Decoupling Is Irreversible - Show Clients the Full ABSD/TDSR Picture
When clients ask "Should we decouple now or later?", LEVR™ helps you show the TDSR, ABSD, and CPF implications with transparent math, so they can decide with full visibility.
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Questions Clients Will Ask
Anticipate scrutiny with transparent modeling.
- "When should we decouple?"
- "How much ABSD will we pay if we decouple now vs later?"
- "What if our income changes?"
- "Will decoupling affect our future borrowing capacity?"
- "What if we change our minds later?"
What LEVR™ Makes Visible
Show the constraints that make decoupling transparent.
Tactical Execution Milestones
Track key gates: MOP completion, SSD expiry windows, and financing approval checkpoints (IPA, LO).
ABSD Impact Analysis
See ABSD penalties for different decoupling timelines. Show clients estimated ABSD costs across timelines.
TDSR Implications
Show how income allocation affects borrowing capacity. Test scenarios where income changes or rates go up.
Income Allocation Scenarios
Compare different income allocation strategies. Show trade-offs between TDSR allocation and future flexibility.
What This Means for Your Practice
- Handle the highest-stakes decoupling cases with the same confidence as routine transactions
- Reduce back-and-forth. Clients see ABSD implications before they ask
Strategy Example
This use case demonstrates how LEVR™ can model property strategies. It is illustrative only and not personalized advice. Consult CEA-licensed property advisors and MAS-licensed financial advisors before making property decisions.
Actual results may vary based on:
- Financial situation and goals
- Property portfolio and timeline
- Risk tolerance and constraints
- Tax and regulatory circumstances
Related Resources
ABSD Calculator
Estimate ABSD implications of decoupling scenarios
TDSR Calculator
Check if the solo owner can afford the first property loan alone
Stamp Duty Calculator
Calculate BSD on the property transfer during decoupling
Second Property Strategy
Compare decoupling vs other second property strategies
Upgrade Planning
Should you decouple or sell first when upgrading?
Ready to Model Decoupling Scenarios?
Start free. Build a decoupling scenario. Show clients the transparent ABSD and TDSR math.
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