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DELVIN GOH

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The Roadmap to a Seamless Condo Upgrade

The exact strategic framework I use to guide my private clients

Stop guessing. Use this visual timeline to avoid the double move dilemma and cash flow traps. It provides the clarity you need to sell and buy simultaneously without getting stuck in between.

Why Moving Home Often Feels Like Walking a Tightrope?

You have already made your first winning move in the property market. But moving from one private property to another is a different challenge entirely.

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It requires navigating a complex sequence of financial, legal, and logistical steps. A single timing error can result in:

  • The ABSD Trap: Paying 20%+ tax unnecessarily because of the wrong Option sequencing.

  • The Liquidity Gap: Needing cash for a down payment while your sale proceeds are still locked in CPF.

  • The Homeless Void: Selling before you buy, leaving you without a roof over your head.

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I wrote this guide to replace that anxiety with a proven strategy. It is the exact framework I use with my clients to ensure their wealth—and their peace of mind—is protected.

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Figure 1: A sneak peek of the gap-free timeline strategy inside.

Solve the "5 Puzzles" of the Simultaneous Move.

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Inside, we strip away the jargon and give you a visual timeline for the 5 critical hurdles every upgrader faces:

🧩 Puzzle 1: Temporary Accommodation Strategies to bridge the gap, including "Extension of Stay" and "Leaseback" arrangements.

🧩 Puzzle 2: Cash Flow for Upfront Costs Calculating the exact cash you need for Option Fees and Stamp Duties before your sale proceeds arrive.

🧩 Puzzle 3: The ABSD Trap How to time your "Exercise of Option" perfectly to avoid being taxed as a second-property buyer.

🧩 Puzzle 4: The LTV Cliff Sequencing your loans to ensure the bank grants you the full 75% loan for your next purchase.

🧩 Puzzle 5: The CPF Refund Lag Did you know CPF refunds take ~3 weeks? We show you how to buffer for this delay.

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Bridging Data & Real Estate.

I am Delvin Goh.


Before real estate, I began my career in the public sector and banking, grounded in a Financial Economics background from NUS.


This background ensures your portfolio is built on data, not guesswork. I look at how housing loans, market cycles, and government policies impact your long-term financial health.
My goal is to help you build a portfolio that ensures dignity and security long after the final
paycheck.

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