Right-sizing · David & Audrie
Your home did its job raising the family. Now let it fund the next chapter.
We help homeowners in their 50s and 60s work out the real cash a move would free up, after CPF refunds and costs, and plan it at a pace the whole family is comfortable with.
- 100+ families served
- Authors of The W.A.T.E.R Property Blueprint
- ERA Realty Network
The system from our book
W.A.T.E.R
Wealth Accumulation Towards Early Retirement
Right-sizing is where the W.A.T.E.R system pays off: turning the home you've paid for into cash flow and choices, without taking risks you no longer have time to recover from.
In retirement, the greatest luxury is having options.
Sound familiar?
We'd love the cash, but this is where the children grew up.
After the CPF refund, what would we actually have left?
Our lease is getting shorter. Should we sell before it affects the price?
Everyone in the family has a different opinion.
From where you are to where you want to be
Right now
A big home, a paid-off loan, and a lot of “maybe next year”.
Where you want to be
One clear figure for what you'd free up, a home that fits, and a plan the whole family understands.
The C.L.E.A.R process
How Peter & Mary right-sized without the regret
Clarity
Worked out their real net proceeds: sale price, minus the CPF refund and costs, and what a smaller home would cost.
List options
Compared a smaller flat, a condo near their daughter, and staying put.
Evaluate
Checked each option on location, entry price and what their retirement income would look like.
Align
Talked it through with their children, then timed the sale and purchase so they only moved once.
Reinforce
We review their plan with them every year as their needs change.
Peter & Mary are a composite case based on families we've helped.
In their words
“They made the whole renting process so smooth. We were new to Singapore and had no clue about tenancy agreements. David & Audrie explained everything clearly and even helped us settle in.”
Ana & Marcos
Tenants, Tiong Bahru
“If you need property agents who truly care, look no further than David & Audrie Properties. Their professionalism is top-notch, but what stood out most to me was their friendliness. They never once made me feel rushed, even though I had endless questions for them. Thank you for being so incredibly helpful!”
The Clique Podcast
Google review
“David & Audrie showed us options we never even considered, and helped us buy below market value in an area with upcoming transformation. Their breakdown of timeline and costs gave us total peace of mind.”
Jia Hui & Brandon
First-time condo buyers
“We never knew our HDB had so much potential. With David & Audrie's guidance, we upgraded to a condo and still had reserve funds, all while staying within TDSR limits.”
Joanne & Marcus
First-time upgraders, 30s
“David & Audrie helped us rent out our unit within a week, and even assisted with tenant issues months into the lease. They're professional, patient and proactive.”
Jonathan
Landlord, D15 2-bedroom condo
“We were so worried about timing and finances, but David & Audrie mapped everything out: sale, purchase, even the cash flow. We sold above asking and moved into our new home seamlessly, without financial stress.”
Kelvin & May
Sold and upgraded to an EC
A system that can say “not yet”. We've told families to wait, even when it cost us the commission. We'd rather you wait than move wrong.
Read the story →Questions we're often asked
How much cash will we actually get from selling our HDB flat?
Start with the sale price, then take off any outstanding loan, the CPF you used for the flat plus accrued interest (this goes back into your CPF account, not your bank) and costs such as legal and agent fees. What's left in cash, plus what returns to your CPF, is what you have for your next home and your retirement. We work it out from your actual CPF statement before you list.
What is the Silver Housing Bonus?
A CPF bonus for HDB owners aged 55 and above who right-size to a 3-room or smaller flat: up to $30,000, or up to $40,000 for a 2-room or smaller flat, when you top up to $60,000 of the sale proceeds into your CPF Retirement Account and join CPF LIFE. At least one owner must be a Singapore Citizen and other conditions apply, so check your eligibility with HDB.
Can we stay in our flat and still unlock cash?
If you own an HDB flat and the youngest owner is 65 or older, HDB's Lease Buyback Scheme lets you sell part of the remaining lease back to HDB, with the proceeds topping up your CPF Retirement Account. It suits owners who want to age in the same home. We'll compare it with selling and moving, on your numbers.
We own a condo. Can we move to an HDB resale flat?
Yes, if you meet HDB's eligibility conditions. Since 28 July 2026, private property owners buying a resale flat without CPF housing grants or an HDB loan no longer have to wait 15 months; you must sell your private property within 6 months of completing the flat purchase.
Our children disagree. How do you handle that?
We often meet the whole family together. Seeing the same numbers, the same options and the same timeline settles most disagreements, and nothing moves until you're comfortable.
Free: the Property Decision Checklist from our book
Ten questions to ask before you commit to any property. If one can't be answered clearly, slow down and look again.
Know your number before you decide.
A free, no-obligation Clarity Session with David & Audrie: what you'd free up, where you could live, and how it fits your retirement.