Upgrade Your HDB to a Condo
Without forking out extra Cash from Savings
Proven Tried & Tested System backed by more than 15 years of Experience

Let us show you that it is possible:

Learn how to upgrade to a condo without forking any extra cash from your own savings or pocket

Learn how to upgrade to a condo yet with RESERVER FUNDS in Cash for rainy days

Learn how to upon upgrade to condo, having the sufficient funds for mortgage payment for next 3-5 years

Learn how to sell and buy your next property strategically

Grow your asset wealth progressively

Learn from an asset strategist with over a decade of experience

Grow Your Asset Wealth with our Strategies

Not ready? Why not consult us and get our free planning and consultation today?

Can I Really … ?

w Can I really upgrade without chunking out extra cash from own pocket?

w  I think it would be risky… What if I lost my job?

w  I don’t want to stretch my financial commitments…

w  Is now the RIGHT time to sell/buy?

w  Which condo should I choose?

My Experience & Strategies can address your CONCERNS

Learn How To Avoid The ‘Property Trap’ !

Most HDB owners NOT Aware…

Their ‘ASSET‘ that they are Pumping Their Hard-Earned Money Into… is fast turning into a ‘LIABILITY‘…

Did you know that if you are a proud HDB homeowner, there’s a high chance that you are currently holding on to a ‘Liability’?

Yes… No Joke!

Most people think that their hard-earned money is being pumped into an ‘Asset’ but little did they know that their lack of ‘insight’ can harm them financially in the long run.

In fact, the incorrect use of CPF could be steadily draining away your retirement savings as we speak!

Don’t let this ‘Hidden Trap’ hamper your ability to grow your property wealth!

gain CLARITY of your current situation NOW

What You Don’t Know About Your HDB Can Harm You Financially…

In fact, you could have upgraded to a condo, without touching your cash from savings!

Plus… start building a strong asset portfolio for your retirement savings !

Hi

My name is John Koh

And yes, it’s all true… as a Singapore Accredited Mortgage Planner™ and Multiple Achiever Award Salesperson, I am always saddened by the fact that most of my clients that have approached me have little to no idea that their HDB is more of a liability than an asset.

Many of these clients sold their hdb flats with negative sale proceed!
I had wished I could help them avoid such Pitfall

Sadly, this couldn’t be any further to the truth!

What you do not know could harm you financially… literally in this case.

In fact, you could have upgraded to a condo, without touching your cash from savings!

Plus… start building a strong asset portfolio for your retirement savings !

R002315B

Hi

My name is John Koh

And yes, it’s all true… as a Singapore Accredited Mortgage Planner™ and Multiple Achiever Award Salesperson, I am always saddened by the fact that most of my clients that have approached me have little to no idea that their HDB is more of a liability than an asset.

Many of these clients sold their hdb flats with negative sale proceed!
I had wished I could help them avoid such Pitfall

Want to know more about how your HDB is costing you your retirement savings and how you can escape the ‘hidden trap’ that most people have little knowledge about?

I Will Gladly Explain Everything In Simple Details

Wouldn’t it be a waste when you could upgrade comfortably, but did not?

case study 1:

From HDB To Condo


Mr. and Mrs. Cheong owns a 4-room
 HDB flat. They intended to sell their 4-room flat to lateral upgrade to a resale Executive Masonette.

After Consulting Me:

I did an in-depth analysis and detailed calculation and showed them an achievable asset progression roadmap.

The couple have since upgraded to a Condo, without touching any of their cash savings, and even got  cash reserve of $170k (the safety net I had calculated for them)! Mr & Mrs Cheong is planning for their 2nd condo to grow their asset portfolio, following the progression roadmap I had planned for them.

case study 2:

From 1 To 2 Condos

Mr. and Mrs. Lee wanted to sell their 2-bedroom condo to buy a 3 bedder.

After Consulting Me:

I proposed another asset growth strategy for Mr & Mrs Lee after analysing they can actually achieve more.

Mr & Mrs Lee upgraded their Condo, bought another smaller condo, and have some cash reserve as safety net.

They are paying lesser in their mortgage loan than they would have if they had proceeded with their original plan – thanks to the passive rental income from the 2nd property.

case study 2:

From 1 To 2 Condos

Mr. and Mrs. Lee wanted to sell their 2-bedroom condo to buy a 3 bedder.

After Consulting Me:

I proposed another asset growth strategy for Mr & Mrs Lee after analysing they can actually achieve more.

Mr & Mrs Lee upgraded their Condo, bought another smaller condo, and have some cash reserve as safety net.

They are paying lesser in their mortgage loan than they would have if they had proceeded with their original plan – thanks to the passive rental income from the 2nd property.

INTERESTED?

Good… Let’s Talk And Find Out How You Can ‘Turn Your HDB Liability Into Real Assets!’

When You Contact Me

I’ll make sure to share with you all my calculations and undeniable solid ‘Proof’ so that you know I am not pulling your legs. In fact, most savvy property investors know this, but few actually share this information around for free.

