Free Valuation Report & Property Calculators

Mortgage & TDSR Calculator

Find out your monthly repayment, whether you pass the TDSR stress-test at the MAS floor rate, and your maximum loan quantum.

Your Income & Debts

Gross monthly income

All assessable income

Existing monthly debts

Car loan, credit cards, etc.

Property & Loan

Property price

Loan-to-value (LTV)

Up to 75% for a first loan; lower limits may apply

Loan tenure

yrs

Interest rate

Actual rate for repayment calc

Property type

Planning estimates only. Verify eligibility, duties and timelines with the relevant authority. MAS · IRAS · HDB

Monthly Repayment

—

at actual rate

Stress-test Repayment

—

at applicable assessment rate

TDSR

—

Loan Quantum

—

Full Affordability — Mortgage + Stamp Duties

Your complete cost picture: TDSR borrowing limit, then Buyer's Stamp Duty and ABSD layered on top. Estimate your borrowing limit and stamp duty before you view.

Buyer Profile

Residency status

Property count

After this purchase

Income & Loan

Gross monthly income

Existing monthly debts

Tenure

yrs

Target property price

Planning estimates only. Verify eligibility, duties and timelines with the relevant authority. MAS · IRAS · HDB

Max Loan (TDSR)

—

BSD Payable

—

ABSD Rate

—

ABSD Amount

—

Cost Component	Amount	Notes

HDB Upgrade Affordability

Selling your HDB and moving up? See your estimated sale proceeds after CPF refund, resale levy, and agent fees — then check if you can afford the next property.

Your Current HDB

Expected sale price

Outstanding HDB loan

CPF used (principal + accrued interest)

Subsidised flat?

Bought from HDB with grant

Flat type (for levy)

Next Property

Gross monthly income

Target property price

Next property type

Planning estimates only. Verify eligibility, duties and timelines with the relevant authority. MAS · IRAS · HDB

Gross Proceeds

—

Cash in Hand

—

after loan + CPF refund + levy + fees

Max Loan (TDSR)

—

Shortfall / Buffer

—

Rental Yield Calculator

Gross yield is just the headline. This calculator strips out property tax, MCST maintenance, agent fees, and vacancy to estimate a net yield before financing costs and tax on rental income.

Property & Rental

Purchase price

Monthly rent

Annual Costs

MCST / maintenance fees

Per year

Property tax

Non-owner-occupied rate

Agent commission

Typically 1 month per year

Vacancy buffer

Misc / repairs

Per year estimate

Planning estimates only. Verify eligibility, duties and timelines with the relevant authority. MAS · IRAS · HDB

Gross Yield

—

Net Yield

—

after all costs

Annual Gross Rent

—

Annual Net Income

—

New Launch — Progressive Payment Scheme

Every new launch has a payment schedule tied to construction milestones. See an illustrative stage schedule and estimated cash, CPF and loan allocation before you sign.

Purchase Details

Purchase price

Loan-to-value (LTV)

CPF available to use

Buyer profile

Planning estimates only. Verify eligibility, duties and timelines with the relevant authority. MAS · IRAS · HDB

Loan Amount

—

Cash + CPF (downpay)

—

BSD

—

ABSD

—

Seller's Stamp Duty (SSD) Calculator

Selling within the applicable holding period can incur a duty. Enter your purchase date and target sale price to estimate the SSD on that price — and when the next rate drop occurs.

Property Details

Property type

Date of purchase

Or date of contract

Sale price (or valuation)

Whichever is higher

Planning estimates only. Verify eligibility, duties and timelines with the relevant authority. MAS · IRAS · HDB

Holding Period

—

SSD Rate

—

SSD Payable

—

Next Rate Drop

—

SSD window progress

Property valuation report

What could your property be worth?

Share the details of the property you’re considering. Darren will review your request and contact you about the valuation report.

Please enter the address as specifically as possible, including block, street and unit number where available, so Darren can prepare a more accurate report.