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PART 1 OF 5: Why Are Buyers Suddenly Considering ECs in Locations They Never Wanted?
Recently, I met a few clients who told me the same thing:
“I just want to buy the next EC that is available.”
I can understand why.
With the latest EC policy changes, some buyers may feel that their future choices will become more limited, especially second-timers.
So when the next EC becomes available, the natural reaction is:
“Maybe I should just go for it first.”
But I think this is exactly the moment when buyers need to become more careful.
Imagine a family that has always been waiting for an EC in the east.
▪️ Their workplace is nearby. ▪️ Their children study around the area. ▪️ Their parents, friends and daily activities are also centred there.
Under normal circumstances, an EC in the north or west may never have been part of their property plan.
But after the policy changes, their thinking may start to shift:
📍 “Maybe the north side is also okay.” 📍 “Maybe we should secure an EC first.” 📍 “Maybe future opportunities will become more difficult.” 📍 “Maybe we should not be so particular about location.”
Suddenly, people who originally wanted the east may start considering the north or west.
The same may happen to buyers from other parts of Singapore.
They may not be attracted to the location because it is their preferred area.
Some may be pushed there because they are worried that their future EC choices will become more restricted.
This could create very strong interest in the upcoming EC.
But here is the important difference:
Demand to buy an EC is not always the same as demand to live in that particular location.
We may see strong application numbers and a crowded showroom.
But there is no simple way for us to determine how many buyers genuinely want to stay in that location and how many are coming from other parts of Singapore because the policy has narrowed their perceived choices.
That is why we should not automatically conclude:
“Many people are buying, so it must be a good property.”
Before following the crowd, we need to understand why the crowd is there.
And once the developer realizes that policy changes may be sending more buyers towards its project, another important question arises:
Whenever I handle a transaction, whether it is a purchase or a sale, I want my client to know clearly what we are doing at every stage.
For example, before we even start selling, I may bring the seller out to view some properties first.
But the objective is not necessarily to buy something immediately.
It is a preliminary round for us to understand:
❓ Is a four-room flat suitable for the family?
❓ Would a three-bedroom condo be sufficient, or do they really need a four-bedroom?
❓ Which locations can meet their daily needs?
❓ Most importantly, how many suitable options are actually available outside?
This last question is very important.
📍 If we go out and realise that there are 5 or 6 units that can potentially suit the family, we know there are sufficient options in the market.
📍 When it comes to selling, we can afford to be more flexible and decisive.
📍 But if there are only 1 or 2 suitable units available, then our entire strategy may need to be different.
Because we cannot simply say: 👉 “Let us sell first, then slowly decide what to do next.”
That may sound straightforward, but it can create a lot of panic later.
❗️ Once the current home is sold, the clock starts moving.
❗️ The seller has to think about completion dates, extension arrangements, renovation, temporary accommodation and whether the next suitable unit is still available.
❗️ When all these pressures come together, people may start making decisions that they would not normally make.
❗️ They may accept a selling price that feels high to them, without knowing whether it is truly the best price they could have achieved.
❗️ Or after selling, they may become anxious about having nowhere suitable to move into and end up paying too much for their next property.
❗️ Not because the next property is truly worth that price.
❗️ But because they are stressed, their choices are limited and they need the moving timeline to work.
*****
That is why selling fast is not always a good thing.
The objective is not to sell as quickly as possible.
The objective is to sell at the right price, with a clear next step, while allowing the family to move from one home to another as seamlessly as possible.
That is why every viewing has a purpose.
Before selling, we go viewing to understand the available options and shortlist possible opportunities.
While the property is being marketed, we continue monitoring whether those shortlisted units are still available.
When an offer comes in, we assess both sides immediately:
Is this a good offer for our property?
And are there still suitable opportunities outside for us to move into?
Once we decide to accept the offer, the following weekend is not spent starting the search from zero.
We already understand the market. We already know what suits the family. We already have a shortlist.
We can go out, compare the remaining options and focus on securing the best available opportunity.
By then, the seller is very clear.
They know why they are selling. They know what they are looking for next. They know how many options are available. They understand the timeline.
And they know what needs to happen when a serious offer comes in.
*****
This preparation is also one of the ways I help sellers achieve a higher selling price.
Because when a genuine buyer makes an offer, their interest is usually at its highest.
They have just viewed the house.
They are imagining themselves living there.
They may already be discussing how to arrange the furniture, which room belongs to whom and whether this can become their next home.
That is the moment we want to negotiate and lock in their interest.
Not allow their excitement to cool down while the seller is still panicking over what to do next.
Every additional day gives the buyer more time to reconsider.
▪️ They may start viewing other units. ▪️ Their family may begin raising doubts. ▪️ They may compare the price again. ▪️ Or another seller may become more accommodating.
Once the buyer’s interest cools, it becomes harder to hold on to the same offer, let alone negotiate for a better one.
So all this planning is not meant to complicate the selling process.
It is meant to prevent panic later.
It allows us to stay calm when negotiating the selling price, without rushing to accept too little.
It also allows us to stay disciplined when buying the next home, without paying too much simply because time is running out.
Selling fast does not always mean selling well.
A good transaction is one where: ✅ the seller is prepared enough to capture the buyer’s interest while it is high ✅ achieve the best possible outcome and ✅ move into the next home without making decisions out of fear. ... See MoreSee Less
Recently, I realised something after meeting more and more buyers.
A lot of people think their problem is:
“I haven’t found the right property yet.”
So they keep viewing.
One project after another. One unit after another. Every weekend is spent walking into showflats and resale units.
And many people naturally assume that buying a property should take a long time.
One of my buyers told me the same thing.
They said:
“Actually, we thought this whole process would take us a few months.”
In the end?
It took us only 3 weekends to conclude a purchase that they genuinely loved.
Not because we rushed.
Not because I pushed them to buy.
And not because we were lucky enough to stumble upon the perfect unit immediately.
It was because, before we kept looking at more and more properties...
✅ We became clearer about what they were actually trying to solve.
🔹 Are you trying to get more space? 🔹 Move nearer to your parents? 🔹 Reduce your monthly commitment? 🔹 Position yourself better for the next property move? 🔹 Buy something that is easier to exit in future?
Or simply find a home that your family can happily stay in for the next 10 years?
These are very different problems.
And they can lead you to completely different properties.
That is why I always feel property planning should not start with: “Which unit do you want to see?”
It should start with: “What are we actually trying to achieve?”
Because when the objective is unclear, every property will look like it has pros and cons.
This one is nearer to MRT, but smaller. That one is bigger, but further away.
This one is freehold, but more expensive. That one is 99-year, but has a better layout and a bigger future buyer pool.
This one is newer. That one has more amenities.
And the more you see, the more confused you can become. Not because there are no good options. But because there is no clear framework to judge them.
📍 For this buyer, once we understood what was truly important to them...
✅ what they could compromise on ✅ what they should not compromise on, ✅ and what type of property would still make sense for their future…
The search became much easier.
✔️ We did not need to see everything in the market. ✔️ We just needed to eliminate the wrong things faster.
That is why something they thought would take a few months ended up taking only 3 weekends.
