Retirement Reimagined with Syafiq Rauf
The path to a comfortable retirement extends far beyond the type of property you own. The true difference-maker lies in how you strategize your finances and leverage your real estate investments.
We believe every home holds the power to transform your retirement dreams into reality. Through tailored investment guidance and creative financing solutions, we empower our clients to maximize the return on their most valuable asset - their property.
Meet Syafiq
Meet Syafiq! His extensive experience in the highly regulated maritime industry has shaped him into an exceptionally detail-oriented realtor. He brings his attention to detail to the market, exploring every option to ensure foresight on all scenarios. With multiple accolades in Singapore's largest real estate company, Syafiq has helped many clients fulfill their property ambitions, be it upgrading or downsizing.
My Story
Our Services
Financial Planning + Market Insights
No matter your profile, every client receives a full financial breakdown of CPF flows, stamp duties, renovation budgeting, and cash-out potential. We ensure you're not just making a move — you're making a smart one.
✔ Quarterly market updates
✔ CPF usage & refund simulations
✔ Renovation + loan planning
✔ Grant & legal fee calculations
✔ Property comparison reports
Real Concerns, Real Conversations
01
BTO to Bigger HDB
Upgrading to a larger flat can seem like the natural next step — but have you considered:
✔ Will the resale value hold in future?
✔ How does lease decay affect your long-term plans?
✔ Is a bigger flat really the best use of your CPF?
Let’s discuss:
HDB vs Condo Upgrade — Should you go bigger or go newer?
Bank Loan vs HDB Loan — Which gives you better flexibility?
02
Sell High, Buy High
Selling your BTO for a good profit? That’s great — but then what?
✔ Buying high could mean draining your CPF
✔ Cash shortfalls and loan limits can catch you off guard
✔ Is the “profit” really worth the trade-off?
Let’s discuss:
CPF Usage — How to avoid over-committing
Timeline Planning — Should you sell or buy first?
03
Upgrading to Private Property
Private property is a dream for many — but with rising interest rates and stricter loan requirements, it's no longer just about “can I afford it?”
✔ Are you priced out of the market?
✔ Which condo is worth the investment?
✔ What’s your long-term exit strategy?
Let’s discuss:
QPE Model — Quality vs Price vs Exit
Financial Analysis — Can you afford it now, and is it worth it later?
04
Downsizing After Age 55
Selling and buying post-55 comes with its own set of CPF rules and limitations.
✔ Can you access your CPF RA to buy again?
✔ How much cash will you be able to get?
✔ What happens to your Retirement Account?
Let’s discuss:
CPF Appeals & RA Top-up — How to navigate CPF restrictions
Cashflow Forecasting — Will downsizing actually release usable funds?
Homes Sold
The Process
01
Consultation
We begin by understanding your needs, goals, and financial situation. Whether you're upgrading, downgrading, or buying your first home — we analyse your affordability, timeline, and lifestyle to create a customised game plan. No pressure, just clarity.
02
Marketing
Once the strategy is in place, we prepare your home for maximum appeal. From professional photography and staging tips to crafting compelling listings — your unit is positioned to attract serious buyers across major platforms and social media.
03
Viewings
We manage all viewings of your current home with professionalism and purpose — highlighting key features, addressing buyer concerns, and guiding offers in your favour. At the same time, we also bring you to view potential next homes that match your budget and lifestyle, so you can confidently plan your transition without feeling rushed.
04
Documentation
When the right offer comes, we assist with all the paperwork — from negotiation to HDB submission, timeline coordination, and CPF planning. We ensure the process is smooth, transparent, and stress-free until keys are handed over.
Accolades
Plan your property move, sell for the best price possible and get access to our guidance after your move
Contact us
If you have any questions about the real estate market, we'd love to chat. Reach our below and we'll get back to you shortly. We look forward to hearing from you.