Buying a Property

The way you perceive a property can determine whether it is an asset, investment, or liability. Those who failed to do adequate research have experienced losses. It is essential to seek guidance from a realtor to ensure your financial stability in the long run, as managing a property is a marathon, not a sprint.

Joe Discussion Wilson & Siew Ling_2

What happens when you engage my service?

By leveraging my 18 years of experience, I can assist you throughout the entire home buying process, from determining your financial capabilities to finding the right property and ultimately securing ownership. My previous clients who have engaged me as their buyer agent have expressed gratitude for my guidance and support.

Property Analysis

While purchasing an HDB or private property may appear straightforward for some, others may benefit from the assistance of a realtor who can analyze factors such as price, growth, and capital appreciation to identify good buying opportunities. I am happy to provide my expert opinion to help you make a well-informed decision.

Joe MBS Sit Ipad

Do Your Home work! Do Your Sums!

It is crucial to keep in mind during any property acquisition that the procedures and guidelines differ between purchasing an HDB and a private residential property. Making an error in this regard can result in significant difficulties and daily stress, which can be avoided by taking the necessary precautions.

Prior to making a deposit, it is imperative to have this as it will enable you to determine your budget, the amount of cash and CPF required for the initial down payment, and the long-term monthly installments. This is a crucial step that should not be overlooked.

HDB Loan VS Bank Loan VS No Loan

the pinnacle, singapore, public housing-2640724.jpg

HDB Flat Eligibility (HFE)

To purchase a HDB flat using an HDB loan, prospective buyers must acquire a HFE prior to submitting an Option Fee, as mandated by current HDB regulations.


construction, crane, building construction-287868.jpg

Bank Loan ( Letter of Offer)

Prospective buyers may request a Letter of Offer from the bank, along with the valuation outcome, after placing an Option to Purchase.


No Loan ( Full Cash /Full CPF or Mixed)

If a buyer intends to purchase an HDB flat using full cash, a valuation is not mandatory, although it remains an option. However, if the purchase involves partial CPF, a valuation is mandatory.


Clients Feedback From The Past

Joseph really is not just a good realtor, but he's the best! He really gives his frank opinion! I almost bought the wrong property and he saved me from making one of the worst decisions in my life!

Seller & Buyer TP 369 Mdm Rahel 2018

Ms Rahel
Buyer 3rm HDB Sengkang

Purchasing my first HDB flat was an anxiety-inducing experience for my wife and me, as we were unsure of what to expect. Fortunately, my father, who had engaged Joseph's services previously, recommended him to us. I am delighted that we took his advice, as Joseph's guidance made the entire process smooth and effortless. He was a great buyer agent for us.

Joe with dinie and june

Mr Dinie & Ms June
Buyer 5rm HDB in Punggol

My family have engaged Joseph as our family realtor. We have sold and buy through him 4 times since 2008! From our small humble house in Sengkang to a Landed property, we have always placed our trust in him as he puts our best interest at heart!


Mr & Mrs Song
Buyers Cum Sellers

Joseph is an expert in his field and possesses a wealth of knowledge. His extensive experience as a buyer, having transacted several times, has given him the ability to time my sale and purchase to perfection. Thanks to his expertise, I did not have to move to interim lodging during the transition.

Sellers Rahim

Mr & Mrs Rahim
Buyer 5rm HDB Punggol

Discussion & Planning

Whether you plan to purchase an HDB flat, private property, landed home, or require guidance on property portfolio planning and procedures, feel free to get in touch with me. Click the button below to schedule a no-obligation discussion.