Most people assume upgrading successfully is about having enough money.
It’s not.
The families who regret their upgrade usually had the funds. What they didn’t have was a clear strategy before they started.
So they ended up:
Meanwhile, the families living comfortably in their dream condos? They made virtually the same amount of money. They just had something the others didn’t: a personalized roadmap before they committed.
What You Actually Need (and what this consultation provides)
Most agents will show you condos. I’m going to show you something more valuable: your complete upgrade blueprint.
Here’s what we’ll map out together in our session:
Your Financial Reality Check Not just “can you afford it?” — but “can you afford it comfortably while still living the life you want?” We’ll look at the full picture so you’re never financially stretched.
Your Perfect Timing Strategy Should you sell first or buy first? The answer depends on your specific situation. We’ll determine which path protects you from unnecessary fees and stress.
Your ABSD Game Plan Some people can avoid it entirely. Others need to pay it upfront but can get it back. We’ll identify your exact strategy so you don’t waste money.
Your Loan Optimization Blueprint How much can you actually borrow? How do you structure it to maximize your options without overcommitting? We’ll calculate this based on your real numbers.
Your CPF Master Plan Use too much CPF now, and your retirement suffers. Use too little, and you’re burning cash unnecessarily. We’ll find your optimal balance.
Your Complete Timeline From deciding to move to collecting your keys, you’ll know exactly what happens when, why it matters, and what to watch out for.
No more guessing. No more contradictory advice from friends and forums. Just a clear, personalized plan you can execute with confidence.
After This Session, Here’s What Changes
You’ll stop feeling confused and start feeling certain.
You won’t be wondering “what if” anymore — you’ll know exactly what to do next.
You’ll have:
→ A clear yes or no on whether now is your optimal timing (or if waiting actually serves you better)
→ Your exact next three steps, in the right order, with specific timelines
→ Confidence that you’re not missing hidden costs or making amateur mistakes
→ Peace of mind knowing your upgrade enhances your life instead of straining it
You’ll finally be able to move forward — or consciously decide to wait — without that nagging anxiety that you’re missing something important.
The Cost of Waiting vs. The Cost of Guessing
Every week you spend in indecision is a week you could be:
But here’s the thing — rushing in blind is worse than waiting.
The worst scenario isn’t taking your time to get it right. It’s moving forward without clarity and ending up with expensive regrets.
One conversation now could save you months of stress and thousands in avoidable mistakes.
Let’s Get You Clear on Your Next Move
Book Your Complimentary 45-Minute Strategy Session
No sales pitch. No pressure. Just honest guidance tailored specifically to your situation.
Whether you walk away ready to upgrade tomorrow or deciding to wait another year — you’ll walk away knowing it’s the right decision for you.
[CLAIM YOUR COMPLIMENTARY SESSION]
Conducted via Zoom at a time that suits you. Limited slots available each week.
What Other HDB Upgraders Discovered in Their Sessions
“I was about to sell my HDB first because everyone said that’s the ‘safe’ way. Turns out, for my situation, buying first would have saved me six months of rental and moving costs. So glad I got proper advice.” — Mr and Mrs Seetoh., upgraded to Tampines condo
“We thought we had it all figured out from YouTube videos. Roy Chong session revealed three mistakes we were about to make that would’ve cost us easily five figures. Worth every minute.” — Janet Tan, upgraded to Tampines EC
“The biggest value? Peace of mind. My wife and I were arguing about timing. Now we’re on the same page with a clear plan we both trust.” — David L., upgraded to Bishan condo
Your Questions, Answered
“Is there really no obligation?” Correct. This session is about giving you clarity, not getting you to sign anything. If we’re a good fit to work together later, great. If not, you still walk away with valuable insights.
“I’m still a year or two away from upgrading. Is this too early?” Actually, that’s the perfect time. Most costly mistakes happen because people didn’t plan early enough. Getting clarity now means you can position yourself optimally for when you’re ready.
“What if my situation is too complicated?” Complicated situations are exactly why this session exists. Whether it’s CPF complexities, joint ownership issues, or income concerns — we’ll untangle it together.
“How is this different from a bank appointment?” Banks tell you what you can borrow. This session tells you what you should borrow and how to structure your entire upgrade strategically. Completely different conversation.
Your Upgrade Doesn’t Have to Be Overwhelming
You’ve already accomplished the hard part — building equity in your HDB and reaching a financial position where upgrading is even possible.
Now you just need the right guidance to do it intelligently.
One conversation. Forty-five minutes. Complete clarity.
[BOOK YOUR SESSION NOW]
P.S. — The families who regret their upgrade all say the same thing: “I wish I’d talked to someone before I started.” Don’t let that be you. Get clear first. Decide later.
