Your first move can shape your entire property journey
One wrong step could cost you years — or thousands of dollars, while a right move could help you accumulate wealth and experience financial freedom.
There is a window now, make informed choices before the door closes for good. Find out how we have helped more than 5000 homeowners upgrade their property with our proven and trusted ASCEND FRAMEWORK - Smart Upgrade, Small Outlay (SUSO)
5000+
Positive Transactions
2800+
Happy Families
15
Years Avg Experience
Happy Homeowners, Smiling Faces
Join thousands of satisfied families who've trusted us with their property journey
Your Property Journey Is Tied to Time. Don't Let It Slip.
The average Singaporean lives about 29,200 days. And yet, most of us only start building real property wealth after 30, with less than half of our timeline left.
Here's a typical timeline:
🎓 7–25: Study, save, start working
Building foundation for future property ownership
🏠 25–30: Apply and wait for BTO
First property milestone with waiting period
⏳ 30–35: Serve 5 years MOP
Minimum Occupation Period before next property move
👨👩👧 35+: Kids, school plans, space crunch
Growing family needs with changing property requirements
At 35, the clock is ticking.
If you don't act by 45–50, upgrading becomes difficult.
Loans get smaller. Options get fewer.
The table above illustrates how the age and income will affect the loan amount and your private property purchase price.
Why Waiting Might Cost You More?
By comparing the Property Price Index (PPI) between HDB and Private Property over the past years, you will notice there are some years where the gap to upgrade would be wider than others.
The price gap is widening — HDB prices have grown at a slower pace compared to condos, creating a disparity and this makes asset progression harder if we continue to wait.
Smart Families, Smart Upgrades
Most think upgrading means forking out more cash. But smart families use their existing property value and financing leverage—to upgrade, grow their net worth, and secure their retirement.
Here are just a few case studies which we have helped them.
"3 families. 3 different goals. 1 common result — they all upgraded without burning their savings."
👩👩👧 BTO couple upgraded to a 3-bed condo without extra cash
James and Michelle, both 35, were living in their BTO flat in Punggol for 5 years. With their growing family, they needed more space but were concerned about the financial implications of upgrading. Through our ASCEND framework, we helped them leverage their existing property value and secure favorable financing terms.
"Avenue 88 made what seemed impossible, possible. We upgraded to a beautiful 3-bedroom condo near our parents without depleting our savings. Their financial planning was impeccable."
- Michelle Tan, Software Engineer
We are Avenue 88 — and we Make This Transition Simple.
We are a team of real estate agents with experience in HDB and Private property transactions.
Trusted by Over 5000 Customers — Because Every Move Matters
5000+ Customers served
Helping Singaporeans make smart property moves
HDB-to-Condo Experts
Specialized in upgrading strategies
Asset Progression Knowledge
Financial calculation & school proximity planning
5-Star Reviews
Track record of excellence and repeat clients
Our mission is to help property owners like yourself understand your position in the market and make the best move to achieve your goals.
"Smart upgrade, small outlay."
Build your property progression with our ASCEND Framework
ASCEND: Your Strategic Property Elevation Blueprint
Why ASCEND? Elevate your property journey with our proven ASCEND methodology - where every step takes you higher on your wealth-building ladder. We ensure all grounds are covered professionally and effectively!
A
Asset Analysis & Appreciation
We conduct a comprehensive analysis of your current property's value and potential, identifying the optimal timing for your upgrade to maximize returns.
S
Strategic Property Selection
We help you identify properties with the best growth potential, considering factors like location, development plans, and school proximity.
C
Asset Analysis & Appreciation
We create a personalized financial plan that minimizes your cash outlay while maximizing your property investment, ensuring sustainable monthly commitments.
E
Expert Market Analysis
Our team provides in-depth market insights, helping you understand current trends, future projections, and the best timing for your property moves.
N
Negotiation Strategy
We leverage our extensive experience to negotiate the best possible terms for both your sale and purchase, maximizing your financial advantage.
D
Data-Driven Decision Making
All our recommendations are backed by comprehensive data analysis, ensuring you make informed decisions based on facts rather than emotions.
We will personally assess your current HDB and walk you through all options — no hard selling, just clarity.
Get Your Personal Upgrade Roadmap
Fill out the form below and our property experts will contact you for a free, no-obligation consultation.
Prefer to reach us directly?
Your trusted partner in property upgrading and asset progression in Singapore.
Contact Us
88 Robinson Road, #14-01, Singapore 068898
+65 9876 5432
Mon-Fri: 9am-6pm, Sat: 10am-2pm