A property is the biggest position most Singaporeans will ever take. We help you enter it like an investor: entry price versus data, total holding cost, and realistic exit scenarios, before you sign anything.
BTO, resale HDB, or first condo. We map grants, loan limits, and total upfront cash so the budget is real before the shortlist starts.
Upgraders
One integrated plan
Selling one, buying another. Sequencing, ABSD timelines, and bridging decisions handled together, not in silos.
Investors
Per unit, not per brochure
Yield, tenant demand, exit liquidity, and SSD windows analysed for the exact unit you are eyeing.
How we buy together
01
Numbers session
Budget ceiling from actual affordability: TDSR or MSR, cash, CPF, and reserves. We set a maximum before anyone falls in love with anything.
02
Shortlist with evidence
For every candidate: recent transactions, price trend versus its district, rental benchmarks, upcoming supply nearby, and lease profile. Our Analyzer series does the heavy lifting.
03
Ground-truthing
Viewings with a checklist: facing, stack position, afternoon sun, noise, layout efficiency. Data narrows the list, eyes confirm it.
04
Offer and negotiation
We anchor offers on comparable evidence and negotiate with a walk-away price fixed in advance. Discipline wins more than charm.
05
Paperwork to keys
OTP, exercise, loan and legal coordination, completion, and handover inspection.
Typical buying vs buying with HOMER
Typical
Budget = bank pre-approval
Shortlist = whatever is on the portals this week
Price check = asking prices of neighbours
Offer = an agent's 'market feel'
With HOMER
Budget = full cash flow model including stamp duties, reno, and buffers
Shortlist = screened against transactions, supply pipeline, and rental data
Price check = actual caveats, adjusted for floor and size
Offer = evidence-anchored, with a pre-agreed ceiling
Your next home deserves a second opinion. Get it before you offer.
Buyer strategy call: 30 minutes, your numbers on the table, no obligation.