Buy Your Next Property with Property investment Consultant in Singapore

Affordability is not just the monthly mortgage. It is the total stack: downpayment, Buyer's Stamp Duty, Additional Buyer's Stamp Duty if applicable, legal fees, valuation fees, agent fees on the sale side if you are upgrading, renovation, and a 6 to 12 month liquidity buffer for emergencies. Able will work through the full picture with you before recommending a price band, not just the loan amount your bank approves.

No. New launch has progressive payment, often a longer holding period before income or resale, and pricing that already builds in developer margin. Resale gives you immediate yield potential, known maintenance history, and a track record of transactions in the development. Each has its place. The right choice depends on your timeline, your tax position, and whether you are buying to live in or to hold. Able will walk you through both for your specific case.

Buyer's Stamp Duty, Additional Buyer's Stamp Duty if it applies to your profile, legal fees, valuation fees, mortgage insurance, fire insurance, MCST contributions for condos, possible renovation, and the buffer you should be holding for the first 12 months. Add roughly 5 to 7 per cent of the property price for transaction costs alone, more if ABSD applies. Able will give you a clean spreadsheet before you commit.

For most resale residential transactions in Singapore, the seller's agent covers the buyer's agent commission via co-broking. Practically that means having an agent on your side often costs you nothing direct. New launch developers also typically pay the agent commission. Able will tell you upfront what the arrangement is for your specific situation. Where there is a fee, it is discussed and agreed before any work starts.

View enough to calibrate the market, not so many that decision fatigue sets in. For most buyers, 6 to 12 well-chosen viewings in the right segment is more useful than 30 random ones. Able will shortlist based on your real criteria, not just whatever is on the market that week. Quality of viewings beats quantity.