Right-sizing · David & Audrie
We help homeowners in their 50s and 60s see 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. Sometimes the right answer is to stay.
Free and no obligation. You leave knowing what your sale frees up, what your next home should cost, and how much stays for retirement.
Not ready to talk yet? Get the free Property Decision Checklist →
You'll chat with Chloe, our personal assistant. She replies straight away, day or night, and brings in David or Audrie to work on your plan.
What families tell us
“This is where the children grew up. Selling feels like giving up the family home.”
The memories move with you. The money locked in the walls pays for nothing until you decide what it's for.
How we plan a right-size →“If we move somewhere smaller, what will our relatives think?”
“What will people think?” is the most expensive question in retirement. Pride doesn't pay for medical bills, holidays or the grandchildren's education.
Read: letting go of pride →“After the CPF refund and costs, will we have enough to retire on, or just a smaller home?”
A large part of the sale can go back into your CPF, with accrued interest, rather than into your pocket. Know the real cash figure before you list.
See what a sale would free up →“Every year we wait, the stairs get harder and the lease gets shorter.”
Johnny, 68, turned down a record offer for his freehold walk-up apartment because it “should be worth more”. Moving is easier at 60 than at 70.
Read: the cost of waiting →Recognise one of these? Tell us where you are, and we'll work out your numbers with you.
Free and no obligation. You leave knowing what your sale frees up, what your next home should cost, and how much stays for retirement.
Not ready to talk yet? Get the free Property Decision Checklist →
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 system from our book
Three frameworks, one decision system. Together they change the question from “What should we buy?” to “Does this move support the life we're planning?”
01
The why
Wealth Accumulation Towards Early Retirement
Property as a tool for long-term freedom, not a trophy. Every move is planned backwards from the life you want in 10 to 20 years.
Why it matters: Without a clear why, the biggest purchase of your life gets decided by a showflat.
Explore W.A.T.E.R →02
The how and when
Clarity · List options · Evaluate · Align · Reinforce
Five steps from clarity on your finances, goals, needs and choices to a decision you can explain to your family.
Why it matters: It keeps urgency, FOMO and pride from making the call, and it's how we know when to say “not yet”.
Explore C.L.E.A.R →03
The what
Location · Entry price · eXit
Every property is tested on where it is, what you pay against comparable homes, and who will buy it from you one day.
Why it matters: Most losses are locked in on the day you buy. L.E.X checks the exit before the entry.
Explore L.E.X →In retirement, the greatest luxury is having options.
The C.L.E.A.R process
Peter & Mary are a composite case based on families we've helped.
Your plan, on your numbers, step by step.
Get a free Clarity SessionLaid out their finances, goals, needs and choices: the real net proceeds after the CPF refund and costs, what a smaller home would cost, and what they wanted retirement to look like.
Compared a smaller flat, a condo near their daughter, and staying put.
Checked each option on location, entry price and what their retirement income would look like.
Talked it through with their children, then timed the sale and purchase so they only moved once.
We review their plan with them every year as their needs change.
Testimonials
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
“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
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 →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.
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.
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.
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.
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.
Ten questions to ask before you commit to any property. If one can't be answered clearly, slow down and look again.
A free, no-obligation Clarity Session with David & Audrie: what you'd free up, where you could live, and how it fits your retirement.
Free and no obligation. You leave knowing what your sale frees up, what your next home should cost, and how much stays for retirement.
Not ready to talk yet? Get the free Property Decision Checklist →
You'll chat with Chloe, our personal assistant. She replies straight away, day or night, and brings in David or Audrie to work on your plan.
