Qutub Khan, PropNex
I work through the arithmetic of your move before anyone talks about viewings. What you will actually walk away with, what you can actually carry, and what happens if you are wrong.
In their words
He clarifies clearly on all my doubts about the potential listings and how to consider for my financial outlay on the purchase, he has open my eyes to proper asset planning and growth with knowledge.
Chin, Buyer, via PropertyGuru
We viewed a property and, with his help and negotiation skills, secured it on the very same day, despite the seller receiving a higher offer.
Azri, Buyer, via PropertyGuru
Super patient, always took the time to explain everything clearly, no rush at all. Sold at asking price, no fuss.
John Ng, Seller, via PropertyGuru
Where the market is, Q2 2026
The problem
There is no shortage of content telling you the market is up, the market is down, or that this launch is the one. What almost nobody does is sit with your CPF statement, your outstanding loan, your household income and your timeline, and work out what is actually available to you.
That gap is where bad decisions happen. People overcommit because a projection looked good. People stay put for five years because nobody ever showed them the sums were fine. Both are expensive.
So that's where I start. If the numbers say don't move, I'll tell you that, and you've lost nothing but an afternoon.
Questions I get asked every week
Four of these are arithmetic. Only the last one is a judgement call, and it is yours to make.
How I assess a property
Most agents will tell you a unit is good. Fewer will show you the framework they used to decide. This is mine, you'll see it applied to any shortlist I put in front of you.
Layout efficiency and orientation at unit level. Developer, density and facilities at project level. Transport, schools and future planning at the macro level. Scored separately, because a good project with a bad stack is still a bad buy.
Price per square foot against comparable projects within 1km, against the project's own transaction history, and against bank valuations. The question is never whether it's expensive. It's whether it's expensive relative to what else does the same job.
The part most buyers skip entirely. Who is the future buyer, what will they compare it against, and what has to be true for you to sell without a discount. If I can't describe your exit buyer, that's a finding in itself.
Site ratio, tenure, age and owner profile. Worth understanding, never worth buying for. If en bloc is the main reason a unit looks attractive, the other three criteria are doing no work.
Where I work
The bulk of my work. Selling an HDB and moving into private, without breaking the household's finances in the process.
My home ground. I live here, I track every transaction here, and I know which blocks and stacks hold value and which don't.
Selling a smaller condo to move into a bigger one. Two transactions in the same market, and the sequencing matters more than the price.
Both, deliberately. An advisor who only sells new launches will always find you a new launch. I compare them properly.
Two calculators: what you walk away with after selling, and the cash you need to buy. A minute each, then we can talk about what they mean.
Start here
Tell me roughly where you are and I'll come back with what the arithmetic looks like. No obligation, and no follow-up campaign if you decide to stay put.