HDB bench
For buying a resale or new HDB flat.
Singapore home buyers
Seven advisors. One home. A decision you can sign with confidence.
SG Property Room puts your purchase in front of a council drawn from everyone involved in buying a home in Singapore. They argue it out from every side, then one of them delivers the council's verdict in plain English.
The private property bench, in session
Watch the example councilWhat it is
A second opinion before the biggest cheque you will ever write
Buying a home moves fast. The seller wants an answer this week, the option has a deadline, and every person you speak to sees only their part of the deal.
SG Property Room lets you hear the whole deal argued before you commit. A property lawyer, a mortgage banker, a stamp duty specialist, a valuer and others each look at your purchase from their own seat. They disagree, change their minds for good reasons, and vote.
You leave with a clear verdict, the risks the council saw, and a short list of things to confirm with your bank, your lawyer or the government agency concerned.
How a council works
From your question to the council's verdict in about a minute
- Put your purchase
Choose HDB or private property. Describe the home, your situation and one question. Leave out names, addresses and unit numbers.
- Opening positions
Each advisor takes a position: proceed, amend or hold, with a confidence score from 1 to 10.
- The debate
Advisors answer each other's points directly. Positions move only when the argument earns it.
- One voice for the council
The council chooses a spokesperson from the majority, who drafts and delivers the verdict for everyone. Any dissent is noted.
Afterwards you can read the reasons, replay the whole council, or download the verdict as a PDF to bring to your bank or lawyer.
Who sits on the council
Two benches, each built from the people in a real purchase
Every advisor is a fictional character standing for a role, not a real person or firm. Each argues from the public rules that role works by.
Private property bench
For condos, landed homes, new launches and upgrading from an HDB flat.
How it stays honest
Grounded in Singapore's rules, open about what it does not know
Singapore rules and practice
The council reasons from the rules of HDB, IRAS, MAS and the CPF Board, and from how purchases actually run in Singapore.
No made-up numbers
Advisors are told never to quote rates, duties, grants or prices from memory. When a figure matters, the verdict tells you where to get the official one.
No real people or firms
No advisor names or imitates any real lawyer, banker, agent, valuer or agency.
Total Debt Servicing RatioMortgage Servicing RatioLoan-to-value limitsBuyer's and Additional Buyer's Stamp DutyHDB minimum occupation period
What it is for, and what it is not
Use it to prepare, not to decide for you
Good for
- Testing a purchase before you pay for the option.
- Understanding the order of things: loan approval, option, exercise, completion.
- Seeing the deal from the bank's, the seller's and the taxman's side.
- First-time buyers learning how a Singapore purchase works.
Not
- Financial, legal or tax advice. A verdict here is not a recommendation to buy.
- A valuation, a loan approval or a stamp duty calculation.
- A replacement for your bank, your conveyancing lawyer or IRAS, HDB and CPF Board.
- A reason to rush. If a deadline is close, speak to a professional first.
What happens to what you type
Council cases are sent to Anthropic's Claude model to run the debate and are not stored by us. Your browser keeps your last council on your own device.
Enquiries you send through the contact button are kept so our team can reply to you.
Details are in our privacy notice.
Ready to make an offer?
Run a council to get your numbers and questions in order, then talk to someone who can act for you.