About listed properties

Urby features high-quality, well-established landed freehold sub-sale properties, carefully selected for their stability and investment potential. These homes  fall into two categories:

• Co-Owned Homes: Homs purchased with aspiring homeowners, where the homeowner takes on the responsibility of maintaining, managing, and residing in the property. This allows investors like you to benefit from the property’s long-term capital appreciation without day-to-day management or upkeep.
• FastTrack Homes: Homes fully acquired by UrbanWave at, then renovated and upgraded to modern standards before being matched with a future homeowner.

Yes. From acquisition to renovation to sale, FastTrack homes are fully managed by UrbanWave until matched with a homeowner.

For Co-owned homes, the homeowner bears responsibility for renovation cost management.

New properties are added as and when we acquire a house fully or through our co-ownership program with homeowners. There is no fixed schedule for property additions.

Properties are selected by our Listing partner(s), currently UrbanWave. UrbanWave relies on Nowcast, a proprietary AI model, to guide property selection by evaluating critical factors that contribute to a property’s value. These includes:

Geographical Data: Exact coordinates, building type, tenure, and both lot and built-up sizes.

Accessibility: Distance to key points of interest, such as international schools, hospitals, private hospitals, cafes, cemeteries, and completed train stations.

Flood Risk: Historical data on distance and frequency of flood incidents.

Market Data: Capturing relevant market trends such as rental and sales transactions.

We do not disclose the full breakdown of acquired price, renovation cost, or target sale price upfront. Instead, we provide return estimates, investment period, and key financial assumptions for transparency while protecting homeowner privacy and our Listing partners’ commercial positions.

Yes. Each property listing includes photos, and in many cases, videos or virtual tours of the house before and after renovation. For Co-owned homes, we balance transparency with homeowner privacy.

Yes. FastTrack homes are fully renovated to be move-in ready, covering essential structure, wiring, and plumbing.

For Co-owned properties, a redacted land title showing the Lister’s name will be provided for each listing as proof of legal ownership.

For FastTrack properties, due to the rapid turnaround (6-12 months) that occurs for its redevelopment and sale, obtaining a land title showing the Lister’s name is at times unfeasible due to the time required for the document to be processed by the authorities. While this means that the Lister does not have full legal ownership of the property, the Lister is able to prove equitable ownership of the property with the following documents:

• Stamped Sales & Purchase Agreement (SPA)
• Receipt of payment made to the previous owner

Equitable Ownership is generally regarded as having acquired an equitable interest in the property, but that the previous owner holds the property for your benefit, subject to completing the terms of the SPA. In this way, the Lister and consequentially the PSC holder has the right and is entitled to their proportionate share of the proceeds when the property is sold.

For Co-owned properties in particular, in the unlikely event that the authorities prevent the Lister from completing the transaction and obtaining legal ownership, we have protections built into the SPA which requires the previous owner to repay us the full sum of money transferred. With the monies returned we are able to make our investors whole by redeeming the PSCs issued at their original purchase cost.