Most upgrade regrets don’t happen at purchase — they happen monthly.

The family is growing, but the house feels too small
You’re worried the monthly commitment might become stressful
You’re unsure whether to upgrade now, later, or even at all
You don’t want an agent who only knows how to push you to buy
Most families don’t need pressure.
They need one proper conversation to plan clearly.
Upgrading is not about status.
For many of us, upgrading simply means:
More room for children
Space for parents
A home that supports family life — not stress
That’s why bigger HDBs are often part of the conversation, not just condos.
An upgrade should improve your life
not quietly pressure your finances every month
Many families come to me feeling unsure, not because they don’t want to upgrade —
but because they’re afraid of making the wrong decision.
Before any upgrade, I use the SAFE Framework to help families decide clearly — not emotionally.
SAFE is how I check whether an upgrade truly makes sense before committing.
Can your lifestyle sustain this comfortably, month after month?
If daily life feels tight or fragile, the upgrade isn’t sustainable.
Do the numbers work beyond bank approval?
Affordable means living comfortably — not just qualifying on paper.
Does the timing of money and events line up properly?
OTP, completion, sale overlap, bridging, renovation — mistakes usually happen here.
Advice guided by numbers, scenarios, and calm analysis — not hype or pressure.
Every family’s situation is different.
These stories show what’s possible with SAFE.
Using SAFE :
Sold their HDB within 30 days and found a property that could be paid fully with the sales proceeds
Using SAFE :
Upgraded to a brand-new condominium without touching their cash savings
Using SAFE :
Made an informed purchase of a resale condominium which has since appreciated 50% today
Using SAFE :
Secure their dream home without COV (cash-over-valuation)
Clear explanations
Calm decision-making
Long-term safety over short-term excitement
I’ve guided families through upgrading with clarity and care.
I’m a Singapore-based property advisor, currently ranked in the top 8% of agents within the largest real estate agency in Singapore.
But how I advise clients is shaped by more than property.
I’m also:
Youth-at-risk mentor with MENDAKI
Company Sergeant Major (CSM) in the Singapore Armed Forces
President of Jauhari Bilingual Toastmasters Club (English–Malay)
Dad
These roles are built on responsibility, discipline, and clear decision-making — especially when people are relying on you.
Because of this, my approach to property is structured, practical, and focused on decisions families can sustain long-term.

Before you buy, sell, or upgrade,
make sure the decision supports your family’s future.
PropNex Realty Pte Ltd - Licence No: L3008022J
Andik Imran | R061801F
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