HDB Home Selling in Singapore:
Can You Really Sell Without an Agent?

HDB Home Selling in Singapore:
Can You Really Sell Without an Agent?

HDB Home Selling in Singapore:
Can You Really Sell Without an Agent?

You can sell your HDB flat yourself by handling the listing, viewings, and paperwork — and avoid paying 2–3% in agent commissions.

Many homeowners now turn to services like Cosell, which bridges the gap:

for just $2,699 (GST inclusive), Cosell provides professional marketing and expert support, while you manage viewings and keep full control of the process.

This step-by-step guide will show you exactly how to sell your HDB flat yourself — from pricing to paperwork — with tips to help you save time, avoid mistakes, and get the best price.

1. Why Do People Sell Their HDB Without an Agent?

1. Why Do People Sell Their Property
Without an Agent?

1. Why Do People Sell Their Property
Without an Agent?

The main reasons homeowners opt for DIY selling:

✅ Save on agent commission

✅ More control over your sales

✅ Flexible viewing schedule

✅ Transparency

The main reasons homeowners opt for DIY selling:

✅ Save on agent commission

✅ More control over your sales

✅ Flexible viewing schedule

✅ Transparency

2. What Are the Challenges of DIY HDB Selling?

2. What Are the Challenges of
DIY Home Selling?

2. What Are the Challenges of
DIY Home Selling?

While DIY selling can save money, it also comes with hurdles:

🚧 Pricing the property right
Overpricing leads to no offers,
underpricing leaves money
on the table.

🚧 Marketing exposure
Agents have access to buyer and
agent networks and portals like
PropertyGuru and 99.co,
which individuals don’t.

🚧 Handling negotiations
Buyers may try to lowball you,
and handling objections
professionally is key.

🚧 Paperwork & legalities
From Option to Purchase (OTP) to conveyancing, there’s paperwork to manage, and missing deadlines can cause delays or even legal issues.

While DIY selling can save money, it also comes with hurdles:

🚧 Pricing the property right
Overpricing leads to no offers,
underpricing leaves money
on the table.

🚧 Marketing exposure
Agents have access to buyer and
agent networks and portals like
PropertyGuru and 99.co,
which individuals don’t.

🚧 Handling negotiations
Buyers may try to lowball you,
and handling objections
professionally is key.

🚧 Paperwork & legalities
From Option to Purchase (OTP) to conveyancing, there’s paperwork to manage, and missing deadlines can cause delays or even legal issues.

Step-by-Step: Selling Without a Property Agent

3. How to Successfully Sell Your
Property Without an Agent

3. How to Successfully Sell Your
Property Without an Agent

If you’re determined to go the DIY route, follow these steps:

Step 1: Research & Price Your Property Correctly

✅ Use HDB Resale Price Index (for HDBs) to check past transactions.


✅ Compare prices of similar listings on 99.co, PropertyGuru, and SRX.


✅ Get a valuation from platforms like SRX or Sorealprop for reference.


Tip: Overpricing is the #1 reason DIY listings get no calls.

If you’re determined to go the DIY route, follow these steps:

Step 1: Research & Price Your
Property Correctly

✅ Use HDB Resale Price Index (for HDBs) to check past transactions.


✅ Compare prices of similar listings on 99.co, PropertyGuru, and SRX.


✅ Get a valuation from platforms like SRX or Sorealprop for reference.

Step 2: Prepare Your Property for Sale

Step 2: Prepare Your Property
for Sale

how to sell your hdb without agent diy resale hdb sell cheap cosell fixed flat fee
how to sell your hdb without agent diy resale hdb sell cheap cosell fixed flat fee


✅Declutter and stage your home for viewings.


✅ Invest in good lighting and take high-quality photos.


✅ Minor repairs (paint touch-ups, fixing leaks) can make a big difference.


✅ Declutter and stage your home for viewings.


✅ Invest in good lighting and take high-quality photos.


✅ Minor repairs (paint touch-ups, fixing leaks) can make a big difference.

Step 3: List Your Property on the Right Platforms

As an individual, you may not have access to premium listing sites, but you can still market your property effectively:

✅ HDB Resale Portals and Carousell Property – Free and used by direct buyers.

✅ 99.co - While homeowners can technically post listings, these are primarily visible to agents on the platform.

✅ Facebook Groups – Many “Buy/Sell/Rent Property in Singapore” groups exist.

