THE HOME BUYING PROCESS

▪️ In-depth consultation to establish your core requirements
▪️ Lifestyle evaluation (commute, amenities, family needs)
▪️ Investment parameters analysis (yields, capital appreciation) 

▪️ Comparative mortgage analysis across major financial institutions
▪️ Detailed cost projection (including stamp duty, ABSD, maintenance)
▪️ Affordability stress-testing with interest rate scenarios 

 We map out:

• How to upgrade from HDB → Condo → Landed (if that's your dream)
• When to refinance for best rates 
• Exit strategies (so you don't get stuck with white elephant property)

A clear timeline ensures you stay on track throughout your property search and purchase. I'll work together with you to set realistic milestones—whether it’s scheduling viewings, securing financing, or finalizing paperwork—so that you know exactly what to expect and when. By the end of this timeline, you'll be well-prepared to make your purchase with minimal stress. 

Before you make any big decisions, it’s important to understand the market. I do a deep dive into current property trends, prices, and future projections. With all that info, I’ll help you come up with the best strategy, whether it’s making an offer on a hot property or negotiating a fair price in a competitive market. My aim is to make sure you’re making a smart investment. 

When it’s time to see the properties, I’ll make sure you know exactly what to look for. From checking the condition of the property to assessing its long-term value, I’m there to provide advice and insight. If you find the right place, I’ll help with negotiations to get the best price and terms. You can rely on me to handle the details, so you can feel confident and happy with your decision. 

Once everything’s signed and sealed, I’ll make sure the handover process goes smoothly. Whether it’s preparing the property for you to move in, making sure all the paperwork is in order, or guiding you through any final legal steps, I’m here to help.