Free · No forms · No sign-up
Straight answers.Pick your question.
Seven tools, one habit: numbers before adjectives, and a straight answer even when the answer is "don't". Everything is free; the only thing any of them ask for is a postal code at most.
The Upgrade Report
Your postal code → what your flat earned, the equity inside it, and the condo it can carry you to. Ten seconds, no forms.
Type 6 digits → 02 · For anyone holding a pitchThe Red Pen
Another agent's deck or valuation, checked against real transactions and returned marked in red. Free, private, one day.
Send a pitch →What Rate Should You Be Paying?
The facts, the lowest rates we track, and five taps to see which packages fit you.
→ 04Refinance Timeline
Your lock-in date in, the week you must lodge out. Every milestone, dated.
→ 05Buy or Bye
Real listings graded in public, sealed to the ledger. Send yours.
→ 06The Kiasu Index
Market emotion, 0–100, every Monday. What it means for your move.
→ 07The Window
Is your block's selling window opening or closing? Six digits shows.
→ 08The Verdict Ledger
Every call we've made, sealed and dated — including the wrong ones.
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Benjamin Tan · CTB Realty
CEA-registered. Every tool here runs on public data with the assumptions published, and every conversation starts on WhatsApp with me — not a form, not a call centre.