Parents getting divorce, should I take over and co-own Marine Parade hdb as a couple with my Mum or bto with BF? The location is good and Thomson East Coast line is right at the door step(open 2023)?

Personally, I would think the BTO option would make the most sense... Financially and practically.

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Can your mum continue to own the flat as a single occupier while you guys help to pay for her balance as well? Or is she able to fund it on her own?

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And actually the BTO balloting takes a long time. I personally have tried it 7 times before getting a flat in Ubi (on my 8th try) because it is a mature estate.

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For this: "If we were to take over the balance loan, will there be any grants we can use?" I don't think there are any ones that I have seen before... so unlikely... unless it's like a purchase of a resale flat? But that is usually from another party... not family related.

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If it's a resale purchase, can use a variety of grants that you see here: https://www.hdb.gov.sg/cs/infoweb/residential/b...

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Let us know anonymously if you have any more questions below, our content team can go research about this more in detail as well. Cheers!

BTO with your BF is a better option. Reason being you could fetch a higher resale value since the MRT is just right at the door step. This would also help to resolve most of your financial issues. Do remember HDB flat is valued at $0 once it reaches 99 years old unless your flat is selected for SERS. Just my humble opinion.