I feel incredibly honored and privileged to be part of the PropNex Powerful Negotiators Group, which is Singapore's largest real estate team with an impressive 12,000 agents. Since 2006, PNG has been recognized as the champion PropNex team, consistently demonstrating its ability to produce groundbreaking results year after year.

As a member of the Singapore Estate Agents Association (SEAA) and having the support of the Council for Estate Agencies (CEA), I am committed to upholding the highest standards of professionalism, continuous learning, ethical practices, and ongoing development of the real estate agency profession. The increasing expectations of consumers have driven us towards greater professionalization and have made it essential for us to adapt to changes in the regulatory landscape, such as the Property Cooling Measures and Total Debt Servicing Ratio (TDSR) Framework.

We, realtors play a diverse role as facilitators, advisors, and consultants to our client’s buying and selling process. With the introduction of many Property Cooling Measures and Total Debt Servicing Ratio (TDSR)Framework, there were major changes in the various regulations and policies on various types of property financing. Being an accredited Mortgage Planner, equip me with the knowledge and skills on mortgage planning for their clients. I am empowered with the knowledge and skill in mortgage planning, the special skill enables me to add value to the buying and selling process of real estate really benefits my client. As a certified mortgage planner who has an in-depth knowledge of mortgage planning will be able to chart out my client’s finances holistically and recommend the right instruments to generate more wealth.

For property investors, I can help them understand the different types of loans available and choose the loan that is most suitable for their investment profile. My expertise includes identifying the factors that banks use to assess loan eligibility, recognizing the different types of loans available, selecting the right loan for a property purchase, illustrating the use of a bridging loan, outlining the steps involved in arranging for commercial property investment, using an equity term loan to unlock value from a property without selling and identifying favorable conditions for refinancing.

• Work out a financial blueprint before a property purchase

• Identify the factors that banks use to assess loan eligibility

• Recognise the different types of loans

• Select a loan most suitable to a property purchase

• Describe what a bridging loan is and illustrate its use

• Outline the steps in arranging for commercial property investment

• Use an equity term loan to unlock value from a property without selling

• Identify the conditions favourable to refinancing

• Create a plan to pay off the loan earlier

Feel free to contact me to fix an appointment to consult on your property matters with no obligations