Hi, I'm Rae.
I spent over 10 years in corporate finance, trading foreign exchange and interest rate markets, where a wrong call was expensive, and every decision came down to weighing real risk against real reward before acting. I bring that same discipline to property.
A listing is only one part of the decision. I look at the deal, the financing behind it, and the timing, the same way I'd approach a trade. What's the downside? What's the upside? Does it actually make sense right now?
Today I'm a property consultant with PropNex, working with buyers, sellers and investors.
But a property isn't just a transaction. It's where you're starting a family, building toward the next chapter, or growing the portfolio that funds it. The numbers matter because what they're protecting matters more.
How I think about a deal
“Well-located” and “strong demand” only tell you so much. Here's what I actually look at.
The comparables, not the brochure. What did the last 2-3 launches nearby actually transact at, adjusted for tenure and MRT distance? What's resale doing next door, for a unit you could move into today instead of waiting years for TOP? A launch priced 8-10% above both can be justified: better unit mix, newer TOP, a stronger developer. But you should hear the reason, not just the number.
What your loan looks like if rates move. BUC payments stretch over 3-4 years, so today's rate isn't the only one you'll pay. I run the numbers assuming SORA moves before you sign, not after.
Who buys this from you later. A unit near the MRT with real rental demand isn't the same asset as one a 15-minute walk away with few comparable transactions, even at the same psf.
Timing matters more than people admit. A launch-day buyer and a buyer 18 months later take on different risk at a different price. There's no universally right answer, just the one that fits your timeline.
I'll tell you when a deal doesn't make sense. Not just when it does.
See it in action
School Proximity Checker
Before recommending a unit, I check real MOE registration data, not just 'near a good school.'
New Launch Cash-Flow Simulator
See the real payment schedule and numbers before you commit.
Property Valuation Estimator
HDB and condo valuations grounded in real comparable transactions.
How I work
- Direct WhatsApp access, no scheduled-call gatekeeping.
- Personally handles refinancing/loan referral (not handed off to someone else).
- Focus areas: new launches, post-launch, landed, refinancing.
Thinking beyond the next purchase? Whether it's your first property or your third, I look at the whole picture. Property isn't like a stock portfolio; it's leveraged and illiquid, so the real question is sequencing and risk, not just 'diversify.' I help you think through what to hold, refinance, or exit, and when.
Questions about a launch, a loan, or where to even start?