For Singaporeans Who Plans to Buy or Upgrade Property

Discover how to make smarter property decisions whether you're buying your first home, upgrading, or planning your next move

Learn the proven framework that’s helped Singaporeans discover their ideal next property move, based on your life stage, financial situation, and future goals.

Hi, I am Derek...

I’m not your typical property agent. 

With 10 years of experience and over S$250 million in property transactions, I’ve helped hundreds of families make confident property moves, backed by data, not guesswork. 

I hold a Master in Real Estate from NUS, completed through a government Study Award. I’ve trained other agents, contributed to national housing policy through a Ministry of National Development focus group, and my work has been featured by the Council for Estate Agencies (CEA). 

Whether you’re buying your first home, upgrading, or planning long-term, I’m here to give you more than listings, I’ll give you a strategy that fits your life.

Why Work With Me

1) I Don’t Just Sell. I Strategize Based on Real-Life Stages

Most property advice stops at what you can afford. I go deeper. I map your real estate moves around your life goals, family needs, and financial timeline so you buy, upgrade, or hold with confidence, not guesswork.

2) I Train the Trainers and Shape the Policies

I'm not just a property consultant. I train other real estate professionals on how to plan strategically. I was also part of a government housing focus group that helped shape Singapore’s property policy direction for the next decade. You’re not just getting advice, you're getting insight backed by policy-level understanding.

3)  You’re Not Just Finding a Home. You’re Planning a Life.

Too many buyers jump in without a clear plan. They scroll listings, follow market noise, and end up stuck or overcommitted. With me, you won’t just chase trends you’ll get a clear strategy for what works best for your life stage, family goals, and long-term future.

How this Property Life Stage Planning™ Works

Step 1 : Listen & Learn

We begin by understanding the full picture including your current home, finances, family plans, and lifestyle goals so we can build a strategy that’s truly personal.

Step 2 : Life-Stage Analysis

Using the LIFE Stage Framework, we align your property decisions with where you are in life; career, family, income, and personal priorities.

Step 3: Financial & Risk Assessment

We run deep numbers using the FACTS Methodology, including:

  • 360° financial health check

  • C.A.R.E. risk scenario modelling

  • 10-point asset evaluation

  • Property SWOT analysis

Step 4: A Roadmap That Makes Sense

Based on everything we uncover, you’ll get a 5–15 year game plan: when to move, what to avoid, what to watch for, and how to prepare.

Step 5: Move Forward with Clarity

No pressure. No pushy sales. Just clear, data-backed direction — so you can buy, upgrade or wait with full confidence.

Proof That Property Life Stage Planning ™ Works

How Ku's Family solve From Uncertain Upgrade to Future-Ready Home

The Ku Family

  • Wanted to upgrade but unsure if it was financially safe and future-proofed for career changes.

  • I stress-tested their finances, mapped life goals, and built a plan aligned with their 5–10 year timeline.

  • Upgraded to a dual-key condo, sold their HDB above expectations, and now enjoy rental income with financial peace of mind

Norm's Journey From Smart First Purchase to Freehold Upgrade

Norm

  • Wanted a freehold property but was unsure how to start without overcommitting.

  • We structured a phased approach starting with a high-potential leasehold near MRT.

  • Sold the first property for strong profit and upgraded to his dream freehold 3-bedder with confidence.

This Couple Didn’t Buy a Condo but We secured a spacious resale HDB

K & E Couple

  • Planned to buy a private condo but high lifestyle expenses made it financially risky.

  • I showed them how a spacious resale HDB could meet both lifestyle and investment goals.

  • Bought a central-area HDB, property appreciated 15%, and they’re now planning their next investment move.

Book Your Property Life Stage Planning™ Session

In just 45 minutes, we’ll help you:

  • A clear property roadmap based on your finances, life stage, and goals

  • Clear answers on whether your next property move should be to buy, upgrade, sell, hold, or wait

  • A property strategy that protects your bigger goals from retirement to education and future family

  • Confidence in your next property move whether it’s time to act or pause

Let’s make sure your next property decision is the right one for your goals, your family, and your future.

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