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REAL ESTATE AND PROPERTY LAW

Circular Law Chamber's Real Estate and Property Law practice is well-regarded in Singapore for its dedicated and efficient service in handling a diverse range of property transactions such as:

  • Sale & Purchase of Shophouses, Residential, Commercial & Industrial Properties
  • Restructuring of Loans, Mortgages & Property Portfolio
  • Tenancy/ Lease Agreements
  • Drafting & Advising on Options/Agreements
  • Refinancing
  • Severance of Manner of Holding
  • Withdrawal of CPF Savings
  • Properties held in trust
  • Collective Sales
  • “Decoupling “ or Fractional Purchase of Properties
  • Transfer of Properties Pursuant to a Divorce Court Order
  • Amalgamation of lots
  • Purchase of Recess Areas of HDB flats
  • Privatization of Properties
  • Restructuring of Property Portfolio
  • Structuring of Home Ownership


Our real estate and property law team is supported by lawyers, conveyancing executives and support staff who help clients manage property matters with clear communication and careful document handling.

The practice is led by experienced lawyers and supports a wide client base, including local and foreign individuals, corporations, banks and financial institutions. This allows the firm to advise on both personal and commercial property matters in Singapore.

Circular Law Chambers is on the panel of conveyancing lawyers for all major banks in Singapore and is also on the panel for the CPF Board. This can be important for clients whose property matters involve bank financing, CPF usage, refinancing or mortgage redemption, as appointing a suitable panel law firm may help reduce unnecessary duplication of legal representation.
Specialists

Debbie Brittany Lim

Partner
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Joelle Foo

Managing Associate
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How Our Property Lawyers Can Help

Property matters can involve different legal requirements depending on the type of property, financing arrangement and ownership structure. Circular Law Chambers assists with the following areas of real estate and property law.

Sale and Purchase of Property

We assist with the sale and purchase of residential, commercial, industrial and shophouse properties. This includes advising on Options to Purchase, Sale and Purchase Agreements, completion documents and key transaction steps.

Refinancing, Mortgages and CPF Matters

We advise on refinancing, restructuring of loans, mortgage redemption, withdrawal of CPF savings and bank-related property matters.

Tenancy and Lease Agreements

We assist landlords, tenants and businesses with tenancy and lease agreements, including drafting, review and advice on key contractual terms.

Property Ownership, Trusts and Transfers

We assist with properties held in trust, severance of manner of holding, decoupling or fractional purchase, transfer of property pursuant to divorce court orders and structuring of home ownership.

Other Property-Related Matters

We also advise on collective sales, amalgamation of lots, purchase of recess areas of HDB flats, privatisation of properties and restructuring of property portfolios.

Why Choose Circular Law Chambers for Property Law Matters?

Property matters can involve strict timelines, multiple parties and important financial consequences. Our team focuses on helping clients understand the legal process clearly, manage required documents properly and meet key completion requirements.

Circular Law Chambers has experience acting for local and foreign individuals, corporations, banks and financial institutions in a wide range of real estate and property law matters. Our team is supported by lawyers, conveyancing executives and support staff who handle each matter with attention to both legal requirements and client service.

Circular Law Chambers is also on the panel of conveyancing lawyers for all major banks in Singapore and on the panel for the CPF Board. This is important for clients whose property matters involve bank financing, CPF usage, refinancing or mortgage redemption.

When Should You Speak to a Property Lawyer?

Getting advice early can help you understand the documents, deadlines, payment obligations and legal risks before you commit to the transaction. This is especially important where the matter involves multiple parties, tight completion timelines or financing requirements.

FREQUENTLY ASKED QUESTIONS

1. I am a Foreigner; can I buy real estate in Singapore?

Under the Residential Property Act, if you are not a citizen of Singapore, you may acquire only certain types residential property without the express permission of the Minister of Law. A Foreigner can purchase the following types of properties without having to seek approval from the Land Dealings Approval Unit – condominium unit, private apartments, strata landed house in an approved condominium development, shophouse which are approved for commercial use, industrial and commercial properties, hotel (registered under the provisions of the Hotels Act), executive condominium unit which TOP was issued more than 10 years ago.

2. I have just obtained an Option, what do I do now?

It is advisable that you see your Banker or a mortgage broker to secure a loan to purchase the property. At the same time, you should appoint a lawyer to conduct the preliminary searches and advise on the purchase process as well as the terms of the option.

3. I have just sold a property and granted an Option to the purchaser, what do I do now?

You are strongly advised to engage a lawyer who would be able to monitor the deadline for exercising the Option and serve the requisite Notice of Redemption on the mortgagee and CPF Board (if applicable).

4. Why should I make sure that my lawyer is on my bank's pannel of conveyancing lawyers?

If your lawyer is not on the bank's panel of conveyancing lawyer, this could lead to extra charges. Here at Circular Law Chambers, we are on the panel for all major banks in Singapore and also on the panel for the CPF Board. By appointing us to act for you, you could avoid having to pay extra charges.

5. I want to redeem the mortgage on my property, what information do I need to provide my lawyers with?

Before you serve the Notice of Redemption on your existing mortgagee, you should ascertain whether you are within any "lock in" or "claw back" penalty period, whether you are required to redeem only on an interest reset date and whether there is a cancellation fee on any undisbursed portion of your existing loan.

6. How come I have not heard back from lawyer after they have served the Redemption Notice on my existing Bank?

After we have served the Redemption Notice on your existing Bank, there will be a period of silence and inactivity but please do not be alarmed as you are required to wait out the 2 or 3 months' notice required by your existing Bank. We will contact you to sign the security documents about 2 to 3 weeks before the completion date of the redemption.

Disclaimer Circular Law Chambers LLP maintains this website to provide information about the firm, its legal services, its lawyers, and various legal topics. The material is for general informational purposes only and does not constitute legal advice. This information is not intended to substitute for obtaining legal advice from a lawyer. No person should act or rely on any information in this presentation, information contained in this website without seeking the advice of a lawyer.It is advisable that advice on legal matters should be sought from a competent lawyer. The determination of the need for legal services and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements or self-proclaimed expertise. Nor should it be based solely upon this presentation or information contained on this website.