THE UPGRADER BLUEPRINT
Fey Firdaus · Huttons · CEA R065405C
For HDB homeowners thinking about their next move

You know what your HDB is worth.
But do you know what it can actually buy?

Your selling price is only one part of the picture. See what your home equity, CPF and financing position could realistically unlock next.

Your first-pass Upgrade BlueprintIndicative only
Your next HDB — up to
$XXX,XXX 🔒
A private condo — up to
$X,XXX,XXX 🔒
What you may be able to buy next
Sale proceeds
$XXX,XXX
CPF you can use
$XXX,XXX
Financing capacity
$XXX,XXX
Your actual numbers appear after you complete your Blueprint.
Start my Upgrade Blueprint

Free · Personalised · Takes a few minutes · No obligation

Built on live URA & HDB transaction data Current MAS / CPF / IRAS rules CEA-licensed · R065405C · Huttons
1
Who is The Upgrader Blueprint for?

You're probably asking one of these 7 questions.

"Sell… then buy what?"

"My MOP is here. Should I actually move?"

Reaching MOP gives you options. But having the option to sell doesn't automatically mean moving now puts you in a better position.

"Is upgrading really better for me and my family?"

Understand, using facts and data, whether upgrading actually improves your family's housing and financial position — or simply gives you a bigger mortgage.

"Can I afford a bigger HDB or even private?"

See what your current home, income, age and financing position could realistically allow you to buy next.

$0 cash savings.
Still possible?

"Can I upgrade with little or even $0 cash savings?"

Every upgrader client I've helped so far did it without topping up from their savings. The move was funded from sale proceeds, CPF and financing capacity already built into their housing position.

Whether this works for you depends on your own numbers.

"If I sell, what can I realistically buy next?"

Not just what your HDB is worth — what your entire housing position can actually unlock.

"Should I upgrade now or wait?"

Waiting can strengthen your position — or cause the next home you want to move further out of reach.

"If I do move, what's the safest way to do it?"

Sell first or buy first? How much liquidity do you actually need? What happens in between? The sequence matters too.

2
Real client outcomes

Same question.
Very different outcomes.

Some upgraded.
Some chose safer.
Some were told to stay.

Didn't think private was possible.
5-room BTO → 3-bedroom condo

"Initially, we didn't think we could afford a condo by selling our 5-room BTO. After going through UBP with Fey, we're now in a 3-bedroom condo."

Fad & Anis
Upgraded without topping up our savings.
4-room HDB → 2-bedroom condo

"We were surprised that we didn't have to fork out any of our savings to upgrade from our 4-room HDB to a 2-bedroom condo. Thanks to UBP and Fey."

Yat & Aida
Could afford more —
chose safer.
36-month buffer
Could afford a 3-bedder → chose a safer 2-bedder

"We could afford a 3-bedder, but Fey planned a smaller and safer route for us instead. We chose a 2-bedder and had enough buffer for 36 months of mortgage payments without topping up cash — even if one of us stopped working."

Azhar & Shary
Wanted to move.
Advised to stay.
Review again in ~2 years
Wanted to upgrade → advised to stay first

"After our UBP Review, Fey advised us to stay put first and grow our income and CPF. The numbers showed that we should be in a better position to start our upgrading journey in about two years."

Din & Dina
3
Your Blueprint

What will you walk away knowing?

Your Blueprint is designed to help answer four things.

01

Where
you stand

Start with your current HDB. See its indicative value and understand the housing position you've already built.

02

What you
can buy

Work out what your existing position and financing capacity may allow you to move into next.

03

What you
should spend

What you can technically buy is not automatically what your family should spend.

04

What your next
move should be

Turn the estimates into your real numbers, work out what is safe, compare realistic routes and determine what your next move should actually be.

4
The bank can tell you what you can borrow.
Illustrative example

You may be able to afford $1.8M.
That doesn't mean you should buy $1.8M.

What can I technically buy?

Maximum Buying Power

The technical ceiling your financial position may allow.

vs
What should I actually spend?

Safe Buying Power

The level that makes sense after considering your actual cash and CPF position, monthly commitment, renovation needs, safety buffer and family plans.

Your maximum number
is not your decision.

Your First-Pass Blueprint helps you understand what may be possible. Your Blueprint Review works out what is actually safe and sensible for your family.

5
Why UBP is different

The goal isn't to get you to buy private.

It's to find out whether upgrading actually puts you and your family
in a better position.

Data before opinion

Your recommendation should be supported by numbers, market evidence and the facts of your own situation.

Safe before maximum

Being able to qualify for a bigger loan doesn't automatically make the bigger purchase a better decision.

Stay is a valid answer

If moving today weakens your position, the answer may be to stay, wait and strengthen it first.

The Blueprint is not designed to prove that you should upgrade.
It is designed to find out whether you should.

6
Before you start

Frequently asked questions

Is The Upgrader Blueprint only for homeowners who want to buy private property?

No.

Many homeowners start because they're considering private property, but the right answer may ultimately be a better HDB, private property, waiting, or staying where you are.

The goal is to find the strongest next move for your household — not force a particular property type.

What if I have very little or no cash savings?

That does not automatically mean upgrading is impossible.

Cash savings are only one part of your housing position. Depending on your situation, your next purchase may also be funded from sale proceeds, CPF and financing capacity already built into your current home.

Whether that works for you depends on your actual numbers.

Is this just another property-agent consultation?

No.

You first build a self-serve First-Pass Upgrade Blueprint.

That gives you an indicative view of where you stand and what may be possible.

If you want to go further, the Blueprint Review is where Fey verifies your real numbers and helps turn the first-pass result into a decision-ready plan.

Will Fey try to convince me to upgrade?

No.

There are clients who wanted to move but were advised to stay or wait because the numbers showed that moving immediately would not put them in the strongest position.

A transaction is not automatically the right outcome.

How accurate is my First-Pass Blueprint?

It is indicative.

Your home's estimated value, financing position and other figures are based on the information available and the details you provide.

Your actual CPF, loan position, transaction costs, financing and safe purchase level are verified during the Blueprint Review before any major decision is made.

Do I need to have reached MOP already?

No.

If your MOP is approaching, you can still use the Blueprint to understand your current position and begin planning what may make sense once your options open up.

How long does it take?

The First-Pass Blueprint takes only a few minutes.

If you choose to complete it with Fey, the Blueprint Review is approximately 30 minutes.

Still wondering:

"If I sell… then buy what?"

Start with the HDB you already own.
See what your current position may realistically allow you to do next.

Start my Upgrade Blueprint

Free · Personalised · No obligation

THE UPGRADER BLUEPRINT

Most agents sell you a home. I plan the whole climb.

Fey Firdaus · CEA Reg. No. R065405C · Huttons Asia Pte Ltd