Why work with MOP Freedom?

The short answer

MOP Freedom is led by Amanda Yap and Terence Ho, two CEA-registered property professionals who help Singapore homeowners decide what to do after MOP. They start with your numbers - likely sale proceeds, CPF, next-home affordability, mortgage structure and timing - before recommending a direction, and they will tell you when it may be better not to proceed yet.

Who is MOP Freedom for?

Homeowners at or approaching the end of their Minimum Occupation Period who are weighing their next move: HDB, EC, condominium and landed owners deciding between selling and upgrading, right-sizing, holding, or simply staying put. Start with the guide closest to your situation: Sell & Upgrade, Right-size, Hold & Grow or Compare Next Homes.

What do you get when you work with us?

• A candid assessment. We will tell you when an option appears workable, when the assumptions need revisiting and when it may be better not to proceed yet.
• A connected financial picture. The sale, purchase, CPF position, mortgage and future commitments should be considered together rather than as separate decisions.
• A strategy shaped around the owner. The recommended direction should reflect your objectives, timeline and constraints, not a standard sales template.
• Direct, personal support. When you reach out, you will speak directly with Amanda or Terence.

How does it work?

Four steps, in this order, at your own pace:

1. Review. Understand your present property, mortgage and household position.
2. Calculate. Estimate the numbers that may shape your available options.
3. Compare. Compare selling, upgrading, right-sizing and holding scenarios.
4. Move forward. Decide on a practical sequence for your next property move.

Our calculators are free to use on this site, and a free indicative value review gives you a considered starting point on where your property may sit in the market. It is not a formal valuation. There is more on the four steps if you would like detail.

Who would you work with?

Amanda Yap

Property & Mortgage Strategist

Amanda brings more than 20 years of property experience together with extensive mortgage-financing knowledge. Her work has covered residential and commercial property, estate-agency leadership and mortgage advisory, with more than S$500 million in mortgage transactions handled over the course of her career.

CEA Registration: R009526I · Property Agency: Aardvark Realty P/L · CEA Licence: L3010986D

More about Amanda

Terence Ho

Property Strategist

Terence is a commercial and growth strategist with more than 15 years of experience helping businesses reach the right audience, position their offering clearly and grow with intention. He brings that same discipline to how a property is presented and brought to market.

CEA Registration: R024625I · Property Agency: PropNex Realty P/L · CEA Licence: L3008022J

More about Terence

You can check the registration of any salesperson, including ours, on CEA's Public Register.

What should you ask any property agent?

Whoever you choose, the Council for Estate Agencies (CEA) guidance for consumers makes a useful checklist, and we would encourage you to ask us the same questions.

• Are they registered? A property agent should be registered with CEA through a licensed property agency. Check the Public Register, which also shows their past transaction records.
• What commission applies, and is GST included? Commissions are not fixed and you are free to negotiate. The agreed rate should be documented in CEA's Prescribed Estate Agency Agreement.
• Is the agreement exclusive or non-exclusive? An exclusive agreement appoints one agency for a period of up to three months, and you may owe commission during that period even if you transact through another agency or on your own.
• Will they declare conflicts of interest and referral fees? CEA says your agent should declare any conflict of interest and any referral fees received.
• How will they work out what you would actually receive? Ask them to show how your outstanding loan, CPF refund and selling costs turn a headline price into cash in hand. Our guide to estimating your HDB sale proceeds shows what that looks like.
• How would they sequence the sale and your next purchase? Ask how they would approach selling first versus buying first in your circumstances. See should you buy first or sell first?

What can MOP Freedom not promise?

We do not guarantee any selling price, financing outcome or capital appreciation. Calculator results and indicative values are estimates, not valuations or lending decisions, and rules and rates change, so figures should be verified against current regulations and your own circumstances.

How is MOP Freedom connected to a licensed agency?

MOP Freedom is a property information and marketing platform. Estate agency work is conducted only by CEA-registered real estate salespersons operating through their respective licensed property agencies. Information and calculator results on this website are general estimates and should be verified against current regulations, financing terms and individual circumstances.