And most importantly, they did not feel that they settled.
They found a home they genuinely loved.
Sometimes, taking a long time does not necessarily mean you are being more careful.
And making a decision faster does not necessarily mean you are rushing.
The real question is:
How clear are you about what you are looking for?
I increasingly feel that my job is not to show people more properties.
It is to help them understand what they are actually trying to achieve.
⭐️ To create a framework to judge the options. ⭐️ To identify what really matters. ⭐️ And to eliminate the wrong ones faster.
Because today, buyers do not lack properties to view.
“Gary, is there anything in the market now that we can take advantage of?”
So I shared one possible direction with her.
I told her that with the new Plus flat framework, there may be an opportunity to look at newer HDBs in strong locations.
Especially near MRT stations, and see whether there is a way to position the purchase more prudently for the future.
Then she told me:
“But I don’t really like those locations leh.
I prefer somewhere where I go downstairs, I have two or three coffeeshops.
I have a few supermarkets to choose from.
MRT is nearby.
Everything is already there.
I am already in my mid-40s. I want somewhere convenient, especially when I grow older.”
And honestly, there is absolutely nothing wrong with what she wants.
So I broke the decision down for her.
I told her, some people may prefer to enjoy more convenience today.
More food choices. More shops. More established amenities. Everything is already there.
Another person may be willing to accept slightly less today.
Maybe not three coffeeshops, but one. Maybe not three supermarkets, but one.
Because they feel that there is an opportunity in the current market or policy environment that is worth taking advantage of first.
Who is right?
Actually, both can be right.
The real question is not whether you choose A or B.
The real question is: Before you choose B, do you know what A could have given you?
Maybe it is the cheapo in my blood since young. 😂
🔹 Growing up, I watched how my mum tried to save every single cent.
🔹 If she could walk, she would rather walk than take the bus.
🔹 If something could still be used, she would not replace it.
So somehow, this way of thinking became part of me too.
When I see two choices in front of me, I naturally ask myself: 🔺 “Which one gives me more for what I am giving up?”
That is why when my buyer asked me which direction I would personally choose, I told her honestly:
“If I were in your position, I would first explore the direction that allows me to take advantage of the current policies and gives me more assurance for the future.
If I really cannot find something suitable, then I go back to the original choice.”
Not because her original choice was wrong.
But because to the cheapo me, if there is an opportunity available today, I would want to explore it first before I give it up.
If after exploring, it really does not suit me, then okay, I go back to the original choice.
At least I know I did not walk away from an opportunity without properly understanding it first.
And after our discussion, she actually went back to think about it carefully.
Later, she told me:
“Actually, after thinking through what you shared, I feel that your direction makes a lot more sense.
I think I should explore that route first.
Only if I really cannot find something suitable, then I go back to what I originally wanted.”
To me, this is exactly the difference between simply helping someone buy a property, and helping someone make a property decision.
Most buyers already know what they like.
But they may not know what other opportunities are available to them.
They may not know what they are gaining.
They may also not know what they are giving up.
✅ My job is not to force someone to buy what I think is right. ✅ My job is to show them the full picture.
✅ To let them understand the opportunities available. ✅ To let them understand the trade-offs involved.
And then let them make the decision with their eyes open.
You can choose convenience. You can choose lifestyle. You can choose future protection.
There is nothing wrong with any of these choices.
Just make sure you know what you are giving up before you decide.
Because sometimes, after understanding the full picture, you may still choose exactly what you originally wanted.
And sometimes, you may realise there is another direction worth exploring first.
That clarity is what planning is really about. ... See MoreSee Less
Recently, I started noticing something interesting.
Sometimes, when we read the news, we read every article separately.
One day, the Government talks about Singapore’s low birth rate.
Another day, we read about immigration and the need to continue bringing in new residents.
Then we start seeing reports about household income going up.
After that, discussions start appearing again about whether the HDB income ceiling should be reviewed.
And at the same time, more land is being planned for future housing.
If you read every article individually, they may look completely unrelated.
But what happens if we put them together?
What happens if we stop asking only: “What did the Government announce?”
And start asking: “What problem are they trying to solve?”
That was what got me thinking.
Singapore’s birth rate has fallen to a historic low.
To me, the important question is not simply whether the Government is encouraging Singaporeans to have more babies.
Of course they are.
But what happens if the birth rate remains low?
Singapore still needs people. We still need a working population. We still need families.
We still need people to support the economy, consume, work, form households and eventually need homes.
So when the local population cannot renew itself sufficiently through births alone, immigration naturally becomes a more important part of the long-term population equation.
I am not saying that the Government will suddenly open the floodgates.
That is not my point.
My point is that when our birth rate keeps falling, population renewal does not become less important.
It becomes more important.
Then I started looking at the next part of the story.
Household incomes have also been rising over the years.
And that brings us to something I have been thinking about for quite some time.
Our HDB income ceiling is still $14,000.
Our EC income ceiling is still $16,000.
But as household incomes increase, more families will naturally move closer to, or eventually cross, these limits.
So the question is:
Will the income ceiling eventually need to be reviewed again?
I do not know when it will happen.
And I am not saying it definitely will happen soon.
But I think this is something worth watching.
📍 Because an income ceiling is not just a number.
📍 It controls demand.
The moment you change the income ceiling, you change the number of people who are allowed to buy a particular type of property.
And this is where I think many people look at policy changes too simply.
When the Government thinks prices are moving too aggressively, they have many ways to control demand.
👉 They can introduce cooling measures. 👉 They can tighten financing. 👉 They can change eligibility. 👉 They can increase supply.
But if one day the Government chooses to raise an income ceiling, what does that mean?
It may mean that more households are now earning at a level where the old ceiling no longer reflects reality.
✅ And by raising the ceiling, more buyers are allowed into the market.
✅ That does not mean the Government is saying property is cheap.
✅ It does not mean prices will automatically go up.
✅ But it does tell us something very important.
✅ The Government is effectively changing the size of the eligible buyer pool.
✅ And whenever the buyer pool changes, demand can change.
****
Then we look at the next piece.
More land is also being planned for future housing.
New housing areas are being studied.
Former camps and other large land parcels may eventually be redeveloped.
Again, if we look at this alone, we can simply say:
“Okay, more supply is coming.”
But I prefer to ask another question.
🔹 Who is all this future housing being planned for? 🔹 What population is Singapore preparing for? 🔹 What type of households will we have ten years from now? 🔹 What will their income levels look like? 🔹 What type of housing will they be eligible to buy? 🔹 And where will this future demand flow?
This is why I feel that sometimes, we should not read government announcements one by one.
☝🏻 The birth-rate discussion may look like a population issue.
☝🏻 Immigration may look like a manpower issue.
☝🏻 Household income may look like an economic issue.
☝🏻 The income ceiling may look like a housing-policy issue.
☝🏻 New housing land may look like a supply issue.
But when you put them together, they may all be connected to one much bigger question:
💡What kind of Singapore are we preparing for over the next 10 to 20 years?
This is how I like to look at property.
Not by simply asking:
“Will the market go up or down?”
That question is too broad.
Instead, I prefer to reverse-engineer what may happen.
