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First Home Buyer Programme
Your first home is likely to be the most expensive purchase you are about to make, yet.
This is highly pivotal in your life as a first home buyer; it can either put you on a fast track towards or set you back from your financial goals.
Why did we create this for First Home Buyers?
Being business school graduates and relatively young investors ourselves, we are surrounded by peers who often think that doing their own research is sufficient for their first home purchase. This is completely understandable!
However, we have come to the realisation that they are frequently unaware of many important concepts and do not have access to the relevant facts, statistics or experience in the real estate market needed to make this HUGE decision.
This is why we created the First Home Buyer Programme.
Not to sell, not to preach, but to prevent costly mistakes that you may not be aware of.
Knowledge is power. We’ll arm you with right knowledge, help you steer clear of the common pitfalls and have a customised plan that is tailored to your needs. Our entire business is built around ensuring that the house buying process runs as smoothly as possible for you, leaving you to get on with the fun stuff, like planning your first housewarming party.
After all, buying your first home puts most of your net worth at stake, but speaking to us before you make this decision is free.
You do the math.
What can you expect from the First Home Buyer Programme?
We are planners by nature. We also do not like uncalculated risks.
We have designed a systematic approach to buying your first property, to ensure that your hard-earned money is put in the right place.
Through understanding your needs and mid to long term goals, we will advise you on suitable options based on your affordability, and work together with you to create an action plan and exit strategy that is best for you.
In this programme, we discuss common questions such as:
1) HDB, EC or Private? What should I choose for my first property?
2) Is a new development or resale better?
3) How do I avoid buying into a property that does not appreciate?
4) Is freehold better than leasehold?
5) Is HDB the lowest risk option as it is the most affordable?
6) How do I use my first property as a stepping stone to upgrade to a bigger house without touching my savings?
The list goes on!
At the end of this programme, we assure you that you would feel confident about your first home purchase and to have a clear direction of your investment road map for the next 5 to 10 years.
Case Study One.
Newly engaged couple Ben and Kat, both 29 years old with a combined income of $8000 a month, contacted us to find out how to go about finding their first matrimonial home. Both of them grew up in an HDB and were planning to buy one too.
After going through our First Home Buyer Programme’s in-depth affordability analysis, Ben and Kat discovered options they never knew they had — being able to afford an EC or private property without having to change their lifestyle drastically.
In addition, they realised through our calculations that they had to fork out $80k less for a private property as compared to an EC. This baffled them because they never knew this was possible given ECs were supposed to be cheaper.
After an objective analysis of the different options they have, they are now comfortable owners of an 870k 2 bedroom condo, with strong potential for capital appreciation as well as a cash reserve of $80k!
Results of Action Plan
investment
capital appreciation
100% informed
Most importantly, they bought this property being 100% informed of ALL their options and have a clear idea of their investment road map for the next 5-10 years!
Case Study Two.
Eleanor was 31 years old with an income of $9,000 a month when she first met us. She was single at the time and was planning on waiting until 35 years old to purchase her first resale HDB for own stay. Before she was referred by her friend (our ex-client) to meet with us, she simply thought that waiting until 35 to buy an HDB was the only option and the best choice for her.
After understanding Singapore’s real estate trends through our First Home Buyer Programme, she saw how she could make good use of this 4 years before she turns 35 to create more options for herself rather than simply letting her current savings sit idly.
Today, she is a proud owner of a 800k private property with strong potential for capital gains, and she can decide on the following when she hits 35!
Update: 3 years down the line, she successfully sold her property, reaping a remarkable 51% net Return on Investment gains. Witnessing the property’s potential to accelerate her investment objectives, she wisely reinvested her profits into a spacious 2-bedroom + study unit. This new investment not only suits her personal living needs but also holds substantial promise for future capital gains.
In 4 years time, Eleanor has 4 options:
own house
to a bigger house
by being a landlord
buy a HDB
At the end of the day, having one option is not an option. Eleanor is now glad to have taken the first step on her investment journey!
It is easy to work with us.
First Consult
This is an important session for us to first understand your ideas, objectives and circumstances, before we can work out a plan tailored to your needs and provide the right advice for you to make an informed decision eventually.
