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Hi,

1) Some important factors you didn't mention, thus my suggestion might not be relevant.
(a) Age of all the people involved.
(b) Your brother & yourself had used either an Orphan scheme or a joint single scheme.

2) If your brother age 35 and above then things can be simpler. He can own the flat without your involvement. Thus whether you are the essential occupier is not important.
3) If your brother is below 35 years old, and needed you listed as the essential occupier, means the flat is bought under the Orphan scheme. Thus you are not allowed to purchase HDB with anyone.
4) If your boyfriend is age 35 & above, he can purchase using a single citizen scheme.
5) In the general cases under current policy, your name is not allowed to use as an essential occupier in another flat purchase under MOP.
6) You may still marry and stay together as per normal except your name is not listed under your husband's flat.
7) You can change your residential address as norm.

Hope the above answer to your main concerns, but if there are more query, please feel free to contact me at 90110636  , or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer

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