Our decoupling property services in Singapore are built for investment minded property owners who want a structured, end to end solution to implement the entire property decoupling process.
Instead of coordinating lawyers, bankers and agents on your own, you work with a single team that aligns legal, financing and investment property research decisions into one coherent plan.
If you are still new to the basics of decoupling property in Singapore, start with our main legal‑first guide, then return to this page to see how our services support each step.
Potential questions that you may like to clarify
Pressing questions that you need clarification and reaffirmation before taking the next steps.
- Is decoupling legal ? How can I ensure that it remains above broad.
- What is the cost of decoupling ? How can I minimise it.
- Will transferring of share via gifting be a better option than decoupling ?
- Will my spouse income be sufficient to fund purchase of my share’s during decoupling ?
- What is the best 2nd investment property I should consider with my current budget ?
Problems You Face When Planning to Decouple Your Property
When searching for a solution to clarify your doubts and execute your next steps towards decoupling, you will potentially face the following problems. Fragmentation in expertise and service solutions is the key challenge that you will face.
- Absent of an end to end solution that will take you from financial calculations, to legal execution, to investment property research.
- Transactional focused realtors overly focused on driving immediate transaction, instead of emphasising on research to ensure long term profitability of your investment.
- Challenges with managing multiple aspects of the decoupling process yourself, from timeline management, financial calculation, legal execution to 2nd property research.
Quick intro – Decoupling Expertise
This could be the first time you are reading an article on Decoupling Expertise, allow us to quickly introduce ourselves.
We are a team of specialist consultants that specialise in decoupling property in Singapore.
To deliver a specialised end to end solution targeted at helping investment minded property owners purchase a 2nd property without ABSD.
We seek to develop a strong cross discipline expertise that span across, investment property research, financial and mortgage advisory and legal advisory to address the key challenges that a property owner would face when purchasing a 2nd property.
Decoupling Property Services built to address these problems
Having an intimate understanding of the challenges on hand, we built an end to end, cross expertise Decoupling Property Service to address all of these challenges.
Our service processes and modules are as follows.
ABSD Minimisation Strategy Exploration Consultation
This is a consultation module that takes us back to 1st principal. Your key goal is to minimise ABSD and there are several methods to achieve this outcome.
In this session we will first take in your investment objectives, current and future financial situation, names and property ownership within the family nucleus and determine if decoupling is the best option for you.
Alternative strategies to decoupling that some of our readers have taken after this session includes the following.
- Selling existing condo to purchase 2 private condo held solely under 1 name.
- Taking an interim step to upgrade to a bigger property with a 99-1 tenancy in common structure.
- Purchasing 2nd property under child’s name instead of decoupling.
- Transferring of shares via gifting instead of decoupling.
- Staying status quo. Assuming we were to assess that you are not financially ready to do so.
Decoupling Financial Calculation
This is a numbers centric session that focuses on working out all the key numbers that you will need to help you assess how much financial resources you will need for decoupling.
In this session we will cover the following deliverables.
- Calculating cost of decoupling.
- Calculating the cash, cpf and additional bank loan that you will need to execute decoupling.
- Calculating the cash and cpf proceeds that you or your spouse will receive after decoupling.
- Determining your budget for 2nd property purchase.
By the end of this session, you would have a clear idea of the funds you need to execute this process and what is the maximum budget you will have for your 2nd property.
Legal Consultation and Execution
This is a module where we seek to address all legal considerations pertaining to the decoupling process.
There are two parts to this process. The first being a preliminary consultation with us to address all basic legal procedural considerations pertaining to decoupling.
The second being a more formal and in depth session with our partnering Decoupling Lawyer to address unique situations that require special legal attention.
Deliverables for the service module will be as follows.
- Address the legality of decoupling.
- Highlight potential red flags that may compromise legality.
- Share and ensure best practices pertaining to a sustainable and above broad execution process.
- Legal execution of the decoupling process.
When it comes to legal execution, we seek to provide our readers with direct interaction with our partnering lawyer himself. You will not be relaying messages via legal secretaries to reduce down time.
Outcome: You walk away with a legally robust decoupling structure, reviewed by an independent conveyancing lawyer, so you know exactly what you are signing and why.
Financing and loan solutions
Normally, you will need to manage the interactions with several parties independently to get things done. You would need to coordinate the flow of information derived from your financial calculation to several bankers to get your mortgage settled.
We seek to make the process seamless, connecting our decoupling financial calculation service to our dedicated mortgage advisory partner.
Outcome to be expected
- Swift In principle loan approval for mortgage pertaining to current property and 2nd property.
- Loan quantum expansion strategy and execution.
- Reverse mortgage solutions when necessary.
- Shortlisting of lenders with best rates and features that are investor friendly.
Investment Property Research Solution
While executing on the transaction to purchase a property can be done effectively by most realtors in Singapore.
We are able to take this to the next level due to our dedicated focus on helping owners procure investment property.
We break our process into 3 components
- Head knowledge.
- Tailored strategy – 1st consult.
- Ground knowledge – 2nd to 4th consult.
- Unit selection, negotiation, execution.
Before diving further, starting upfront. We focus on value adding and delivering upon our service proposition over transaction.
We believe in only taking up a client engagement only when we can add significant value.
Having said that, there is no sales obligation to work with us, until we mutually identify value in the partnership.