Real Estate 101
Before you make such a big purchase, it is crucial to understand how the real estate market works. Here we will go through fundamental concepts and market updates that apply to you.
The HausLife Investment Framework
We will share with you the investment framework that we have developed with experience and market data. You will understand our processes and the stringent selection criteria which we will base our recommendations on.
Questions & Misconceptions
Before we move on, we will address and clarify any questions and misconceptions that you may have. This will ensure that we are on the same page and have a common goal in mind, should you decide to work with us.
Budget
This step involves you getting preliminary financing approvals from the banks, and us having a good understanding your financial situation in terms of available cash, CPF and monthly mortgage affordability for this property.
Action Plan
With all the ground work done, we will now have an action plan complete with suitable recommendations, timeline planning, and viewings. With our streamlined processes, our buyers usually make their purchase within 1-2 months.
Don't just take our word for it.
Philip Lee2024-11-14As a first time homebuyer, I was at a total loss of where to even start. Thankfully, I had the blessing of knowing Erin and Sherwin who were extremely knowledgeable, supportive, accommodating and patient every step of the way. They guided me during the entire process, offering sound counsel on the pros and cons of each of my decisions at every juncture. I’m naturally a fickle minded person and what I really appreciated was their willingness to not only be patient but even proactively counter-propose ideas to quell my doubts. I have no doubt that I am in safe hands with the help of these two gals and I would highly recommend them to my friends and family. Thank you both!!
Carolyn Hsu2024-04-25Erin and Sherwin have been very helpful at every step of the way from the very first time we met them to discuss what we were looking for in the first property we wanted to purchase, all the way until now, managing the tenancy that came with the property that we eventually bought. Both of them are very detail oriented and data driven, which is evident in the list of viewings they carefully arranged for me. They would provide all relevant information and their analysis of each of the properties that we viewed together. As first time buyers, having Erin and Sherwin around for the entire process certainly provided a lot of assurance and comfort. We would most definitely recommend them to anyone who is looking to buy or sell their property!
Yu Ting Wee2024-04-16I had the pleasure of embarking on my real estate investment journey with Erin and Sherwin since 2019! Throughout the past 5 years, both of them demonstrated exceptional professionalism and commitment to my best interests as a first time investor. Since it was the first time stepping into real estate, I was clueless and naturally had lots of questions! They exhibited remarkable patience in explaining the intricacies of the process and always ensured that I fully understood every aspect before making any decisions, without pressing me and were obliging in explaining when I needed clarification. Their dedication to acting in my best interest was evident, which allowed me to have clarify and feel confident every step of the journey. When it came to monitoring the market and securing the best deals when it was time to sell my investment unit, they went above and beyond. They diligently tracked market trends and provided me with necessary updates to ensure that I received the most favorable terms possible. I was also impressed by their expertise in capturing high-quality marketing materials to effectively promote the property, resulting in a smooth and successful sale. After a successful first investment, I was once again delighted to engage them another round and they once again exceeded my expectations. They respected my budget constraints and never pressured me into making decisions that weren't aligned with my preferences and budget. Instead, they provided insightful and well-considered advice tailored to my personal preferences, ultimately guiding me towards my next property. I am glad to have embarked on this journey with HausLife 5 years ago, and am more than satisfied with the level of service provided. They are true professionals who consistently goes above and beyond to act in the best interests of their clients!
Vivian Eng2024-02-19Erin and Sherwin are true gems - patient, meticulous, informative, and hardworking. They have my best interests at heart, always honest, and answered all my questions and doubts. They truly consider my unique needs and requirements, and tirelessly strive to secure the best deal for me. All in all, they went the extra mile to help me secure my first home, and I’m thankful for their help!
Jia Le Zhang2024-02-12Highly recommend Erin and Sherwin as the go-to real estate agents in Singapore. From our initial search to the completion of our first investment property, it took upwards of 1.5 years. My husband and I stay overseas, and we really needed someone we could trust to accommodate our travel dates (usually last minute) to Singapore. They were incredibly patient, accommodating of our changing requirements, and never pushy. They allowed us to gain a real understanding of various districts in the market and provided extremely detailed analysis and insights on what works given our purchase goal. They always acted in our best interest in all negotiations, and we are extremely satisfied with our purchase. We would strongly recommend them to anyone looking to purchase or sell their home in Singapore.