✅ Word of Mouth – Ask friends, family, and colleagues if they know potential buyers.

Step 3: List Your Property on
the Right Platforms

As an individual, you may not have access to premium listing sites, but you can still market your property effectively:

✅ HDB Resale Portals and Carousell Property – Free and used by direct buyers.

✅ Facebook Groups – Many “Buy/Sell/Rent Property in Singapore” groups exist.

✅ Word of Mouth – Ask friends, family, and colleagues if they know potential buyers.

Step 4: Conduct Viewings Professionally

✅ Be punctual and polite.


✅ Highlight key selling points

(e.g., unblocked views, MRT proximity, recent renovations).


✅ Be prepared for buyer questions about maintenance fees, past transactions, etc.

Step 3: List Your Property on
the Right Platforms

As an individual, you may not have access to premium listing sites, but you can still market your property effectively:

✅ HDB Resale Portals and Carousell Property – Free and used by direct buyers.

✅ Facebook Groups – Many “Buy/Sell/Rent Property in Singapore” groups exist.

✅ Word of Mouth – Ask friends, family, and colleagues if they know potential buyers.

Step 5: Negotiate & Handle Paperwork

✅ Understand buyer tactics—some will test with a low offer first.


✅ Prepare your Option to Purchase (OTP) agreement


✅ Liaise with Buyer and agree on a date to exercise the OTP and submit the HDB Resale Application.


✅ Attend completion appointment to complete paperwork and handover keys at HDB hub.

Step 5: Negotiate & Handle Paperwork

✅ Understand buyer tactics—some will test with a low offer first.


✅ Prepare your Option to Purchase (OTP) agreement


✅ Liaise with Buyer and agree on a date to exercise the OTP and submit the HDB Resale Application.


✅ Attend completion appointment to complete paperwork and handover keys at HDB hub.

4. The Alternative: Fixed-Fee Selling
(Best of Both Worlds)

4. The Alternative: Fixed-Fee Selling
(Best of Both Worlds)

If selling HDB on your own feels overwhelming, but you still want to save on agent fees, fixed-fee property services like Cosell offer a smart middle ground.

✅ Fixed fee
Transparent pricing, no surprise costs.

✅ Marketing exposure
Get your listing on major property
platforms and
buyers/agents network.

✅ Professional guidance
You handle viewings, we handle the rest (paperwork, negotiations, etc.).

If DIY selling feels overwhelming, but you still want to save on agent fees, fixed-fee property services like
Cosell offer a smart middle ground.

✅ Fixed fee
Transparent pricing, no surprise costs.

✅ Marketing exposure
Get your listing on major property platforms and
buyers/agents network.

✅ Professional guidance
You handle viewings, we handle the rest (paperwork, negotiations, etc.).

5. Is HDB DIY Selling Right for You?

5. Is HDB DIY Selling Right for You?

💡 DIY selling is for you if:

✔️ You’re comfortable handling marketing, negotiations, and paperwork.

✔️ You have time to manage viewings and inquiries.

✔️ You’re confident in pricing your property correctly.

💡 Consider a fixed-fee service if:

✔️ You want to save on agent fees but still need marketing and paperwork assistance.

✔️ You want a stress-free process while still maintaining control over viewings.

💡 DIY selling is for you if:

✔️ You’re comfortable handling marketing, negotiations, and paperwork.

✔️ You have time to manage viewings and inquiries.

✔️ You’re confident in pricing your property correctly.

💡 Consider a fixed-fee service if:

✔️ You want to save on agent fees but still need marketing and paperwork assistance.

✔️ You want a stress-free process while still maintaining control over viewings.

Conclusion

Conclusion

Selling HDB in Singapore without an agent is absolutely possible—but it’s not for everyone.

If you have the time and confidence, this route can save you thousands.

If you prefer a structured, hassle-free approach while avoiding hefty commissions, a fixed fee service like Cosell might be the perfect balance

Selling HDB in Singapore without an agent is absolutely possible—but it’s not for everyone.

If you have the time and confidence, this route can save you thousands.

If you prefer a structured, hassle-free approach while avoiding hefty commissions, a fixed fee service like Cosell might be the perfect balance

👉 Thinking of selling?
Check out Cosell’s fixed fee service
and see how much you can save!

👉 Thinking of selling?
Check out Cosell’s fixed fee service
and see how much you can save!