Help your children buy, without risking your own income.
Stamp duty, ownership and timing decide what a family move really costs. Check the biggest line first.
Check the stamp before you sign
Additional Buyer's Stamp Duty is the line most families underestimate.
Second residential property rates, as at October 2026. Verify with IRAS before committing.
Three ways families structure it
Decoupling
One spouse buys out the other’s share so the other can buy as a first-time owner. Saves ABSD, but costs stamp duty, legal fees and sometimes a CPF refund.
Sell 1, buy 2
Sell the family home and buy two smaller homes, held so neither purchase attracts ABSD. Timing and loan limits matter.
Wait, then help
Secure your own CPF LIFE floor first and help with a down payment instead of co-owning. Simplest, slowest.
Each route has legal and tax consequences. Get advice on your specific situation before acting.
Hi, I'm Ali.
I'm a property consultant with PropNex (CEA R068687C). I help owners in their 50s and 60s plan the move that pays for retirement, and I show every number before we talk about listing anything.