Property Financial Dashboard

Finding the right home is about more than just the price tag; it’s about having the confidence to take that next step. I’ve created this Property Mortgage Planner to help you look past the surface and truly understand the numbers. Whether you are navigating the latest ABSD rates or calculating Buyer’s Stamp Duty (BSD), this tool is designed to bring clarity to your budget.

I want you to have a space where you can explore your options with total transparency. Whether you are looking to upgrade, invest, or are simply curious about the possibilities, use this dashboard to visualize your monthly commitments in seconds. I hope this serves as a helpful first step in making a decision that feels exactly right for you.

Mortgage Calculator

S$
3.5%
30 Years
Disclaimer: This calculator is provided for illustrative purposes only. Figures are estimates based on standard 75% LTV and do not include legal fees, valuation fees, or agent commissions. Actual loan eligibility and stamp duties are subject to final assessment by relevant authorities and financial institutions.
Monthly Installment S$ 6,736
Est. Min. Cash Required S$ 169,600 (5% Cash + Stamp Duties)
BSDS$ 69,600
ABSDS$ 0
5% Min. Cash DownS$ 100,000
20% CPF / CashS$ 400,000
Total Entry CapitalS$ 569,600
WhatsApp for Review
Juliana Lee · 8268 4064
askjulrealty.com

Important Keypoints You Should Know

1. On Loan Limits (LTV)

“The 75% loan cap is the standard for your first residential property. If this is your second mortgage, the cash requirements change significantly, so do factor that into your initial planning.”

2. On Higher-Value Properties (BSD)

“For properties above S$3 million, the Buyer’s Stamp Duty (BSD) increases to 6%. This calculator already factors that in to ensure you have an accurate picture for landed or luxury homes.”

3. On Hidden Costs

“It’s wise to set aside a buffer of S$3,000 to S$5,000 for miscellaneous costs. Legal fees and bank valuations are often overlooked but are essential parts of the final completion.”

4. On Managing Taxes (ABSD)

“Stamp duty rates depend heavily on your residency status and the number of properties you own. Be sure to select the correct status in the dropdown to see how it affects your upfront cash outlay.”

Find Out Your Home’s Value Instantly

For real-time updates on your property’s indicative valuation and latest neighborhood transactions, simply scan the QR code below to register for ERA RealtyWatch. It’s the easiest way to stay informed about your home’s market position.

realtywatch QR code

Have specific questions about your mortgage planning? Feel free to reach out directly. Let’s map out your next move together.

Request a Personal Valuation

Drop me a message with your property details, and I will prepare a detailed market report and indicative valuation for you.

💬 Get My Valuation via WhatsApp
Thank you for reaching out. Your personalised report, including the indicative value, will be sent to you by today.