Portrait Of Multi-Generation Chinese Fam

Strengthening the core of family units and enabling seniors to age well together

About Us

AN is a social enterprise start-up supported by NUS Enterprise and ACCESS Health under the Modern Ageing initiative. Modern Ageing is an accelerator programme originally supported by Ministry of Health to catalyse innovation for an ageing population.


AN is developing a socially conscious business model to help retiree homeowners living in private properties to monetise a portion of their home equity for their retirement needs, along with an inclusive digital platform centred around active ageing and financial preparedness.


We believe there is a need for a product like AN in Singapore because it is home to many 'asset-rich-cash-poor' seniors whose wealth is tied up in property and CPF, leaving them with little cash savings.


Few options exist for those who own and live in private properties such as condominiums and landed homes because they are unable to qualify for government subsidies, and existing schemes such as sub-letting and downsizing may not be an ideal solution for all households.


Meanwhile, equity release products such as reverse mortgages (which have since been discontinued) were not popular as they were viewed as complicated and restrictive.


What we do

Our solution enables seniors to unlock the value of their private properties by authorising institutional investors to purchase a portion of their home equity. This provides the seniors with the peace-of-mind of a guaranteed annuity and term payouts to supplement their retirement savings, while retaining their full rights to continue living in the comfort of their own homes for life.


Our business model has been validated by engaging with actual potential customers and obtaining legal opinions on the conveyancing & corporate aspects. 

AN is currently working with industrial leaders from Singapore's real estate, banking, asset-management, research communities together with various government agencies to further refine its business processes to serve its first customers in 2020.



Enquire further today

AN Living Pte Ltd

NUS Enterprise @ Block71

71 Ayer Rajah Crescent #02-01

Singapore 139951