For HDB property agents · Singapore
Anticipate ahead.
In minutes.
HDB transactions involve complex rules and variables that can make or break a deal. DealOwl maps every dollar at every stage, giving you clarity and helping you avoid potential issues—even seasoned realtors may miss.
Get StartedThe problem
Client shows up short at a milestone.
Cobroke gets called.
Deal falls apart.
Option fees, ABSD, legal fees, CPF OA, refunds and reimbursements — each at different stages.
DealOwl flags potential issues when funds are insufficient and required at certain milestones — because not everything is due on completion date.
Oh, by the way — did we mention the calculator includes resale to BTO transactions?
The solution
A single tool that helps to plan payments in advance. You save hours and de-risk thousands.
Most platforms calculate sale proceeds or HDB affordability, but not both — nor do they tally the cash and CPF remaining after completion. That sends realtors back to Excel, costing hours every deal, with a real possibility for mishaps.
DealOwl fixes that.
01
Full payment breakdown
Every fee at every stage. Cash vs CPF split across option, stamp duty, legal, and downpayment.
02
Sale + purchase together
Both transactions in one place. Proceeds, refunds, and purchasing power all in a single view.
03
Loan-type aware
Bank loan, 1st HDB, 2nd HDB, or no loan. Payment logic adjusts automatically.
04
Client-ready timeline
Set the OTP date, milestones auto-populate. Hand your client a clean summary they can actually follow.
The creators
DealOwl is made by two friends in Singapore.
Derek Tan is a realtor. Most of his work is in HDB resale, and he's seen plenty of deals get messy because a payment caught someone off guard.
The app itself is built by Kesh, a friend who does design and software. Derek explains how the deals actually run, and Kesh turns that into an easy to use tool.
DealOwl started as a tool for Derek's own deals. We cleaned it up so other agents can use it too.
