You Only Get One Property Window.
Use It Right.
About Avenue 88
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)
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 Years Old
Study, save, start working
25 - 30 Years Old
Apply and wait for BTO
30 - 35 Years Old
Serve 5 years MOP
35+ Years Old
Kids, school plans, space crunch
At 35, the clock is ticking...
If you don’t act by 45–50, upgrading becomes difficult.
Loans get smaller. Options get fewer.
Income, Age and Max Private Property Price (75% loan)
The table above illustrates how the age and income will affect the loan amount and your private property purchase price.
Market Insight – The Hidden Opportunity
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.
* Flash estimates Source: HDB, URA, Huttons Data Analytics (data downloaded on 1 Apr 2025)
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 with without extra cash
John Smith
Young family moved closer to top primary school and grew their asset value
John Smith
Parents secured retirement by unlocking gains from their HDB
John Smith
Who are we – Your Property Adviser
We are Avenue 88
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
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5000+ Customers served
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Experts in HDB-to-Condo transitions & upgrading strategies
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In-depth knowledge of Asset Progression, Property Financial Calculation and school proximity planning
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Track record of 5-star reviews and repeat clients
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Transparent advice. No pushy sales. No surprises
Working With the Best Clients and Partners
We are a team of real estate agents with experience in HDB and Private property transactions
Our Mission
Help property owners like yourself understand your position in the market and make the best move to achieve your goals. - “Smart upgrade, small outlay".
Our Website
WhatsApp me
+65 9835 8724
Build your property progression with our ASCEND Framework
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
S
Strategic Property Selection
C
Cash Flow Optimisation
E
Expert Market Analysis
N
Negotiation Strategy
D
Data-Driven Decision Making
Free 1-on-1
Upgrade Assessment
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