Need Help On Decoupling/To Avoid Hefty ABSD?

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    Matthew and Jasmine have more than 20 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$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!


    * 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!
    Read More

    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

    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.

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

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    Of course, we understand that some homeowners may choose to retain their HDB flats—and for good reasons:

    1. A preference for larger living space to accommodate family needs

    2. Specific family circumstances

    3. 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. 

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

    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.  

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

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    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!

      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**

      What Our Clients Said

      Kelvin Phua
      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
      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
      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
      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
      Matthew and Jasmine were always responsive and willing to go to the extra mile. Was very pleased with their services.
      Jeremy Sng
      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
      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
      Professional, practical, perfect duo. Nothing stop them from giving their best to help the owners.
      Serin Hvmzvh
      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
      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
      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
      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
      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
      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.