Andrea Goh · honest property numbers

I'm buying

Start with what you can borrow, then the real monthly instalment, the rate-rise test, and — if you are upgrading — your buying power.

When buying may not suit you: if the monthly instalment only works at today's rate, or leaves no cash buffer after duties and renovation. Run the rate-rise test first. Paying all cash? Check how far the price sits above or below the median psf and the last transactions of similar units before you offer.

I'm selling

What you'll actually walk away with after the loan, Seller's Stamp Duty, fees and the CPF refund.

When selling now may not suit you: if you are still inside the Seller's Stamp Duty holding period, or the net proceeds, after any bank early-repayment penalty on your loan, will not clear your loan and fund your next purchase. Work out the net proceeds first.

I'm in business

Can your trade operate there? Plus stamp duty, move-in cash and yield for commercial and industrial premises.

For Sale — Curated Listings

Andrea's curated for-sale listings — each with real transacted comps, stamp duty and yield analysis.

For Rent — Homes & Rooms

A self-serve map of homes, studios and rooms — transparent pricing, WhatsApp direct.

Commercial & Industrial Spaces

Shops, F&B, offices and industrial units — filter by trade, with approved use and footfall shown.