❓ What problem is the Government trying to solve? ❓ What policies may eventually need to change? ❓ Who will become the future buyer? ❓ What will this future buyer be allowed to buy? ❓ What can this buyer afford? ❓ And most importantly, where will this demand flow?
Because even if the overall population grows, not every property will benefit equally.
Even if incomes rise, not every property becomes a better investment.
Even if more buyers enter the market, they will not buy everything.
Demand always flows somewhere.
The real opportunity is not simply knowing that demand may increase.
The real opportunity is understanding which segment, which price range and which type of property is most likely to sit in the path of that future demand.
This is why I always tell people:
⭐️ Do not just look at the property in front of you.
⭐️ Try to understand the future buyer behind it.
⭐️ Because ultimately, your future return does not come from how much you love the property today.
⭐️ It comes from whether someone else will have the ability, eligibility and willingness to buy it from you in the future.
So perhaps the recent news is not giving us one answer yet.
But when I look at the sequence, I feel it is asking us to pay attention.
Low birth rate. Population renewal. Rising household income. Possible future changes to housing eligibility. More land being prepared for future housing.
Are these all separate stories?
Maybe.
But maybe they are also different parts of a much bigger story about how Singapore is preparing for its next phase.
And for me, that is where property planning becomes interesting.
We do not need to predict every policy correctly.
We need to understand the direction.
Then we position ourselves before the direction becomes obvious to everyone else. ... See MoreSee Less
Almost every new buyer who contacts me asks me the same question.
“Gary, is there anything I can view this afternoon? This evening? This weekend?”
To be honest, I hear this almost every day.
And every time I hear it, I smile.
Not because it’s a wrong question.
But because most buyers don’t realise there are actually two completely different ways to buy a property.
The first is the way almost everyone knows.
📍 Keep viewing. 📍 Keep comparing. 📍 Keep hoping that one day you’ll walk into a unit that you love.
If you don’t like it, view another one. Eventually, buy the one that feels right.
Nothing wrong with this process.
The only problem is…
☝🏻 You’re choosing from whatever is available.
☝🏻 You may never realise there was a much better opportunity in the market that suited your needs.
☝🏻 Because nobody showed it to you.
The second way is completely different.
Before we even arrange the first viewing, I want to understand what you’re trying to achieve.
🔺 Why are you buying now? 🔺 What are your family’s plans over the next five to ten years? 🔺 What are your financial options?
More importantly, based on the market conditions, government policies and opportunities available at this point in time, where is the hidden opportunity that best suits your needs?
Only after answering these questions do we start shortlisting properties.
I remember a couple who came to me after spending almost six months viewing freehold properties.
Like many buyers, they had been told by people around them,
“If you can afford it, buy freehold.”
So that became their answer.
Weekend after weekend, they viewed one boutique freehold development after another.
Every property ticked the “freehold” box.
Yet after every viewing, they would say the same thing.
“It makes sense… but we just don’t like it.”
🔸 Their logical mind kept telling them to buy freehold.
🔸 But emotionally, they couldn’t imagine themselves living there as a family.
There was never anything wrong with buying freehold.
In fact, there are many situations where I would recommend it.
The issue was that they had decided on the product before understanding where the opportunity was.
So we stopped talking about tenure.
Instead, we started planning.
We looked at their objectives.
📍 Their budget. 📍 Their family. 📍 The market conditions. 📍 The policies in place at that time.
And most importantly, where the real opportunity was for them.
After putting everything together, my recommendation was completely different from what they had been searching for over the previous six months.
They eventually bought a large 99-year development.
Not because 99-year is always better.
Not because freehold is a bad choice.
But because at that point in time, based on their budget, their objectives and the opportunities available in the market, it gave them the strongest overall position.
✅ Just as importantly, it was a place they genuinely loved.
✅ Every day when they came home, they enjoyed living there.
✅ To me, that matters.
✅ A good property shouldn’t just perform well financially.
✅ It should also be a home your family enjoys for many years.
✅ 5 years later, that property appreciated by almost $1 million.
Would I recommend the exact same property today?
Maybe. Maybe not.
Because markets change. Policies change.
Opportunities change.
That’s why I rarely begin by asking,
“What house do you want to see?”
I begin by asking,
“Where is the best opportunity for you today?”
Because once we identify that, finding the right property becomes much easier.
I don’t believe my job is to show you the most houses.
I believe my job is to help you understand the market, uncover opportunities that others may not see, and then match those opportunities to what you and your family are trying to achieve.
To me, that’s the difference between shopping for a property…
…and planning for the right property decision. ... See MoreSee Less
Whenever there’s a new launch, people always ask me,
“Gary, is this project worth buying?”
My answer is always the same.
“I don’t know yet.”
Because before I can answer that question, I need to answer another one first.
How do I know whether today’s launch price is expensive or cheap?
The first thing I do isn’t to study the brochure.
I study the nearby resale market.
Why?
Because the resale market tells me two very important things.
🔺 First, what buyers are already willing to pay today.
🔺 Second, who my future competitors will be when I eventually sell.
Many buyers only think about buying.
I think about selling before I even buy.
Let me give you a simple example.
Suppose a new launch is selling its 2-bedroom units at around $1.5 million.
When I compare it with similar nearby resale transactions over the past six months, I notice comparable units have already been changing hands at around $1.8 million.
Does that automatically mean this launch is undervalued?
Absolutely not.
In fact, this is where I think many buyers, and even many agents, oversimplify property analysis.
It’s very common to hear someone say,
“Look, the resale next door is already transacting at $1.8 million. This new launch is only $1.5 million. It’s definitely value for money.”
To me, that’s only one piece of the puzzle.
It tells me this project deserves a closer look.
It does not tell me it’s worth buying.
One transaction, or even a handful of transactions, is never enough to prove a point.
The next question I ask is,
“Is this pricing gap justified?”
That’s where the real work begins.
📍 Is the resale development closer to the MRT? 📍 Does it have a better layout? 📍 Is it in a more desirable stack? 📍 Does it have stronger facilities? 📍 How many competing projects will there be when my client eventually sells?
If the new launch is weaker in some aspects, how much of a discount should I expect before I consider it fairly priced?
If the new launch is stronger, is the premium reasonable?
These are all the small details that most people don’t see.
Individually, each factor may not seem significant.
But when you put them together, they determine whether the pricing gap is meaningful or whether it’s simply justified by the differences between the two developments.
Even then, this is still only my preliminary research.
Once the official price list is released, I repeat the entire process again using the actual unit prices, stacks and layouts.
Only after that do I decide whether the project is truly worth considering.
What I’m really trying to do is simulate how a future buyer will make their decision.
✅ 5 or 10 years from now, my client won’t be competing against today’s brochure.
✅ They’ll be competing against every similar unit available in the market.
If I can understand today what future buyers are likely to compare, value and pay for...
I stand a much better chance of helping my clients choose a property that remains competitive years later.
That’s why I don’t rely on a single transaction.
I don’t rely on a single number.
And I certainly don’t buy a property just because someone tells me it’s “cheap.”
I gather as much evidence as I can before making a decision.
Because buying the right property has never been about finding one good number.
