Singapore Property Decoupling Specialist

Dedicated Legal Team for Decoupling Property

CEA Licensed Realtor and Mortgage Specialist

End to End Management of Decoupling Process

Over 200 Research Article Published

Micro Services to help you take the next step in decoupling

Decoupling Cost Calculation

Customised financial calculation to determine cost of decoupling, cash, CPF and loan required.

Decoupling Legal Q&A

Speak to a decoupling lawer. Seek legal affirmation on next steps. Clarify legal questions.

Loan Restructuring

Understand what will happen to your outstanding loan after decoupling. Devise strategy to unlock capital from your current property.

ABSD Minimisation Strategy

Revisit your plan at a high level consider all methods to minimise ABSD when purchase a second property

2nd Opinion Review

Set on executing a property purchase. Seek a second opinion to assess if there is any risk or better opportunity

Investment Property Research

Outsource the heavy lifting. Share with us your budget and criteria and receive a curated shortlist.

Derive Value from Our Research Hub

As a boutique consultancy we pride ourselves for our detailed, objective and databacked research towards addressing our client’s investment objective. Refer to our library of analyst grade research publication for more insights on your next steps

Latest Guide to Decoupling Property Singapore
Explore the in and outs of decoupling. Consider whether you should decouple or pay ABSD ...
Can I book a new launch condo first before decoupling my current property

Introduction What you are reading is a documentation of our response to several reader questions ...

Should I upgrade to a bigger property or should I buy a second property ?

Introduction To develop a meaningful discussion here, one with depth and free from generic information ...

Decouple EC
In this article, we will deep dive into the topic of how you can consider ...
hdb occupier buy private property
Discuss details of how HDB occupier can purchase 2nd private property. Explore risk and benefit ...
Buying property using your child’s name
We understand that some of you could be in the unique position where you have ...
9 Ways To Avoid ABSD Legally In Singapore
In this article, we will seek to cover all the available methods to avoid ABSD. ...
transferring property as a gift
In this article, we will specifically address the 5 key disadvantages of transferring property as ...
How to ensure decoupling transaction is genuine

Why This Article Is Written This article specifically examines what it means for a decoupling ...

Decoupling Property by Sales and Purchase vs Gifting

Introduction One common question that arises for property owners who have fully paid off their ...

Is decoupling property legal in Singapore ?

Expert Reviewed Insights with Partnering Lawyers This article is informed by multiple credible sources: All ...

Best Property Lawyers for Decoupling Property in Singapore
In order to avoid paying ABSD (Additional Buyer’s Stamp Duty) on the second property, you ...
7 Options to consider when BTO MOP
This article will seek to discuss all possible options available to a BTO owner, when ...
sell one buy two property investment strategy
A complete guide about the Sell One Buy Two strategy. Includes all key factors to ...
Should I sell my HDB and Buy a Condo in Singapore ?

The Big Question for Every HDB Owner Should I sell my HDB and buy a ...

Industrial Property Investment Singapore

Introduction Investing in industrial real estate is a niche that has garnered significant interest amongst ...

Which Neighbourhood is best for private condo investment in Singapore

Who is this article specifically written for ? This article is specifically written for investment-minded ...

Condos within 1km of Catholic High
Read before viewing. Article for motivated parents shortlisting best properties around Cat high primary. Highlighting ...
condo near rosyth primary
This article focuses on helping prospective buyers understand the pros and cons of the different ...
Nan Chiau Primary School
This article is created with the intent of being a pre read for you before ...
How to make 500k investing in resale condo

Introduction Significant coverage has been given to new launch investing. We are guilty as well, ...

The Investor’s Guide to Investing in 2 Bedroom Condos In Singapore

Introduction After a good three years of answering readers’ and clients’ questions, we felt compelled ...

Best Resale Condo In Singapore

New launch condo has always been the focal point of most content coverage in the ...

Buying resale ec
This article focuses on finding out if it is profitable to buy into a resale ...
How to Choose the Best New Launch Condo in 2026

What is unique in the 2026 new launch condo landscape? #1 – Less obvious winners ...

How much do you need to invest in a new launch condo in 2026 ?

The cash, cpf, minimal salary requirement you will need to invest in a 2026 new ...

Can CCR Condos Be Profitable Again?

Introduction For many property investors today, investing in a CCR condo feels like a losing ...

when should i sell my new launch condo

The key consideration on your mind … The fact that you landed on this article. ...

Are 1 bedroom condos still a good investment in 2026 ?

Introduction As a primer, we operate a consultancy which specialises in helping investors procure 2nd ...

how to own cash flow positive property in Singapore

Introduction The fact that you even search for the term “cash flow positive property”, meant ...

Properties with highest rental yield in Singapore

This article was inspired by the questions that came in recently from our readers. They ...

best place to buy a rental property
In this article, we seek to dissect the Singapore real estate landscape into its specific ...
real estate investing for retirement Singapore

Introduction No one enjoys being held beholden to a boss, whether you like your job ...

how to use home equity to buy another house

Introduction It’s not common for Singapore property owners to research this topic.  You belong to ...

can i inherit private property if i own a hdb

Introduction Property inheritance is a sombre topic, it usually comes after the unfortunate demise of ...

how to spot the next en bloc

The business case for owning condo with En Bloc potential  Before we begin, it helps ...

