A stress-tested, numbers-based read on your upgrade budget — using the actual TDSR, LTV and stamp-duty rules, not a sales pitch.
Built by Lucas Ang, CEA-licensed ERA advisor (R071020C), MSc in Asset & Wealth Management, 8 years in banking.
TDSR at 55% with the 4% stress floor, tenure capped by your age, 75% LTV, and the full BSD/ABSD bill — the same constraints your banker applies.
Sell-first and buy-first give very different answers. The tool shows you why — including the ABSD you'd front and the funds you'd lock up.
Get the read, keep the report, and only book a call if it's genuinely useful to you.
Indicative only — a rigorous starting point, not financial advice.
Indicative estimate from the figures you entered, using simplified assumptions (average buyer age; standard 75% LTV; excludes MSR, SSD, CPF accrued-interest split, bridging costs, lender-specific policies). Not financial, mortgage, or investment advice, and not an offer or guarantee.
I'll personally review your numbers and send your full report within 24 hours.
Want the fastest response?
I’ll prepare a full valuation report for your unit — free, no obligation.