It’s about putting enough pieces together until the whole picture makes sense. ... See MoreSee Less
Recently, a homeowner contacted me after trying to sell his HDB flat for almost six months.
There had been plenty of viewings.
But not a single offer.
Like many sellers, he thought the market had slowed down.
When I looked at the situation, I saw it differently.
I wasn’t interested in how many viewings he had.
I wanted to know what every buyer was comparing his flat against.
Because buyers don’t just view one home.
They compare several homes within the same cluster before making a decision.
So before changing anything, I asked myself one simple question.
“If I were the buyer, would I choose this flat or another one?”
To answer that, I studied the competing units.
🔹 Were they priced differently? 🔹 Were they move-in ready? 🔹 Did they offer a better layout or a more practical renovation? 🔹 Was another seller offering a timeline that suited buyers better?
Most importantly…
What would make a buyer choose another home instead of this one?
Once we understood that, we knew exactly what to do.
Sometimes the answer is adjusting the price.
But many times, it isn’t.
Sometimes it’s about positioning the home differently.
Sometimes it’s about highlighting strengths that buyers are genuinely willing to pay for.
And sometimes, after understanding what buyers truly value, you realise your home doesn’t need a lower price.
It deserves a higher one.
✅ Because buyers don’t buy the cheapest home. ✅ They buy the home they believe offers the best value.
Over the years, I’ve learnt one important lesson.
Most sellers see their home through the eyes of an owner.
Successful sellers learn to see it through the eyes of a buyer.
If you’re having difficulty selling your home and you’re not sure how buyers are looking at it, feel free to reach out.
I’m happy to share a few pointers and help you see your home from a buyer’s perspective.
Sometimes, a small change in strategy can make a much bigger difference than simply reducing the price.
Recently, I met a seller who asked me to help sell his unit.
After studying all the competing listings in the development, I told him something he probably wasn’t expecting.
“I don’t think you should sell now.”
Instead, I suggested renting it out.
Not because I didn’t want the listing.
But because, at the price he wanted, I didn’t think he was in a strong position to compete.
Many people think an agent’s job starts when the property goes on the market.
I see it differently.
To me, selling starts with strategy.
Before I even talk about marketing, I ask questions like:
• Who are we competing against? • Can we realistically achieve the seller’s objective? • If buyers have several similar options, why would they choose this unit? • If the odds are against us, is selling today really the best decision?
Sometimes, the right advice is not, “Let’s try.”
Sometimes, the right advice is, “Let’s wait.”
A few months later, the seller contacted me again.
He shared that he had appointed more agents, hoping that more exposure would bring a buyer.
One of the agents was already marketing an almost identical unit in the same stack. His thinking was simple: “That agent already has buyers, so he can bring them to my unit too.”
It sounded logical.
But it also made me wonder…
If your agent is already representing a competing unit, who are they really trying to help stand out?
And if both units are almost identical, how do you avoid competing mainly on price?
That’s why I believe selling a property isn’t just about finding buyers.
It’s about having a strategy before the first buyer even walks through the door.
📍 Understanding your competition. 📍 Knowing when to enter the market. 📍 Creating the right viewing experience. 📍 Building momentum instead of relying on luck.
These are the conversations I enjoy having with my clients.
Because my job isn’t simply to help someone sell a property.
My job is to help them make the best overall decision. ... See MoreSee Less
Saw this gas regulator and pipe during my recent Malaysia family trip.
It reminded me of something scary that almost happened when I was much younger.
Back then, my mum was still using LPG gas tank for cooking.
One day, the gas pipe needed to be changed.
Being the “handy” kind of person, I thought: “Pipe is pipe what. Water pipe, gas pipe, should be more or less the same right?”
I almost went to buy a normal water pipe to replace the gas pipe myself.
Thankfully, I did not.
Or maybe more accurately, thankfully my mum did not allow me to do it.
Looking back now, I really cannot imagine what could have happened.
Gas leakage. Fire. Explosion.
All because I thought I knew enough.
That incident taught me something important.
Some things may look similar from the outside, but if you do not understand what is behind it, the mistake can be very costly.
And this is something I often see in property too.
Many people say: 📍 “Buy the biggest unit.” 📍 “5-bedroom is safer.” 📍 “Bigger units are rarer.”
On the surface, it sounds logical.
But property is not so simple.
Sometimes, even in the same location, a 5-bedroom in a weaker-feeling development may still lose to a very comfortable 4-bedroom in a better-feeling development.
Why?
Because the future buyer is not just buying the number of bedrooms.
✔️ They are buying how the home feels. ✔️ The arrival experience. ✔️ The layout. ✔️ The project feel. ✔️ The environment. ✔️ The daily comfort. ✔️ The confidence that their family will enjoy living there.
And this is the part many people miss: A buyer who wants a 5-bedroom can often settle for a good 4-bedroom.
But a buyer who wants a better-feeling development may not want to settle for a weaker-feeling one.
Because for many families, the 5th bedroom is a luxury.
Nice to have, but not always a must-have.
So if the 5th bedroom is not a real need, and the buyer has a choice between:
1️⃣ A 5-bedroom in a weaker-feeling development,
or
2️⃣ A very comfortable 4-bedroom in a better-feeling development, many families may still choose the 4-bedroom.
Not because the 5-bedroom is bad.
But because the 4-bedroom feels easier to choose.
That is why in property, we cannot just ask: “Is this bigger?”
We must ask: “When I need to sell next time, who will be the next buyer, what choices will they have, and why would they choose mine?”
Because if you do not understand the end consumer well, you may buy something that looks logical today, but becomes difficult to exit tomorrow.
That day, I almost made a dangerous mistake because I thought all pipes were the same.
In property, many people make expensive mistakes because they think all big units are automatically safer.
But bigger is not always safer.
The safer choice is the one the future buyer will still want. ... See MoreSee Less
Many sellers judge buyer interest by the number of questions asked during a viewing.
If a buyer asks many questions, it is natural to feel that the buyer is very serious.
But in actual selling, this may not always be the case.
Sometimes, more questions simply mean the buyer is still trying to understand the property, the location, the layout, the pricing and the recent transactions.
They may be interested, but they may not be fully ready yet.
On the other hand, some of the most ready buyers may not ask many basic questions during the viewing.
Not because they are not serious.
But because they already know a lot before they come.
📍 They may have already studied the cluster. 📍 They may already know the recent transactions. 📍 They may already compare the available units. 📍 They may already understand the price range.
❗️ So when they come for viewing, they are not coming to learn everything from zero.
❗️ They are coming to confirm whether this is the right unit.
❗️ This is why the first few viewing groups are very important.
Many times, the earliest buyers are not random buyers. They are buyers who have been watching quietly, sitting on the fence, and waiting for the right unit to appear.
To a seller, the first viewing may feel like just the start of the marketing process.
But in many cases, the first viewing can already tell us a lot.
✅ It tells us whether the pricing is attracting the right buyers. ✅ It tells us whether the marketing is reaching the correct audience. ✅ It tells us whether the enquiry quality is strong. ✅ It also tells us whether buyers are still exploring, or already close to making a decision.
That is why selling a home well is not only about opening the door to more viewers.
