Home About Services Listings New Launches Districts Buyers Guide Sellers Guide InsightsFAQ Track Record Testimonials Contact Book a call

Free Money, Timing & Safety Self-Assessment

Property Progression Score

Answer 14 quick questions across Money, Timing and Safety. Get your score out of 100 and a point by point breakdown instantly. No sign up, no gate.

01 Money — can you afford it: equity, CPF, cash, income, TDSR headroom

1. How would you describe the equity in your current property (value minus outstanding loan)?

2. What is your combined CPF Ordinary Account and Special Account balance available for property or investment?

3. How many months of expenses does your cash savings buffer, outside CPF, cover?

4. Beyond property and CPF, do you hold other liquid assets (stocks, bonds, unit trusts, fixed deposits)?

5. How would you describe your household income stability?

6. Roughly how much headroom do you have under the TDSR 55% cap?

7. Do you carry other regular commitments (car loan, personal loan, credit card balances, family support)?

8. How would you describe your monthly budget after all commitments, including dependents?

02 Timing — current property, timeline, upgrade intent

9. What best describes your current property situation?

10. What is your timeline for your next property move, if any?

11. How clear is your progression pathway (for example HDB to EC to private, or hold versus upgrade versus right size)?

03 Safety — rate exposure, lock in, insurance, contingency

12. Where do you stand on your mortgage rate and lock in period?

13. How would you describe your insurance coverage tied to the property (mortgage reducing term, life, critical illness)?

14. If mortgage rates rose by 1 to 2 percentage points, how would your household be affected?

0 of 14 answered

This score is an educational self assessment, not financial advice. For illustration only. CEA R073319H.

0 out of 100 Foundation

This score is an educational self assessment, not financial advice. It does not constitute a recommendation to buy, sell, or refinance.

Optional. Your score and breakdown above stay fully visible either way, no email required.

Book the free Property Portfolio Analysis

Want the full picture?

A score is a snapshot. The Property Portfolio Analysis is the full picture.

The Progression Score gives you a directional read in 5 minutes. The full Property Portfolio Analysis goes deeper, covering your actual numbers across Money, Timing and Safety, with Winfred, at no cost.

Book the free Property Portfolio Analysis