, carefully assess their financial standing, and more importantly—understand their personal goals and long-term objectives. With that clarity, we shared market insights, potential growth opportunities, risk considerations, and options that could offer both flexibility and security.
After weighing their options, they felt confident that decoupling their existing property while purchasing the new one concurrently was the most suitable approach. This allowed them to retain their beloved home, avoid ABSD, and make a forward-looking move in their property journey.
That said, every homeowner’s situation is different. It all depends on your comfort level and financial goals. If you’re exploring your options, we’re always here for a no-obligation chat to guide you forward.
Today, Mr & Mrs Ho proudly own 2 private properties – retaining their home,
while building savings for their children & retirement.
If you strongly believe in the long-term strength of the Singapore property market and currently hold two or more properties, you might be wondering: Is it still possible to acquire another property without incurring hefty ABSD?
The answer is yes—with the right strategy in place.
One of our clients, a mother-and-daughter pair, jointly owned two properties. They were keen on adding a third—a 1-bedroom unit purely for investment. Through our professional guidance and careful planning, we helped them restructure their ownership within the existing properties, allowing them to secure a third private property in a prime location—all while significantly reducing their tax exposure.
This was possible because of strategic asset reshuffling, and more importantly, a clear understanding of their goals and financial standing.
With the right method, you too can optimise your portfolio and potentially save tens of thousands in taxes.
💡 Every case is unique—so let us assess your situation and walk you through the possibilities.
From 2 to 3 – our clients now successfully own 3 properties!
We Would Love To Clear Your Doubts!
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**Pictures shown are for illustration purpose only**
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