Buyer representation
Buy your next home with a clear plan, not guesswork.
Michelle guides your purchase from budget to keys. A clear fee for HDB resale. No buyer fee on private resale and new launch.
- Affordability, CPF, and grant planning before you shortlist
- Viewings at your pace, with Michelle one message away
- Negotiation, Option to Purchase, and completion paperwork handled
No commitment · Understand your options before you commit
Fee ledger · Buyer
Three ways to buy. One honest ledger.
- HDB resale buyer package
- $1,999
- GST at 9%
- $179.91
- HDB total, payable on completion
- $2,178.91
- Private resale or new launchSeller or developer pays under co-broke
- $0
Marketing offer. GST at the current Singapore rate. Final terms in the estate agency agreement.
01Buying support
What buying support does Michelle offer?
One licensed advisor for HDB resale, private resale, and new launch purchases, plus sell-and-buy timing if you are moving home.
HDB resale purchase
Grant and loan planning, valuation guidance, negotiation, OTP, and HDB Resale Portal paperwork.
Private resale purchase
Condo and landed shortlisting, project comparisons, viewings, and negotiation support.
New launch purchase
Neutral project analysis, unit selection, developer liaison, and documentation.
Sell and buy planning
Map both timelines together so you are not stuck without a home or paying two loans.
02Buyer packages
What does it cost to buy with Michelle?
HDB resale buyer representation is a fixed fee. On private resale and new launch, the seller or developer pays the agent under standard co-broke arrangements, so there is no buyer fee.
HDB purchase
$1,999 + GST
Payable on successful completion.
- Affordability, CPF, and grant planning
- HDB loan vs bank loan guidance
- Valuation and offer guidance
- Negotiation, OTP, and Resale Portal paperwork
Private resale purchase
No buyer fee
Agent fee paid by the seller under co-broke.
- Project and unit comparisons
- Shortlisting without pressure
- Viewing coordination
- Negotiation and OTP support
New launch purchase
No buyer fee
Developer pays the agent commission.
- Neutral project analysis
- Unit selection guidance
- Developer liaison
- Documentation through to handover
GST applies to paid packages at the current Singapore rate. No-fee packages are funded by standard co-broke arrangements. All terms are set in the estate agency agreement.
Fee calculator
What could you save as an HDB buyer?
Enter the price you expect to pay. The 1% column is an illustrative buyer-agent fee only, not a quote from another agent.
$600,000
- Illustrative 1% buyer fee
- $6,000
- $1,999 + GST inclusive of 9% GST
- $2,178.91
Illustrative difference
$3,821.09
64% lower
Illustrative example only. Buyer-agent fees vary and are negotiable. GST uses the current 9% Singapore rate on the S$1,999 HDB buyer fee.
03How it works
Buying a home: how Michelle handles it.
A purchase has more steps than most buyers expect. Michelle plans them up front so there are no surprises at OTP or completion.
- 1
Consult and plan
Budget, CPF usage, grants, and loan options reviewed. If you are also selling, both timelines are mapped from day one.
- 2
Shortlist and compare
Michelle helps you compare units and projects on price, lease, location, and resale outlook.
- 3
View at your pace
You do thisYou view at times that suit you. Michelle is one message away for questions on the spot.
- 4
Offer and negotiate
Valuation guidance, then a firm negotiation on price and terms with the seller side.
- 5
OTP to completion
Option to Purchase, valuation request, HDB or lawyer paperwork, and support through to keys.
04Buying: common questions
What buyers ask first
Still have questions?
Send Michelle a message. You will get a straight answer, not a sales script.
WhatsApp MichelleNext step
Start with a planning conversation.
WhatsApp Michelle with your budget range and what you are looking for. No commitment.
+65 9680 1106