#1 – Head Knowledge
We believe in sharing information freely without holdbacks. We express and deliver this service component through our extensive library of detailed, data back and well researched articles written by our analyst.
#2 – 1st Consult
In the 1st tele consult we will take in all necessary background information specific to your investment goals and financial situation.
The goal is to establish an investing framework tailored for you. It should cover the property type, bedroom type, location, target exit buyer and holding duration.
#3 – Ground Knowledge
From our experience it takes more than framework and head knowledge to get the job done when sourcing for a good investment property.
Specialist consultant – Not salesman
Ground work is equally important. Our goal in the investment property research and shortlisting process is not to be a sales person to convince or pitch you into buying a property.
We would much prefer being an objective consultant and researcher, equipping you with the right head knowledge and on-ground viewing exposure to facilitate you in making your own decisions.
The Ground Knowledge session comprises the following.
- 3 days x 2hr session.
- 1 to 1 introduction to key investment location and development in Singapore.
- A curated selection of new launch development or resale development depending on your selection criteria.
- Cover development investment thesis, physical appreciation of what future exit buyer is looking at and actual unit layout and stack review.
The goal is to build up your own pattern recognition abilities to discern a good investment property on your own.
#4 – Shortlist and Execution
The last module in our investment research service consists of a shortlisting and execution process. As part of this process we seek to deliver the following outcome.
- Shortlisting unit to consider.
- Negotiate for optimal entry price.
- Managing timeline and finances to ensure smooth execution.
Outcome: You shortlist second‑property options that match your budget, risk profile and Investment horizon.
Schedule a non obligatory 1st consult
Drop us a whatsapp text, to have a quick chat to clarify immediate questions that you may have.
Cost of Decoupling Property Services
Cost of service is a frequently asked question. There is no upfront cost for our consultancy services, we are remunerated only when you secure the purchase of your 2nd investment property.
Legal advisory and execution fee is priced separately subjected to the technical intricacy of your case.
Micro Services to handle immediate Decoupling needs
Having specialised in decoupling for some time, we understand that there are property owners that are looking for micro solutions to address their immediate needs. With that in mind we have created the following low touch micro services to address these use cases.
2nd Opinion Service
Initiate a discussion via whatsapp to seek 2nd opinion on your plans. Readers and property owners have used these micro services to confirm their thoughts on investment property consideration, decoupling process and existing agent’s recommendation.
Given that this is a lite service, feel free to utilise it even if you already have an agent representing you. We will be happy to drop you quick pointers to confirm the validity and investment upside and downside to your plan.
Decoupling Q&A
Micro services for quick response to any pressing decoupling questions you have got top of mind. The service is manned by an analyst that will serve as the first line of expertise to address all immediate questions.
Investment Property Review
Lite service for property investors. Simply drop us a text of the development name, bedroom type, budget and investment goal. We will revert with a simple review of upside, downside, price catalyst and risk for this property selection.
Decoupling Lawyer Recommendation
This micro service is built for DIY property owners that are looking to manage the process by themselves and simply need to be connected to proven decoupling lawyers that fit their criteria.
Sample of our work
We strongly believe in documenting our client engagement using long form articles. We see value in repurposing some of these actual challenges and solutions that our readers and clients experience into structured articles to add value to readers researching topics related to decoupling.
Guide to Decoupling Property and ABSD minimisation
- Decoupling Property Singapore – The Complete Guide
- How to buy second property in Singapore without ABSD ?
- Decoupling 99-1 – How does it work and how to ensure it is legal ?
Alternative strategies to Decoupling property
- Can I buy a house under my child’s name ? – Yes and How
- Should I upgrade to a bigger property or should I buy a second property ?
- 5 key disadvantages of transferring property as a gift
- The complete guide to “sell one buy two” property investment strategy
Legal and financial consideration for Decoupling Property
- What happens if divorce after decoupling property ?
- Who should be the party buying over shares when decoupling ?
- How much cpf should you use when decoupling ?
2nd Property strategies for HDB Owners
- HDB Decoupling is no longer Permissible – What are your alternatives ?
- HDB Essential Occupier Scheme – Buy 2nd Private Property
- Upgrade from HDB to Condo – Options, Profits, Steps
Reputable school based investment strategies
- Best Condos within 1km of Catholic High
- Best Condo within 1km of Rosyth primary
- Best condo 1km from Nan Chiau primary school
Value based investment strategies
- Buying resale ec – Is it profitable ?
- Spotting undervalue property in Singapore
- Is it good time to buy property in singapore
New launch focused investment strategies
- Profitability of New Launch Condo – Is it really profitable ?
- How to select a unit in a new launch condo ? – Profitable Strategies
- New Launch vs resale condo – which is better for Investment ?
Rental Income focused investment strategies
- Best place to buy a rental property in Singapore
- Are 1 bedroom condos a good investment ?
- Dual Key Condo – Is it really a good investment ?
Owner’s life cycle based investment strategies
- Real estatement investment for retirement in Singapore – Strategies and Considerations
- Should I buy Condo or HDB ? – As a Single
Passion for complex real estate challenges
We thrive in complex real estate situations. Other areas of our services includes the following.
- Property portfolio optimisation for owners planning for retirement
- Property inheritance and next steps consideration
- Structuring HDB ownership for future ownership of second property
- Alternative property investment – industrial and commercial property investing
- Property consideration in view of divorce
- Reverse equity loan to unlock equity from current asset
