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The typical Singapore dream looks a little like this: boy meets girl, they fall in love, wait 5 years for their BTO housing to be built, move in and have kids, and grow old as a perfect family. That might be the ideal for some, but for LGBTQ individuals living in Singapore, that is usually nothing but a pipe dream.
Although housing discrimination against the LGBTQ is ambiguous in Singapore, same-sex relationships are not recognised by law. LGBTQ couples cannot get married, and are not granted equal rights which includes housing. That means LGBTQ people can only buy properties as “singles” in Singapore. Yes, even if you are purchasing as a couple with your partner. What this means is that LGBTQ home-buyers are not entitled to the open BTO categories, and are not allowed plenty of the grants and subsidies that straight individuals receive. TLDR? Housing options are restricted for the queer community.
But if you’re wondering what your limited options are, read on to find out more about housing for LGBTQ people in Singapore – mainly HDB and private property options
Housing Development Board (HDB) Options
Build-To-Order (BTO) HDB flats are a popular and common choice for Singaporeans due to their affordability and the government subsidies available. However, the eligibility criteria for BTO flats are tightly linked to family and marriage norms, which can pose challenges for LGBTQ individuals.
1. Eligibility for Singles
For LGBTQ individuals who are single and above the age of 35, applying for a BTO flat under the Single Singapore Citizen Scheme is an option. This scheme allows you to purchase a 2-room flexi flat in non-mature estates. It’s definitely the most affordable option, but it’s not without shortcomings. Limitations include the rather small and compact size of the flat, as well as the locations in less convenient neighbourhoods.
It’s worth noting that the government has gradually expanded housing options for singles in recent years, but these options remain somewhat limited compared to those available to married couples. It was also announced this year that singles who BTO near their parents can also get priority. For LGBTQ individuals who do not conform to the traditional heterosexual marriage model, these are some factors for consideration.
2. Joint Application with Partners, Friends or Siblings
LGBTQ individuals who wish to live with a partner of the same sex or friends can consider applying for a flat under the Joint Singles Scheme, which allows two or more singles to jointly apply for a BTO flat. But hold your horses – while this offers more flexibility than applying alone, it still restricts applicants to 2-room flats in non-mature estates. Additionally, both applicants must be Singapore citizens aged 35 or above, which may not be suitable for younger LGBTQ couples or couples with one partner who is younger than 35.
The biggest challenge here is that even though you may be living with your partner, the law does not recognize same-sex relationships, so you would not be able to apply as a couple. This means you will miss out on the additional benefits and priority schemes available to married couples.
3. Resale Flats
BTOs are more affordable, but they also come with a lengthy wait time. For LGBTQ individuals who do not want to wait for a BTO flat or who wish to live in more central locations, purchasing a resale flat is an option. The eligibility criteria are broader for resale flats, and singles above the age of 35 can purchase any size flat in any estate. This allows for greater flexibility in terms of location and flat size.
However, the cost of resale flats can be significantly higher than BTO flats, especially in mature estates. Additionally, the resale market is subject to fluctuations, so timing your purchase is crucial. While this option provides more freedom, it requires a higher financial outlay and may not be feasible for everyone.
Private Property Options
Of course, with all the restrictions that come with HDB housing, private property might be a more viable, flexible and inclusive option for LGBTQ individuals in Singapore. Unlike public housing, private property does not come with the same restrictions related to age, marital status, or sexual orientation. The downside? It is also significantly more expensive, which can be a barrier for many.
1. Condominiums
Condominiums are a popular choice for those who can afford private housing. They offer a range of amenities and are located across the island, giving you more options in terms of location and lifestyle. For LGBTQ couples, buying a condominium together is a viable option as there are no restrictions based on sexual orientation or marital status.
However, the cost of condominiums can be prohibitive. Prices vary widely depending on the location, size, and facilities offered by the development, but they are generally much higher than public housing options. Additionally, private property buyers are subject to the Additional Buyer’s Stamp Duty (ABSD) if they are purchasing a second property, which is an important factor to consider if you already own a home.
For LGBTQ individuals and couples who value privacy and are looking for a more liberal living environment, condominiums may offer a suitable solution, albeit at a higher cost.
2. Landed Property
Landed property, which includes terrace houses, semi-detached houses, and bungalows, is at the higher end of the private property market. These homes offer maximum privacy and space, making them ideal for LGBTQ individuals or couples who prioritise these factors.
Owning landed property in Singapore is a symbol of wealth and status, but it comes with a hefty price tag. Additionally, maintaining a landed property requires more effort and resources than other housing options, which may not be suitable for everyone.
For LGBTQ individuals with the financial means, landed property provides the greatest level of freedom in terms of living arrangements. There are no restrictions on who you can live with or how you choose to use your space. However, the cost and maintenance requirements make this a less accessible option for most.
3. Executive Condominiums (ECs)
Executive Condominiums (ECs) are a hybrid between public and private housing, offering a middle-ground option for those who may not be able to afford a private condominium but still want more amenities than a typical HDB flat. ECs start off as public housing and become fully privatised after 10 years, allowing for greater flexibility in resale and renting.
LGBTQ individuals can purchase an EC under similar conditions to a private condominium, with no restrictions based on sexual orientation. However, ECs are initially subject to certain HDB rules, such as the minimum occupancy period (MOP) and income ceiling. This means that while ECs are more affordable than private condominiums, they still come with some of the limitations found in public housing.
4. Renting
For many in the LGBTQ community in Singapore, renting is their first step of having a place to call their one. LGBTQ individuals who are not ready to commit to purchasing a property, renting offers a flexible alternative. The rental market in Singapore is diverse, ranging from HDB flats to high-end condominiums and landed properties. Renting allows you to choose a home that fits your lifestyle and budget without the long-term financial commitment of buying.
However, renting also comes with its own set of challenges, including fluctuating rental prices and the lack of security in tenure. It’s also important to consider that some landlords may have conservative views, which could impact your rental experience. That said, the rental market is broad enough that with some searching, you can find a landlord who is supportive and inclusive, and doesn’t discriminate against sexual orientation.
Housing In Singapore Is Still A Challenge For The LGBTQ Community
While Singapore’s housing market presents unique challenges for LGBTQ individuals, there are still viable options available. Whether you choose to go the BTO route, explore the resale market, or invest in private property, understanding your rights and options is key to making an informed decision.
As Singapore continues to evolve, it’s possible that more inclusive housing policies will emerge, offering greater support and opportunities for the LGBTQ community. For now, careful planning and consideration are essential to navigating the housing landscape in a way that aligns with your needs and aspirations.
Should you be interested in speaking to LGBTQ-friendly property agents or get housing advice, here is a list of resources you can reach out to:
Additionally, if you’re seeking a listening ear for personal matters, including LGBTQ-related issues, A Space Between is a source of counselling and therapy options, with queer-friendly counsellors readily available. Sessions are also conducted in safe environments and spaces, so you will be guaranteed anonymity as well.