It is about understanding the quality behind each enquiry, managing the viewing sequence properly, and reading buyer readiness accurately.
Because not every enquiry carries the same quality.
🔺 Some buyers are curious. 🔺 Some buyers are comparing. 🔺 Some buyers are learning.
And some buyers are already ready, but they may not look excited because they have already done their homework.
This is one of the small details in selling that many people may not notice.
But when handled properly, these small details can make a big difference to the final result. ... See MoreSee Less
PART 1 OF 5: Why Are Buyers Suddenly Considering ECs in Locations They Never Wanted?
Recently, I met a few clients who told me the same thing:
“I just want to buy the next EC that is available.”
I can understand why.
With the latest EC policy changes, some buyers may feel that their future choices will become more limited, especially second-timers.
So when the next EC becomes available, the natural reaction is:
“Maybe I should just go for it first.”
But I think this is exactly the moment when buyers need to become more careful.
Imagine a family that has always been waiting for an EC in the east.
▪️ Their workplace is nearby.
▪️ Their children study around the area.
▪️ Their parents, friends and daily activities are also centred there.
Under normal circumstances, an EC in the north or west may never have been part of their property plan.
But after the policy changes, their thinking may start to shift:
📍 “Maybe the north side is also okay.”
📍 “Maybe we should secure an EC first.”
📍 “Maybe future opportunities will become more difficult.”
📍 “Maybe we should not be so particular about location.”
Suddenly, people who originally wanted the east may start considering the north or west.
The same may happen to buyers from other parts of Singapore.
They may not be attracted to the location because it is their preferred area.
Some may be pushed there because they are worried that their future EC choices will become more restricted.
This could create very strong interest in the upcoming EC.
But here is the important difference:
Demand to buy an EC is not always the same as demand to live in that particular location.
We may see strong application numbers and a crowded showroom.
But there is no simple way for us to determine how many buyers genuinely want to stay in that location and how many are coming from other parts of Singapore because the policy has narrowed their perceived choices.
That is why we should not automatically conclude:
“Many people are buying, so it must be a good property.”
Before following the crowd, we need to understand why the crowd is there.
And once the developer realizes that policy changes may be sending more buyers towards its project, another important question arises:
If you were the developer, how would you react?
That will be Part 2. ... See MoreSee Less
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Whenever I handle a transaction, whether it is a purchase or a sale, I want my client to know clearly what we are doing at every stage.
For example, before we even start selling, I may bring the seller out to view some properties first.
But the objective is not necessarily to buy something immediately.
It is a preliminary round for us to understand:
❓ Is a four-room flat suitable for the family?
❓ Would a three-bedroom condo be sufficient, or do they really need a four-bedroom?
❓ Which locations can meet their daily needs?
❓ Most importantly, how many suitable options are actually available outside?
This last question is very important.
📍 If we go out and realise that there are 5 or 6 units that can potentially suit the family, we know there are sufficient options in the market.
📍 When it comes to selling, we can afford to be more flexible and decisive.
📍 But if there are only 1 or 2 suitable units available, then our entire strategy may need to be different.
Because we cannot simply say:
👉 “Let us sell first, then slowly decide what to do next.”
That may sound straightforward, but it can create a lot of panic later.
❗️ Once the current home is sold, the clock starts moving.
❗️ The seller has to think about completion dates, extension arrangements, renovation, temporary accommodation and whether the next suitable unit is still available.
❗️ When all these pressures come together, people may start making decisions that they would not normally make.
❗️ They may accept a selling price that feels high to them, without knowing whether it is truly the best price they could have achieved.
❗️ Or after selling, they may become anxious about having nowhere suitable to move into and end up paying too much for their next property.
❗️ Not because the next property is truly worth that price.
❗️ But because they are stressed, their choices are limited and they need the moving timeline to work.
*****
That is why selling fast is not always a good thing.
The objective is not to sell as quickly as possible.
The objective is to sell at the right price, with a clear next step, while allowing the family to move from one home to another as seamlessly as possible.
That is why every viewing has a purpose.
Before selling, we go viewing to understand the available options and shortlist possible opportunities.
While the property is being marketed, we continue monitoring whether those shortlisted units are still available.
When an offer comes in, we assess both sides immediately:
Is this a good offer for our property?
And are there still suitable opportunities outside for us to move into?
Once we decide to accept the offer, the following weekend is not spent starting the search from zero.
We already understand the market.
We already know what suits the family.
We already have a shortlist.
We can go out, compare the remaining options and focus on securing the best available opportunity.
By then, the seller is very clear.
They know why they are selling.
They know what they are looking for next.
They know how many options are available.
They understand the timeline.
And they know what needs to happen when a serious offer comes in.
*****
This preparation is also one of the ways I help sellers achieve a higher selling price.
Because when a genuine buyer makes an offer, their interest is usually at its highest.
They have just viewed the house.
They are imagining themselves living there.
They may already be discussing how to arrange the furniture, which room belongs to whom and whether this can become their next home.
That is the moment we want to negotiate and lock in their interest.
Not allow their excitement to cool down while the seller is still panicking over what to do next.
Every additional day gives the buyer more time to reconsider.
▪️ They may start viewing other units.
▪️ Their family may begin raising doubts.
▪️ They may compare the price again.
▪️ Or another seller may become more accommodating.
Once the buyer’s interest cools, it becomes harder to hold on to the same offer, let alone negotiate for a better one.
So all this planning is not meant to complicate the selling process.
It is meant to prevent panic later.
It allows us to stay calm when negotiating the selling price, without rushing to accept too little.
It also allows us to stay disciplined when buying the next home, without paying too much simply because time is running out.
Selling fast does not always mean selling well.
A good transaction is one where:
✅ the seller is prepared enough to capture the buyer’s interest while it is high
✅ achieve the best possible outcome and
✅ move into the next home without making decisions out of fear. ... See MoreSee Less
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Recently, I realised something after meeting more and more buyers.
A lot of people think their problem is:
“I haven’t found the right property yet.”
So they keep viewing.
One project after another.
One unit after another.
Every weekend is spent walking into showflats and resale units.
And many people naturally assume that buying a property should take a long time.
One of my buyers told me the same thing.
They said:
“Actually, we thought this whole process would take us a few months.”
In the end?
It took us only 3 weekends to conclude a purchase that they genuinely loved.
Not because we rushed.
Not because I pushed them to buy.
And not because we were lucky enough to stumble upon the perfect unit immediately.
It was because, before we kept looking at more and more properties...
✅ We became clearer about what they were actually trying to solve.
🔹 Are you trying to get more space?
🔹 Move nearer to your parents?
🔹 Reduce your monthly commitment?
🔹 Position yourself better for the next property move?
🔹 Buy something that is easier to exit in future?
Or simply find a home that your family can happily stay in for the next 10 years?
These are very different problems.
And they can lead you to completely different properties.
That is why I always feel property planning should not start with:
“Which unit do you want to see?”
It should start with:
“What are we actually trying to achieve?”
Because when the objective is unclear, every property will look like it has pros and cons.
This one is nearer to MRT, but smaller.
That one is bigger, but further away.
This one is freehold, but more expensive.
