ABOUT SKYSTONE
Skystone is an integrated real estate solutioning platform.
We help curate and sanitize your journey. We empower you with frameworks allowing you to confidently choose your most suitable asset.
We help you calculate and right-size your investment commitment, and pair it with the appropriate financing structure, which optimizes your risk-adjusted return.
We facilitate the selection and establishment of ownership structures (trusts, companies, funds) according to your portfolio composition and trajectory. We do this by considering the embedded financing structures, all stakeholder and beneficiary profiles, and the associated corporate and personal tax implications.
Guard-rails eliminating legacy transmission attrition and leakages like the writing of wills, lasting power of attorney, and mortgage insurance will be included in your journey.
We believe that if we square-off your downside risks, the upside looks after itself. We will future-proof your wealth and your legacy.
Real Estate Services
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ASSET MANAGEMENT
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INVESTMENT ACADEMY
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Real Estate Services • ASSET MANAGEMENT • INVESTMENT ACADEMY •
We don’t sell to you. We empower you to make your own decisions.
Have you felt pressured and hard-sold to at showflats and viewings? Are you anxious about not having a curator to check your blindspots, and ask the questions you do not know to ask?
In our experience with clients’ journeys, viewing property is downstream from more fundamental journey markers, which we have packaged into a holistic framework — Skystone 360⁰.
The Skystone 360⁰ framework is contextualized with your personal requirements and aspirations. It starts by deploying a checklist to help you form opinions about Singapore property price trajectories.
Skystone 360⁰ sanitizes the eligibility, timeline and financial components of your journey, such as using proprietary calculators to go beyond affordability and ensure you don’t over-commit.
It provides a framework to help you decide between a new launch or resale in a given locale, including a proprietary calculator to optimize the trade-off between the property’s price and age.
You will have access to our in-house real-time dashboard to curate all live projects across Singapore, as many as 100+ projects- by developer, by starting sizes, quantums and their specs, by site usage intensity and features, by walking distance in minutes to MRTs, proximity to Primary Schools. This quickly filters out irrelevant and unsuitable products.
We will handhold you through every step of the journey from “option” to “completion”.
Our ecosystem provides a one-stop solution including structuring, mortgage comparisons, legal conveyance and insurance. We will set you up on a trajectory with the most optimized structure so that you can scale your portfolio, and exit or transmit with minimal leakages in the future.
Pause. Breathe. We will curate your journey, we will keep you safe.
Property Journey Curation
Property Refinancing & Restructuring
We advocate for sensible and safe productisation of leverage.
Skystone Asset Management (SAM) is a Capital Markets Services Licensee, regulated by the Monetary Authority of Singapore (MAS). SAM manages investment funds on behalf of qualified investors under an umbrella Variable Capital Company (VCC).
SAM offers mortgage refinancing for Singapore based property. Refinancing your mortgage loan involves replacing your existing loan with a new one from a different lender. This can be done for a variety of reasons, such as to get a lower interest rate, to shorten or lengthen your loan term depending on your goals, or to cash out some of your equity to use for other purposes, such as home renovations or to invest.
We also offer property development financing options including bridging loans, mezzanine financing, addition and alterations reconstruction financing, and ground-up construction financing. We facilitate private investor clubs’ formalization and legitimization into real estate investment trusts (REITs) structures.
Property Investment Course
Unpack the financial and real estate theory behind the actionable framework of Skystone 360°.
Let’s start from ground zero. Why property as an asset class to even begin with? Let’s align on what is definitively “financial independence”, and how to set up your trajectory towards said independence using a portfolio of active and passive income strategies.
We explain time value of money with relevant calculations to enhance your appreciation of what Einstein famously referred to as the eighth wonder of the world- compounding interest. We then layer this against the structure of a property investment to explain the factors that optimize the union of “property+leverage”, hence defining repeatability and scale.
We compare “property+leverage” among common and popular assets on a risk-adjusted basis- the foundational block of portfolio allocation.
We will compare “property+leverage” structures across different entities- Trusts, IHCs, Funds- for eligibility, serviceability, liabilities and tax. We examine legacy transmission of such entities. We help you appreciate that different practitioners may use the same terms but operate completely different structures beneath, and what that means for your rights, control and profitability.
We shed light on some nuances of the Singapore property market, such as foreigners from five countries being exempted from the additional buyer stamp duty of 60%; or the fact that Singapore property developers cannot access buyers’ funds directly because all proceeds are escrowed by the government.
We will unpack the demand and supply levers of Singapore’s property market across different segments, offering you a system to discover pockets of opportunity over time. We will debunk some myths about “en-bloc” to flush out untenable plays and save you opportunity cost.
We share this knowledge, because if knowledge is power, we want to send more power to you.
Our ECOSYSTEM
Your Friends Win, You Win, We Win Together
Our
Proof-Of-Value
“Stanley is very knowledgeable about the property market. He does good and in-depth research and keeps in constant contact with his clients and prospects.
He makes an effort to examine all property types and has shown that he has the ability and tenacity to see a deal through.”
Allan Yeo
Educator & Real Estate Investor
“Stanley provides very prompt and quality advice regarding property investment, and has an extensive knowledge of the property market.
He is the go-to guy for your property investment queries!”
Bryan Sio
Director, Concord Associates
“Working with Stanley was an awesome experience. Not only did he play his part, but he went above and beyond. His involvement in my project was an eye opener.”
David Baey
CEO & Founder, Mortgage Master
“Stanley was highly professional and delivered very positive results for our company. Highly recommended.”
Domenic Carosa
Founder & Chairman at Banxa
“Stanley is the full package. His insights are fundamentally sound, and his transaction management skills for bespoke and complicated deals is impressive.
Can’t wait to bring him into my entrepreneurs network!”
David Loke
Business Coach; CEO & Founder of ReadySpace
“It's so hard to find a representative you trust for a property transaction that can be very complicated and daunting. Stanley made us feel safe, that he was on our side, and that he had our best interests at heart.”
Karen Shih
Assistant Director (Audit), Prudential Services Singapore
“Stanley provides a holistic bird’s eye perspective of the market and is able to breakdown information into constructive insights for practical use and application. He is also clear in his view and delivery of market analysis thus making it easy for the layman to understand and benefit from his knowledge on the subject matter.”
Pei Shan, Chu
Real Estate Investor
“Stanley’s access to viable and relevant investors was tested in the challenging environment amidst the covid-19 induced market meltdown,
and he delivered.”
Thomas Laboulle
CEO & Founder at Toku
CAREERS
When how you get there matters more than getting there.
The boomers held lifelong vocations, in tandem with business cycles which spanned as long as 45 to 50 years.
Gen Zs are expected to average 10 careers in their journey, while Gen Alphas are schooling for vocations that do not yet exist.
Which andragogy best equips one for the internet 5.0 and work 5.0, in which business cycles last but all of 3-years?
It is no longer about a degree; it is about stacking relevant skillsets.