Minimum Occupation Period. Maximum Options in Property.
Your property.
Your options.
Your next chapter.
Clear property and mortgage insights for Singapore homeowners deciding what comes after MOP.
Compare staying, upgrading, right-sizing, freeing up cash or relocating before deciding your next move.
HDB · Condominium · Landed
Sell & Upgrade
Use your existing property position to explore a larger or more suitable home.
Find Out More
Right-size
Move into a home that better supports your present lifestyle, finances and longer-term plans.
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Hold & Grow
Assess whether retaining your property supports your wider housing and financial objectives.
Find Out MorePlan Smarter
Your next move starts with the right numbers.
Explore your estimated proceeds, affordability and financing position before deciding what to do next.
- MOP or SSD Readiness Checker
- Mortgage Repayment & Refinance Savings
- Affordability & Reverse Affordability
- Sales Proceeds & Stamp Duty
- Decoupling & Sell One, Buy Two
- Eligibility Checker & Buy First or Sell First
Property Affordability Estimator
Get a clearer picture of what's possible.
Property Type
Condominium
Household Monthly Income (S$)
8,000
Illustrative preview only - try the full calculator for your own numbers.
How It Works
A clear, four-step way to think about your next move.
Review
Understand your present property, mortgage and household position.
Calculate
Estimate the numbers that may shape your available options.
Compare
Compare selling, upgrading, right-sizing and holding scenarios.
Move Forward
Decide on a practical sequence for your next property move.
The People Behind MOP Freedom
Meet Amanda & Terence
We bring different strengths to the table, but share one purpose: helping you understand your options, work through the numbers and make your next property move with clarity.
Amanda Yap
Co-Founder, MOP Freedom ·
Property & Mortgage Strategist
Helping homeowners uncover the full value of their property, secure the right financing, and move forward with clarity and confidence.
20+ years in property · S$500M+ in mortgage loans transacted
CEA Registration Number: R009526I
Terence Ho
Co-Founder, MOP Freedom ·
Commercial & Growth Strategist
Helping homeowners assess market opportunities, financial trade-offs and longer-term value before deciding their next move.
15+ years in commercial leadership · S$48M portfolio managed
CEA Registration Number: R024625I
From the Blog
Useful answers for your next property move.
What Happens After Your HDB MOP?
MOP is an eligibility milestone, not an instruction to transact. Here is what actually changes, what stays exactly the same, and how to work out what to do next.
By Amanda Yap · 10 min read
Seller GuidesHow to Estimate Your HDB Sale Proceeds
Selling price is not the same as cash in hand. Here is exactly how outstanding loan, CPF refund and selling costs turn a headline price into what actually lands in your account.
By Amanda Yap · 9 min read
Sell or UpgradeSell, Upgrade or Hold: What Should You Do After MOP?
Once MOP is behind you, the useful question is no longer whether you can sell. It's which option leaves your household in the strongest position for what comes next.
By Terence Ho · 10 min read
Ready to understand your property options?
Start with a clearer view of your property position, mortgage and possible next steps.