That one is 99-year, but has a better layout and a bigger future buyer pool.
This one is newer.
That one has more amenities.
And the more you see, the more confused you can become.
Not because there are no good options.
But because there is no clear framework to judge them.
📍 For this buyer, once we understood what was truly important to them...
✅ what they could compromise on
✅ what they should not compromise on,
✅ and what type of property would still make sense for their future…
The search became much easier.
✔️ We did not need to see everything in the market.
✔️ We just needed to eliminate the wrong things faster.
That is why something they thought would take a few months ended up taking only 3 weekends.
And most importantly, they did not feel that they settled.
They found a home they genuinely loved.
Sometimes, taking a long time does not necessarily mean you are being more careful.
And making a decision faster does not necessarily mean you are rushing.
The real question is:
How clear are you about what you are looking for?
I increasingly feel that my job is not to show people more properties.
It is to help them understand what they are actually trying to achieve.
⭐️ To create a framework to judge the options.
⭐️ To identify what really matters.
⭐️ And to eliminate the wrong ones faster.
Because today, buyers do not lack properties to view.
They lack decision clarity. ... See MoreSee Less
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Yesterday, I met a buyer who asked me:
“Gary, is there anything in the market now that we can take advantage of?”
So I shared one possible direction with her.
I told her that with the new Plus flat framework, there may be an opportunity to look at newer HDBs in strong locations.
Especially near MRT stations, and see whether there is a way to position the purchase more prudently for the future.
Then she told me:
“But I don’t really like those locations leh.
I prefer somewhere where I go downstairs, I have two or three coffeeshops.
I have a few supermarkets to choose from.
MRT is nearby.
Everything is already there.
I am already in my mid-40s. I want somewhere convenient, especially when I grow older.”
And honestly, there is absolutely nothing wrong with what she wants.
So I broke the decision down for her.
I told her, some people may prefer to enjoy more convenience today.
More food choices.
More shops.
More established amenities.
Everything is already there.
Another person may be willing to accept slightly less today.
Maybe not three coffeeshops, but one.
Maybe not three supermarkets, but one.
Because they feel that there is an opportunity in the current market or policy environment that is worth taking advantage of first.
Who is right?
Actually, both can be right.
The real question is not whether you choose A or B.
The real question is:
Before you choose B, do you know what A could have given you?
Maybe it is the cheapo in my blood since young. 😂
🔹 Growing up, I watched how my mum tried to save every single cent.
🔹 If she could walk, she would rather walk than take the bus.
🔹 If something could still be used, she would not replace it.
So somehow, this way of thinking became part of me too.
When I see two choices in front of me, I naturally ask myself:
🔺 “Which one gives me more for what I am giving up?”
That is why when my buyer asked me which direction I would personally choose, I told her honestly:
“If I were in your position, I would first explore the direction that allows me to take advantage of the current policies and gives me more assurance for the future.
If I really cannot find something suitable, then I go back to the original choice.”
Not because her original choice was wrong.
But because to the cheapo me, if there is an opportunity available today, I would want to explore it first before I give it up.
If after exploring, it really does not suit me, then okay, I go back to the original choice.
At least I know I did not walk away from an opportunity without properly understanding it first.
And after our discussion, she actually went back to think about it carefully.
Later, she told me:
“Actually, after thinking through what you shared, I feel that your direction makes a lot more sense.
I think I should explore that route first.
Only if I really cannot find something suitable, then I go back to what I originally wanted.”
To me, this is exactly the difference between simply helping someone buy a property, and helping someone make a property decision.
Most buyers already know what they like.
But they may not know what other opportunities are available to them.
They may not know what they are gaining.
They may also not know what they are giving up.
✅ My job is not to force someone to buy what I think is right.
✅ My job is to show them the full picture.
✅ To let them understand the opportunities available.
✅ To let them understand the trade-offs involved.
And then let them make the decision with their eyes open.
You can choose convenience.
You can choose lifestyle.
You can choose future protection.
There is nothing wrong with any of these choices.
Just make sure you know what you are giving up before you decide.
Because sometimes, after understanding the full picture, you may still choose exactly what you originally wanted.
And sometimes, you may realise there is another direction worth exploring first.
That clarity is what planning is really about. ... See MoreSee Less
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በህይወቴ አንድ ነገር ገጠመኝ ልንገራችሁማ ከእለታት አንድ ቀን በሆነ አጋጣሚ የሆነ ችግር ምክንያት ከቢሮ መስሪያቤት በማላውቀው ጉዳይ የስራ እገዳ ይመጣብኛል የታገደድኩም 1 ወር ነገሩ እስኪጣራ ድረስ ተብሎ ከጊዜ በኋላ ቀኑ ደርሶ ነገሮችን ለማጣራት ወደ መስራቤት ስመለስ ነገሮች ወዳልነበሩ ሁነው ነበር ያግኘኋቸው ከስራ እስከመጨረሻው እንደማልመለስ በማስረጃ ተደግፎ ቀረበልኝ በመጨረሻም የማደርገው ሁሉ ጨነቀኝ አንድ የልብ ጎደኛ አለኝ እሱንም ለእሱም ያለውን ነገር ደውየ አማከርኩት በመጨረሻም እንድረጋጋ ነገረኝ ያው እሱም ለኔ ብሎ ከአለበት አገር ድረስ አቋርጦ መጣ ነገሮችን በተለያዩ ነገሮች ለማስተካከል ሞከርን አልሆነም በመጨረሻም ወደ አንድ ቦታ ይዞኝ ሊሄድ አማከረኝ እኔም ያለሁበት ሁኔታ ጨንቆኝ ስለነበር የደስታ ስሜት ተሰማኝ አንድ አባት አሉ ወደ እነሱ ይዞኝ ሄደ ያለውን ችግር ሁሉ ለአባታችን ነገርኳቸው ነገሩ እንዲህ ነው እንደሚያስተካክሉት ነገሩኝ እኔም ማድረግ ያለብኝን ሁሉ አደረኩኝ ከግዚያት በኋላ ከመስራቤታችን ስልክ ተደውሎ እንድገኝ ነገሩኝ እኔም በተባልኩት ቀናት ቀርቤ ምን አዲስ ነገር እንዳለ ሳማክር ወደ ስራየ መመለስ እንዳለብኝ ሲነገረኝ ማመን አቃተኝ ልቤ በደስታ ሞላ ስራዬንም ተመልሼ መስራት ጀመርኩኝ ሲቀጥል ለነዚያ ትልቅ አባት ደውየ ደስታየን አበሰርኩ አይዞህ በርታም ብለው ሌላኛውን እድል እንድሞክር ነገሩኝ የተባልኩትንም የውጭ ፕሮሰስ ሞልቸ ቀናቶችን መጠበቅ ጀመርኩኝ እንደተባለውም ከሁለት ቀን በፊት የሆነ ህልም አሳየኝ እኔም ባየሁት ነገር ተገርሜ ስለነበር መልሼ ወደነዚያ አባት ደወልኩኝ እኔም ያሳየኝን ነገር ነገርኳቸው እሳቸውም ጥሩ ነገር እንደሚገጥመኝ ነገሩኝ እኔም በደስታ ብዛት ልቤ በፍጥነት መምታት ጀመረ ለጓደኛየም ደውየ ስነግረው በጣም ተደሰተ ቀኑም ደርሶ ነገሮችን ለመስማት ጓጉቻለሁ ሆኖም ከቀኑ 5 ሰአት አካባቢ አዲስ የማላውቀው ስለክ ተደወለልኝ ስልኩንም እንዳነሳሁት ደንበኛችን የውጭ ፕሮሰስ በኛ በኩል ሞልተው ነበር አሉኝ አዎ አልኩኝ እንኳን ደስ አለዎት የሞከሩት ፕሮሰስ ተሳክቷል አሉኝ ደስታየ እጥፍ ሆነ ቤቱ በደስታ ሞላ ለዚህም ያበቁኝን አባታችንን ደውየ እንደተሳ ነገርኳቸው እሳቸውም በጣም ደስ እንዳላቸው ነገሩኝ እኔም ለአባታችን የሆነ ነገር አደረኩኝ ፕሮሰሱንም ጨርሼ አሁን በአሜሪካ እየኖርኩ እገኛለሁ ለዚህም ያበቃኝ ልኡል እግዚያብሄር ምስጋና ይግባው እኒህንም አባት ለተጨነቃችሁ ለተቸገራችሁ ስልካቸው 09-81-26-49-31ነው ደውላችሁ አማክሯቸው imo እና WhatsApp ይገኛሉ
Recently, I started noticing something interesting.
