Disclaimer
This covers everything Freedom Age publishes: the free page, the guides, the Freedom Plan, a plan shared with you at a private link, and the consultation.
Who we are, and what we are not
Freedom Age (getfreedomage.com) is a planning tool run by NAVARO Pte Ltd, a property analytics company at 60 Paya Lebar Road, #06-28 Paya Lebar Square, Singapore 409051. We are not a licensed estate agent under the Estate Agents Act 2010, a licensed appraiser under the Appraisers Act 1906, a valuer accredited by the Singapore Institute of Surveyors and Valuers, or a financial adviser. We do no estate agency work: we do not represent buyers or sellers, and we do not market, broker or negotiate any property.
Consultations, and how we are paid for them
A consultation is a session with a property salesperson registered with the Council for Estate Agencies (CEA). The salesperson works for a partner agency, not for NAVARO, and you will have their name and CEA registration number before the session.
- NAVARO pays a fixed fee for each session held, whether or not you ever buy or sell.
- If you later buy or sell through that salesperson, their agency pays NAVARO a referral fee out of its own commission: 20% of the commission the agency earns on that transaction.
You pay nothing extra. Any fee you pay the salesperson is never higher because we referred you. Your plan is yours whatever you decide, and you are free to take it to any agent, or to none.
An illustration, not a forecast
Every figure here, on the free page and in every plan, is computed by our own methods from the figures you give us, recorded transactions and rental contracts, and public data, on stated assumptions and the loan, stamp duty, HDB and CPF rules in force on the date shown. None of it forecasts a price, a rent or a return, and none of it is advice to buy, sell, hold, borrow, decouple or restructure.
A plan shared with you at a private link is a snapshot of the day it was made, and it does not change afterwards. Where it says NAVARO assumed something, for example that a loan commitment ends by a certain date, that is our assumption and not something you told us, and the figures that rest on it are a scenario, not a fact.
Banks, HDB, CPF and IRAS decide, not us
A maximum loan or purchase price here follows the published rules (the 55% Total Debt Servicing Ratio, the stress-test interest rate and the loan-to-value limits) on the income and commitments you gave us. It is not a loan approval: only a bank decides what it will lend. Only IRAS, HDB and the CPF Board decide stamp duties, grants and the use of CPF savings, and only a lawyer completes a sale, a purchase or a decoupling. Rules change, and a plan is only as current as the date on it.
Not a valuation
The value of your home is an indicative estimate from recorded transactions. It is not a formal valuation, a bank valuation or an appraisal, and it is not for any lending, tax, stamp duty, probate, matrimonial, insurance, court or other legal purpose. A bank's own valuer may arrive at a different figure, sometimes by a wide margin. Never plan a purchase, a loan amount or a cash shortfall on our number alone.
Not advice, so check before you act
This is analytical output, not financial, investment, tax, legal or valuation advice. It does not take account of your full financial situation, needs or objectives, and nothing here is an offer, a recommendation or an inducement to buy, sell, hold or finance any property. Nothing here relates to real estate investment trusts, securities or any other capital markets product.
Before you commit, get a formal valuation, speak to your bank, and check your CPF and HDB position against your own records. Your own lawyer, banker, tax adviser and a licensed property professional are the people to check your situation.
What the data can and cannot see
Transaction records lag, are sometimes revised, and can be incomplete, and no figure can see a particular unit's condition, renovation, outlook, layout, tenancy, defects, legal status or collective sale prospects. A figure marked estimated is modelled, not recorded. Prices can fall as well as rise, and what happened before need not happen again.
Condominium sales and rental contracts are URA data, through Headroom, NAVARO's condominium analytics. HDB resale and rental records come from the Housing and Development Board through Flatworth, NAVARO's HDB engine. Addresses and postal codes come from OneMap (Singapore Land Authority). Datasets published on data.gov.sg are used under the Singapore Open Data Licence version 1.0 at https://data.gov.sg/open-data-licence. Those agencies provide their data as is, with no warranty of accuracy or completeness. What we compute from it is ours, not theirs, and nothing here is endorsed by or associated with URA, HDB, SLA, the CPF Board, IRAS, MAS or any other government agency.
Your use, and our liability
You use this site and any plan at your own risk, and the decisions you take are yours. We take reasonable care to compute from reliable and complete information, but we do not warrant that any figure is accurate, complete, current or fit for a particular purpose.
To the fullest extent the law allows, we are not liable for any indirect or consequential loss, or for any loss of profit, opportunity, goodwill or anticipated saving, however it arises. Where we are liable to you for any other loss and that liability cannot lawfully be excluded, it is limited to the amount you paid us for the plan in question, which is nothing for the free page.
Nothing here excludes or limits our liability for fraud or fraudulent misrepresentation, for death or personal injury caused by our negligence, or for any other liability that cannot lawfully be excluded or limited under Singapore law. If any part of this section is held to be unenforceable, the rest of it still applies.