And that’s not all

Find out the Top 5 profitable property hot spots for your budget

Get 7 insider tips on how to navigate the property developments in the market and uncover your hidden gem

Learn how to avoid the property trap which are steadily draining away your Retirement Savings

Learn how you can easily catapult your asset portfolio from 1 property to 2 or more condos in just a few years

You Could Do the Same…

wait or miss out…

Knowing what you not aware of could be hurting you financially… Property with appreciated value is mere numbers with the money stuck in the asset.. but worry not, because, I will personally help you understand the current market and how to profit even when the market is glommy… Like right now!

In fact, it’s dire times like this that true wealth is made. The market uncertainty may sound scary to you, but with ‘tested & proven’ strategies… we are able to assist in positioning you to make the right move to secure your future.

Let’s grab a coffee and chat

Who Am I?

I am sure by now you are wondering…

Who I am and why I am qualified to help you when it comes to growing your assets for you.

My name is John Koh and I have been doing this for over a decade selling, renting, and helping other property owners just like you to make smart investment decisions to help them ultimately grow their wealth and assets!

I’ve won multiple back to back awards in the real estate industry since 2007 ranging from being a Master Emerald Producer, Super-Gold Achiever, and even ran my own property agency during my colorful journey.

When you consult with me, you can expect nothing less than perfection when it comes to helping you gain ‘clarity’ and a powerful plan to help you progress from where you are right now to where you want to be.

Gold Achiever

Super Gold Achiever

Top Landed Transactor

Master Emerald Award

When You Will Get

When You Reach Out To Me

Z

COMPLETE breakdown on why your prized HDB could be costing you money right now!

Z

The TOP ‘must-ask’ questions before you decide to invest in any property.
Let my experience help you get to where you want to be!

Z

A FULL in-depth analysis to devise a proper roadmap tailored for maximum gain

Z

My 5-part calculation that takes into consideration of all the costs involved! You’ll never get shocked with any extra fees like legal charges, stamp duty, or hidden outlays.

Z

A handheld walkthrough of the insightful Analysis Method to find the best possible property that suits you right now. A curated list of best buys in today’s market with  good growth potential & minimal risks.

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The 3 Plannings (my 3Ps) – Timeline Planning, Savings Plans & Asset Planning. Get this right and your retirement savings is all but secure.

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A complete ‘Asset Restructure Roadmap’ that’s carefully crafted just for you in multiple phases. We will approach this with minimal risk so that you can achieve your financial goals the soonest way possible.

What You Get

When You Reach Out To Me

The first thing you’ll notice about me is that I love my facts. In fact, I will analyze your current situation and dissect it down to the tee to make sure I present to you my very best recommendations on how you can get the maximum gain from your properties the fastest way possible.

I will present to you all my market research, my tedious calculations and simplify it all so that you can see the big picture fast and realize just how much of a ‘Gold-Mine’ you are sitting on right now. I leave no tables unturned and I make sure to answer all your questions to eliminate any fear that is currently holding you back.

And that’s not all!

You see, I love being upfront with my clients while providing the best all-rounder services that make my clients happy and rich. Not only will I help you with the initial phase of your asset growth, I am also willing to make sure your entire journey is a breeze with unparalleled after-sales services.

You’ll get full support from me and never be left alone, even after all the dust settles!

So This All Sounds Really Good But…

Is There Any CATCH?

Yes, that’s a good question… from 1 normal HDB and you can upgrade to 2 Condos… that’s just too good to be true, no? So… Why isn’t everyone else doing it you asked?

Well, here’s the cold hard truth.

Most people either do not know how to do this properly or are just too afraid that they may lose money while doing this. And that’s a fair judgment… but also the main cause as to why most of them feel financially burdened all the time.

The CATCH here is… you NEED TO KNOW how to leverage the asset you have right now… because if you don’t… it will turn into a painful liability before you even know it.

But worry not… because that’s where I come in.

Consult me and I will share with you powerful knowledge that can help you DOUBLE your assets fast!

In fact, ask me any questions like…

u

I am worried about
high installments…

I am worried I can’t rent out
my extra property.

I got no savings…
can I still do this?

Just ask away… I’ll make sure to give you my proven solution that just works!

Time the Market…

missed 1 property cycle… & you’ll have to catch it again in another decade…

Upgrade your lifestyle, get on track with your financial future,
and ensure a proper savings plan for your retirement now.

Disclaimer: The case studies are for illustration purposes only and are not intended to represent or guarantee that anyone will achieve the same or similar results. Nothing on this website should be taken to constitute professional advice or a formal recommendation and we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the content and use of this site or the information, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. There is no guarantee or promises for actual performance that you will duplicate the results stated here. You recognize results will vary from case to case.

In adherence to the Personal Data Protection Act 2012 of Singapore (“PDPA”), by submitting your personal particulars through the forms in this website, you agree to allow us to contact you via the contact information you have provided.

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