David & Audrie · ERA Realty Network
Upgrading from HDB? Know what you can afford before you fall in love with a showflat.
We're David & Audrie. We wrote the book on making property decisions, and we'll help you make yours with real numbers, not sales talk.
- 100+ families served
- Authors of The W.A.T.E.R Property Blueprint
- ERA Realty Network
The system from our book
W.A.T.E.R
Wealth Accumulation Towards Early Retirement
Every decision we help you make, from your budget to the unit you pick, is tested against one question: does this move you closer to the retirement you want?
Your home should be building your retirement, not just housing you.
Sound familiar?
We don't know what we can actually afford.
Try the affordability calculator →Sell first or buy first? We're scared of getting it wrong.
Read: sell first or buy first →Is now the peak?
Every agent says their project is the best one.
From where you are to where you want to be
Right now
A dozen tabs, three agents' opinions, and a spreadsheet nobody trusts.
Where you want to be
One clear number, one shortlist, one plan.
The C.L.E.A.R process
How John & Sally upgraded without the guesswork
Clarity
Worked out their real budget: sale proceeds, CPF, loan limits. No guessing.
List options
New launch, resale or EC, shortlisted on their actual numbers.
Evaluate
Compared the shortlist on location, entry price and exit.
Align
Timed the sale and purchase so they never had to move twice.
Reinforce
Stayed with them after keys, reviewing the plan as life changed.
John & Sally are a composite case based on families we've helped.
In their words
“They made the whole renting process so smooth. We were new to Singapore and had no clue about tenancy agreements. David & Audrie explained everything clearly and even helped us settle in.”
Ana & Marcos
Tenants, Tiong Bahru
“If you need property agents who truly care, look no further than David & Audrie Properties. Their professionalism is top-notch, but what stood out most to me was their friendliness. They never once made me feel rushed, even though I had endless questions for them. Thank you for being so incredibly helpful!”
The Clique Podcast
Google review
“David & Audrie showed us options we never even considered, and helped us buy below market value in an area with upcoming transformation. Their breakdown of timeline and costs gave us total peace of mind.”
Jia Hui & Brandon
First-time condo buyers
“We never knew our HDB had so much potential. With David & Audrie's guidance, we upgraded to a condo and still had reserve funds, all while staying within TDSR limits.”
Joanne & Marcus
First-time upgraders, 30s
“David & Audrie helped us rent out our unit within a week, and even assisted with tenant issues months into the lease. They're professional, patient and proactive.”
Jonathan
Landlord, D15 2-bedroom condo
“We were so worried about timing and finances, but David & Audrie mapped everything out: sale, purchase, even the cash flow. We sold above asking and moved into our new home seamlessly, without financial stress.”
Kelvin & May
Sold and upgraded to an EC
A system that can say “not yet”. We've told families to wait, even when it cost us the commission. We'd rather you wait than buy wrong.
Read the story →Questions we're often asked
Can we afford to upgrade from our HDB flat to a condo?
Start with three numbers: what your flat sells for after the outstanding loan and the CPF you must refund; how much a bank will lend you, which TDSR caps at 55% of your income going to debt; and the cash and CPF you need for the 25% down payment and stamp duty. If all three line up with a monthly instalment you're comfortable with, you can. Our affordability calculator gives a first estimate, and we then check it against your actual figures.
Should we sell our HDB first or buy the condo first?
For most families we suggest selling first, or timing both together. Buying first usually means paying ABSD upfront (claimable back only if you sell the flat within six months), carrying two loans at once, and pressure to sell cheaply. Selling first gives you a firm budget; the risk is the gap in between, which we plan for before you list.
New launch, resale condo or EC: which suits an upgrader?
It depends on when you need to move and your cash flow. A new launch lets you pay in stages while you still live in your flat, but you wait three to four years for the keys. A resale condo lets you move soon but needs more cash at once. An EC costs less if you qualify (household income up to $16,000 for ECs launching now) and comes with a 5-year minimum occupation period. We compare all three on your numbers.
What if we buy at the peak?
Nobody can time the market reliably. What you can control is the price you pay against nearby transactions, a loan you can still hold if rates rise, and a clear exit. That's why we test every option on location, entry price and exit before you commit.
Will you push the project you're paid to sell?
No. We compare new launches and resale homes side by side on your numbers, and sometimes our advice is to wait. Our fee is agreed in writing before we start, as CEA requires.
Free: the Property Decision Checklist from our book
Ten questions to ask before you commit to any property. If one can't be answered clearly, slow down and look again.
Clear the fog before you sign.
A free, no-obligation Clarity Session with David & Audrie: your budget, your options and your exit, worked out on your real numbers.