Sometimes, when we read the news, we read every article separately.
One day, the Government talks about Singapore’s low birth rate.
Another day, we read about immigration and the need to continue bringing in new residents.
Then we start seeing reports about household income going up.
After that, discussions start appearing again about whether the HDB income ceiling should be reviewed.
And at the same time, more land is being planned for future housing.
If you read every article individually, they may look completely unrelated.
But what happens if we put them together?
What happens if we stop asking only:
“What did the Government announce?”
And start asking:
“What problem are they trying to solve?”
That was what got me thinking.
Singapore’s birth rate has fallen to a historic low.
To me, the important question is not simply whether the Government is encouraging Singaporeans to have more babies.
Of course they are.
But what happens if the birth rate remains low?
Singapore still needs people.
We still need a working population.
We still need families.
We still need people to support the economy, consume, work, form households and eventually need homes.
So when the local population cannot renew itself sufficiently through births alone, immigration naturally becomes a more important part of the long-term population equation.
I am not saying that the Government will suddenly open the floodgates.
That is not my point.
My point is that when our birth rate keeps falling, population renewal does not become less important.
It becomes more important.
Then I started looking at the next part of the story.
Household incomes have also been rising over the years.
And that brings us to something I have been thinking about for quite some time.
Our HDB income ceiling is still $14,000.
Our EC income ceiling is still $16,000.
But as household incomes increase, more families will naturally move closer to, or eventually cross, these limits.
So the question is:
Will the income ceiling eventually need to be reviewed again?
I do not know when it will happen.
And I am not saying it definitely will happen soon.
But I think this is something worth watching.
📍 Because an income ceiling is not just a number.
📍 It controls demand.
The moment you change the income ceiling, you change the number of people who are allowed to buy a particular type of property.
And this is where I think many people look at policy changes too simply.
When the Government thinks prices are moving too aggressively, they have many ways to control demand.
👉 They can introduce cooling measures.
👉 They can tighten financing.
👉 They can change eligibility.
👉 They can increase supply.
But if one day the Government chooses to raise an income ceiling, what does that mean?
It may mean that more households are now earning at a level where the old ceiling no longer reflects reality.
✅ And by raising the ceiling, more buyers are allowed into the market.
✅ That does not mean the Government is saying property is cheap.
✅ It does not mean prices will automatically go up.
✅ But it does tell us something very important.
✅ The Government is effectively changing the size of the eligible buyer pool.
✅ And whenever the buyer pool changes, demand can change.
****
Then we look at the next piece.
More land is also being planned for future housing.
New housing areas are being studied.
Former camps and other large land parcels may eventually be redeveloped.
Again, if we look at this alone, we can simply say:
“Okay, more supply is coming.”
But I prefer to ask another question.
🔹 Who is all this future housing being planned for?
🔹 What population is Singapore preparing for?
🔹 What type of households will we have ten years from now?
🔹 What will their income levels look like?
🔹 What type of housing will they be eligible to buy?
🔹 And where will this future demand flow?
This is why I feel that sometimes, we should not read government announcements one by one.
☝🏻 The birth-rate discussion may look like a population issue.
☝🏻 Immigration may look like a manpower issue.
☝🏻 Household income may look like an economic issue.
☝🏻 The income ceiling may look like a housing-policy issue.
☝🏻 New housing land may look like a supply issue.
But when you put them together, they may all be connected to one much bigger question:
💡What kind of Singapore are we preparing for over the next 10 to 20 years?
This is how I like to look at property.
Not by simply asking:
“Will the market go up or down?”
That question is too broad.
Instead, I prefer to reverse-engineer what may happen.
❓ What problem is the Government trying to solve?
❓ What policies may eventually need to change?
❓ Who will become the future buyer?
❓ What will this future buyer be allowed to buy?
❓ What can this buyer afford?
❓ And most importantly, where will this demand flow?
Because even if the overall population grows, not every property will benefit equally.
Even if incomes rise, not every property becomes a better investment.
Even if more buyers enter the market, they will not buy everything.
Demand always flows somewhere.
The real opportunity is not simply knowing that demand may increase.
The real opportunity is understanding which segment, which price range and which type of property is most likely to sit in the path of that future demand.
This is why I always tell people:
⭐️ Do not just look at the property in front of you.
⭐️ Try to understand the future buyer behind it.
⭐️ Because ultimately, your future return does not come from how much you love the property today.
⭐️ It comes from whether someone else will have the ability, eligibility and willingness to buy it from you in the future.
So perhaps the recent news is not giving us one answer yet.
But when I look at the sequence, I feel it is asking us to pay attention.
Low birth rate.
Population renewal.
Rising household income.
Possible future changes to housing eligibility.
More land being prepared for future housing.
Are these all separate stories?
Maybe.
But maybe they are also different parts of a much bigger story about how Singapore is preparing for its next phase.
And for me, that is where property planning becomes interesting.
We do not need to predict every policy correctly.
We need to understand the direction.
Then we position ourselves before the direction becomes obvious to everyone else. ... See MoreSee Less
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Almost every new buyer who contacts me asks me the same question.
“Gary, is there anything I can view this afternoon? This evening? This weekend?”
To be honest, I hear this almost every day.
And every time I hear it, I smile.
Not because it’s a wrong question.
But because most buyers don’t realise there are actually two completely different ways to buy a property.
The first is the way almost everyone knows.
📍 Keep viewing.
📍 Keep comparing.
📍 Keep hoping that one day you’ll walk into a unit that you love.
If you don’t like it, view another one.
Eventually, buy the one that feels right.
Nothing wrong with this process.
The only problem is…
☝🏻 You’re choosing from whatever is available.