Our track record

278+ client

Decouple & purchase their 2nd property

2.4mil +

Cost saved by our client

$350k +

Average capital appreciation for investment property purchased by our clients

1,000 +

Consultation Rendered

Meet Our Team of Decoupling Specialist

We build our team and processes to help our client achieve their property goals via decoupling property

Jue Wen

Jue Wen is the property analyst and content marketing lead at decoupling expertise. He had over 10 years of experience in real estate investing and have written over 40 detailed guides on decoupling and minimising ABSD.

Kenji

Kenji specialises in helping customers minimise ABSD when acquiring their 2nd investment property. Over 15 years of his career as a realtor, he has developed a specialised knowledge in property decoupling helping over 278 clients successful purchase their 2nd property via decoupling.

Lucius Chua

Lucius Chua

Lucius specialises in providing advisory and consulting services to real estate investors looking to own multiple properties in Singapore without ABSD. His expertise lies in the sourcing of high rental yield property geared towards creating passive income and purposed for succession planning.

Decoupling Consultant - Michele Guan

Michele Guan

Michele specialises in investment property research. Her strength lies in helping investors shortlist investment properties with the optimal capital appreciation potential. Her emphasis on data driven research, coupled with on ground expertise have assisted multiple clients in the purchase of their 2nd property.

DE Legal - Dedicated Decoupling Lawyers

Decoupling Expertise works with a curated network of specialist conveyancing lawyers who handle all legal execution for our clients. As CEA-licensed decoupling consultants, we administer your decoupling end-to-end, from strategy through to legal completion.

Conveyancing Lawyer at BR Law

Daryl Ong

Daryl Ong is a Singapore-qualified lawyer and Senior Associate at BR Law Corporation, specialising in complex conveyancing transactions such as part-share decoupling and the purchase of property in trust. Called to the Bar in 2021, he contributes actively to key Law Society committees focused on conveyancing practice, cybersecurity, and IT governance.

Decoupling Property Lawyer Mona Lee

Mona Oei

Mona Oei is a seasoned real estate lawyer and Managing Director of Golden Law LLC, bringing over 30 years of extensive experience in Singapore conveyancing. She specialises in complex property matters, including fractional purchase decoupling, commercial and private property acquisitions, and mortgage restructuring. Recognised among Singapore’s top conveyancing practitioners, Mona is committed to delivering meticulous, high-standard legal execution for every client.

DE Mortgage - Specialists with Direct Bank Relationship

Decoupling Expertise’s mortgage specialist works directly with mortgage teams at DBS, OCBC, UOB and Standard Chartered

Mortgage Specialist

Chloe Tan

Chloe is Decoupling Expertise’s dedicated mortgage specialist, working directly with home loan teams at DBS, OCBC, UOB and Standard Chartered. She focuses exclusively on mortgage restructuring for decoupling transactions, formulating the most cost-efficient financing structure for clients acquiring their second property.

Customer Testimonial

Angel Tan J Lyn
Owner - Waterbay EC and Reef at Kings Dock
Thanks to the quick and efficient work from the Decoupling Expertise team, me and my husband were able to decouple our EC once it MOP and acquired another 2 bedroom unit in a new launch development as an investment property. Throughout the decoupling process the stayvesting agents were very patient in guiding us through the complicated and nerve wrecking financial planning process. Before even taking any action we were able to have a clear idea of how much we need to decouple and purchase our second property
Gavin M
Owner - Riversail Condominium and Florence Residences
Appreciate the detailed financial calculations that the Decoupling Expertise team have put in for me and my wife. We were not having a clear picture of how much we need to decouple and purchase our second property when we were working with our first agent. The stayvesting agent helped us plot out everything in detail on a spreadsheet and work out exactly how much we need to make our move to purchase our second property.
Joseph Chee Yang Wei and Cheryl Tan YL
Owner - The Gardens Residences and J’den New Launch
We didn't start off with the intention to own our second property. But over the course of working with the Decoupling Expertise team, Me and wife learnt a lot about decoupling and eventually got the stayvesting folks to help us decouple our current property and purchase another new launch development. We really appreciate the effort put into helping us shortlist units and developments that have future appreciation potential.
Andrew Chong
Owner - Jadescape and Penrose
Kudos Decoupling Expertise team, keep up the good work ! Appreciate the quick turnaround in 2 weeks. Found a unit that caught my attention in Penrose, hopped on a call with a Stayvesting agent and managed to get my unit decoupled in 2 weeks with minimum legal fee.
Jenn Teo Li Ling and Malcolm Wong
Owner - Twin View and Sky Vue
Appreciate the detailed explanation of the decoupling timeline, it helped take note of the fact that our CPF will take additional 2 weeks to be refunded after decoupling. With this, we are able to avoid taking up any bridging loan for our second property purchase.
Sameul Boey
Owner - Reserve Residences
Thanks for the insights, enjoyed the consultation sessions, was able to get a very clear idea of the different method that we can applied to minimise ABSD on our first and second property as a PR in Singapore.

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Jue Wen

Author

Jue Wen is the property analyst and content marketing lead at decoupling expertise.
He specialises in helping clients overcome the complexities involved in owning their second private property in Singapore.
He had over 10 years of experience in real estate investing and have written over 40 detail guides on decoupling and minimising ABSD. He is a licensed real estate consultant and holds a Bachelor degree in Business Management from the Nanyang Technological University.

Kenji

Co-Author

Kenji is the Group Division Director of ERA Realty Network.
He have got over 20 years of experience in real estate and have successfully helped over 50 couples purchased their second property. He specialises in helping client achieve the best approach towards acquiring their ideal investment properties while minimising ABSD.