BTO Renovation Singapore — From $25,000
First-time homeowner? I specialise in BTO flat renovations.
In-house loan available. No bank approval. 5-year warranty.
How Your BTO Renovation Works
From first call to moving in — here's what to expect
Free Consultation
Share your vision and budget. I'll visit your BTO (or review your floor plan) and provide a transparent quote within 24 hours.
Design & Planning
Review 3D designs and material selections. I'll handle all HDB permits and approvals — you just approve the final design.
Renovation
Professional execution with weekly updates. I personally oversee every stage to ensure quality and timeline.
Move In
Final walkthrough and handover. Move into your dream home with a 5-year warranty for peace of mind.
BTO Renovation Made Easy
In-House Renovation Loan
Get financing at just 1.48% p.a. No bank approval needed. Fast approval process.
First-Timer Friendly
We guide you through every step. From design to permits to completion.
HDB Permits Handled
We handle all BTO renovation permits and approvals. You just relax.
Move-In Ready
Coordinate with your key collection. Move in right after renovation.
Packages For Every BTO Size
All packages include design, renovation, permits, and 5-year warranty
3-Room BTO
- Full interior design
- Kitchen & bathroom
- Flooring & painting
- Electrical works
- 5-year warranty
4-Room BTO
- Full interior design
- Premium kitchen & bath
- Aircon installation
- Electrical & plumbing
- 5-year warranty
5-Room BTO
- Luxury finishes
- Premium appliances
- Smart home ready
- Custom carpentry
- 5-year warranty
BTO Renovation Loan
Don't let budget hold you back. My company, M+L Associates, offers an in-house renovation loan to help you create your dream home now.
- Interest from 1.48% p.a.
- No bank approval needed
- Fast approval (within days)
- Flexible repayment terms
Starting interest rate
What BTO Owners Say
"As a first-time homeowner, choosing the right ID was scary but critical. Thankfully managed to meet Mike and Richard who guided us through everything. Highly recommended!"
"Special thanks to Mr Mike for providing knowledge on pros and cons of our renovation and the loan provided & Mr Richard for creating a place we called home."
Common BTO Renovation Questions
When should I start planning my BTO renovation?
Ideally 3-6 months before key collection. This gives enough time for design, permits, and scheduling. Contact me even if you haven't collected keys yet — I can work from your floor plan.
Can I use CPF for BTO renovation?
You cannot use CPF OA directly for renovation. However, my company offers an in-house renovation loan at 1.48% p.a. with no bank approval needed — perfect for first-time homeowners.
What if my BTO key collection is delayed?
No problem. I'll adjust your renovation schedule accordingly. Many of my clients book early and we simply shift the timeline when HDB confirms your new date.
How long does BTO renovation take?
Typically 6-10 weeks depending on scope. 3-room BTOs take about 6-8 weeks, while 4-5 room BTOs take 8-10 weeks. I'll give you a clear timeline upfront.
Do you handle HDB permits for BTO?
Yes, I handle everything — renovation permits, electrical, plumbing approvals. You don't need to queue at HDB. I take care of all the paperwork.
What's included in the BTO package price?
Design consultation, all renovation works (hacking, masonry, carpentry, plumbing, electrical, painting, flooring), HDB permits, and 5-year warranty. No hidden costs.
Get Your BTO Renovation Quote
Getting your keys soon? Start planning early. Contact Richard for a free BTO consultation.