Dawn Ang2024-01-23An innocent conversation about whether I should sell my BTO for asset progression turned into a serious 1+ year journey with Erin and Sherwin. Right from the start, the amazing duo were very mindful of our needs and wants. Both of them were very detailed in their sharing, together with data-backed analysis, which definitely won us over. Erin and Sherwin were really patient with us as the house-searching took quite awhile (almost 6 months) before we finally found the one that ticked all the right boxes for us. Having to manage both the buying and selling timelines was stressful, but the both of them did it with finesse. On top of that, they also had to manage my tenant and the rental timeline, which added to the complicated situation. Given our very busy schedules, Erin and Sherwin were also able to dutifully remind us of all the key milestones that we needed to complete with HDB, the bank and the lawyers...etc. which we really appreciated as well. The dedication shown to us throughout the entire process from selling to buying to the collection of keys is unparalleled. Their responsibility, high efficacy and proactiveness really made working with them a breeze! Thank you Erin and Sherwin for all the help rendered to us. We will definitely be sure to come knocking on your doors again in time to come :)
Iylia Nurliyana Binte Shafie2023-12-31We were referred to Erin and Sherwin by friend of ours and working with them was an absolute breeze. From the moment we met, we had great chemistry and they were intuitive to our needs. Through their strategic marketing, we were able to find a buyer for our previous home in a short amount of time. When it came to buying our new place, Erin and Sherwin carefully went through our financials and were methodical in calculating our budget. They also made sure that our search for the next house was focused and tried hard to recommend units with our preferred area as we wanted to be close to our parents. It took us some time before we landed on the unit of our choice and throughout the process, Erin and Sherwin were very accommodating and patient with our questions and clarifications. They were also good at simplifying things to guide our decision making, which became super useful for us as we had a lot of factors to consider. What I like most when working with Erin and Sherwin is that they, at no point, gave us any pressure and allowed us to determine what was best for ourselves and our family. Thank you both for being excellent consultants and playing a significant role in the new chapter of our lives!
Dickson Koh2023-12-11I would like to express our utmost gratitude to Hauslife (Erin & Sherwin), our exceptional property agent, for their unwavering support and guidance during our home search late last year. As we embarked on the journey of finding a new home for our growing family, Hauslife exhibited an unparalleled level of professionalism, patience, and dedication. Their commitment to understanding our needs and priorities was evident as they meticulously explored all available options, ensuring we were presented with choices that aligned with our requirements. Hauslife went above and beyond, allowing us the time and space to thoroughly explore various houses before making a final decision. One remarkable aspect of their service was the proactive approach in assisting us with the financial aspect. Recognizing the importance of securing a favorable interest rate, Hauslife expedited the process with a local bank, ensuring that we benefited from competitive rates before any potential hikes. In summary, our experience with Hauslife has been nothing short of exceptional. Their expertise, genuine care, and dedication have not only simplified the home-buying process but also made it an enjoyable and stress-free experience. I wholeheartedly recommend Hauslife to anyone in search of a trustworthy and client-centric property agent. Thank you, Hauslife, for turning our quest for a new home into a seamless and delightful journey.
Khairul Anwar2023-10-16I am soooooo thankful for Sherwin and Erin for assisting my wife and I with our first home! They meticulously calculated our budget and layout the options for us. With their expertise and analysis, they will try their very best to cater to your needs and more! Thanks both for staying with us through thick and thin when we were choosing our future home. Like the Malay saying goes, "Baaaiiikkkkk!".
Geraldine Ho2023-10-12Erin and Sherwin were both so helpful during my 1st property purchase. They helped in every single aspects of my property owning journey and made it as seamless as possible, from identifying suitable developments, explaining the pros and cons of the developments, recommending good stacks, recommending bankers/lawyers, advising on repricing mortgage loans, to providing step-by-step to-do list upon TOP. I learnt so much from them and the detailed explanations from them made the whole journey so much less initimidating. Highly recommended agents, especially for first time property owners! Thank you HausLife, i love the view of my apartment!
