1) Set your real budget
Calculate your all-in budget including downpayment, BSD/ABSD (if applicable), legal fees, renovation, and buffer.
2) Get financing clarity
Secure an in-principle approval and compare bank packages (fixed vs floating), lock-ins, and penalties.
3) Shortlist by lifestyle + numbers
Evaluate commute, amenities, lease, maintenance fees, and transaction comparables for target developments.
4) Perform due diligence
Check caveats, strata details, major works, and legal constraints before issuing OTP or signing S&P.
5) Execute with timeline control
Coordinate valuation, legal milestones, and completion timeline to avoid avoidable delays and penalties.