☝🏻 You may never realise there was a much better opportunity in the market that suited your needs.
☝🏻 Because nobody showed it to you.
The second way is completely different.
Before we even arrange the first viewing, I want to understand what you’re trying to achieve.
🔺 Why are you buying now?
🔺 What are your family’s plans over the next five to ten years?
🔺 What are your financial options?
More importantly, based on the market conditions, government policies and opportunities available at this point in time, where is the hidden opportunity that best suits your needs?
Only after answering these questions do we start shortlisting properties.
I remember a couple who came to me after spending almost six months viewing freehold properties.
Like many buyers, they had been told by people around them,
“If you can afford it, buy freehold.”
So that became their answer.
Weekend after weekend, they viewed one boutique freehold development after another.
Every property ticked the “freehold” box.
Yet after every viewing, they would say the same thing.
“It makes sense… but we just don’t like it.”
🔸 Their logical mind kept telling them to buy freehold.
🔸 But emotionally, they couldn’t imagine themselves living there as a family.
There was never anything wrong with buying freehold.
In fact, there are many situations where I would recommend it.
The issue was that they had decided on the product before understanding where the opportunity was.
So we stopped talking about tenure.
Instead, we started planning.
We looked at their objectives.
📍 Their budget.
📍 Their family.
📍 The market conditions.
📍 The policies in place at that time.
And most importantly, where the real opportunity was for them.
After putting everything together, my recommendation was completely different from what they had been searching for over the previous six months.
They eventually bought a large 99-year development.
Not because 99-year is always better.
Not because freehold is a bad choice.
But because at that point in time, based on their budget, their objectives and the opportunities available in the market, it gave them the strongest overall position.
✅ Just as importantly, it was a place they genuinely loved.
✅ Every day when they came home, they enjoyed living there.
✅ To me, that matters.
✅ A good property shouldn’t just perform well financially.
✅ It should also be a home your family enjoys for many years.
✅ 5 years later, that property appreciated by almost $1 million.
Would I recommend the exact same property today?
Maybe.
Maybe not.
Because markets change.
Policies change.
Opportunities change.
That’s why I rarely begin by asking,
“What house do you want to see?”
I begin by asking,
“Where is the best opportunity for you today?”
Because once we identify that, finding the right property becomes much easier.
I don’t believe my job is to show you the most houses.
I believe my job is to help you understand the market, uncover opportunities that others may not see, and then match those opportunities to what you and your family are trying to achieve.
To me, that’s the difference between shopping for a property…
…and planning for the right property decision. ... See MoreSee Less
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Whenever there’s a new launch, people always ask me,
“Gary, is this project worth buying?”
My answer is always the same.
“I don’t know yet.”
Because before I can answer that question, I need to answer another one first.
How do I know whether today’s launch price is expensive or cheap?
The first thing I do isn’t to study the brochure.
I study the nearby resale market.
Why?
Because the resale market tells me two very important things.
🔺 First, what buyers are already willing to pay today.
🔺 Second, who my future competitors will be when I eventually sell.
Many buyers only think about buying.
I think about selling before I even buy.
Let me give you a simple example.
Suppose a new launch is selling its 2-bedroom units at around $1.5 million.
When I compare it with similar nearby resale transactions over the past six months, I notice comparable units have already been changing hands at around $1.8 million.
Does that automatically mean this launch is undervalued?
Absolutely not.
In fact, this is where I think many buyers, and even many agents, oversimplify property analysis.
It’s very common to hear someone say,
“Look, the resale next door is already transacting at $1.8 million. This new launch is only $1.5 million. It’s definitely value for money.”
To me, that’s only one piece of the puzzle.
It tells me this project deserves a closer look.
It does not tell me it’s worth buying.
One transaction, or even a handful of transactions, is never enough to prove a point.
The next question I ask is,
“Is this pricing gap justified?”
That’s where the real work begins.
📍 Is the resale development closer to the MRT?
📍 Does it have a better layout?
📍 Is it in a more desirable stack?
📍 Does it have stronger facilities?
📍 How many competing projects will there be when my client eventually sells?
If the new launch is weaker in some aspects, how much of a discount should I expect before I consider it fairly priced?
If the new launch is stronger, is the premium reasonable?
These are all the small details that most people don’t see.
Individually, each factor may not seem significant.
But when you put them together, they determine whether the pricing gap is meaningful or whether it’s simply justified by the differences between the two developments.
Even then, this is still only my preliminary research.
Once the official price list is released, I repeat the entire process again using the actual unit prices, stacks and layouts.
Only after that do I decide whether the project is truly worth considering.
What I’m really trying to do is simulate how a future buyer will make their decision.
✅ 5 or 10 years from now, my client won’t be competing against today’s brochure.
✅ They’ll be competing against every similar unit available in the market.
If I can understand today what future buyers are likely to compare, value and pay for...
I stand a much better chance of helping my clients choose a property that remains competitive years later.
That’s why I don’t rely on a single transaction.
I don’t rely on a single number.
And I certainly don’t buy a property just because someone tells me it’s “cheap.”
I gather as much evidence as I can before making a decision.
Because buying the right property has never been about finding one good number.
It’s about putting enough pieces together until the whole picture makes sense. ... See MoreSee Less
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A seller told me something recently.
“Gary, I think the more agents I appoint, the higher my chance of selling.”
At first, it sounded logical.
More agents.
More marketing.
More buyers.
But what if the opposite happens?
Just imagine you’re the buyer.
You’re scrolling through PropertyGuru.
You see the same unit advertised again…
…and again…
…and again.
Let me ask you something.
What’s the first thought that comes to your mind?
1️⃣ “Wow… this must be an amazing unit. I need to arrange a viewing.”
Or…
2️⃣“Has this property been on the market for quite some time?”
“Is the seller becoming anxious?”
“Maybe I can negotiate a better price.”
❗️ Without even stepping into the house, your mindset has already changed.
You’re no longer thinking,
“Is this the right home for me?”
Instead, you’re wondering,
“How much can I bargain?”
That’s why whenever a seller engages me, my first question isn’t,
“How do we market this property?”
Instead, I consider:
“How will buyers perceive this property?”
Because before we create demand…
📍 We must first avoid creating doubt.
📍 Marketing may attract attention.
📍 But it’s strategy that builds confidence.
📍 And confidence is what helps buyers make a decision.
After 20 years in real estate, I’ve become convinced that successful property sales are rarely created by chance.
They’re usually the result of a strategy that’s carefully crafted long before the first buyer walks through the door.
Every successful sale leaves clues.
Every unsuccessful sale teaches a lesson.
Over time, those lessons became the framework I rely on whenever I help a seller.
It doesn’t guarantee that every property will sell overnight.
But it gives my clients a much better chance than simply putting their home in front of more people and hoping for the best. ... See MoreSee Less
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All the best and good luck!
Recently, a homeowner contacted me after trying to sell his HDB flat for almost six months.
There had been plenty of viewings.
But not a single offer.
Like many sellers, he thought the market had slowed down.
When I looked at the situation, I saw it differently.
I wasn’t interested in how many viewings he had.
I wanted to know what every buyer was comparing his flat against.
Because buyers don’t just view one home.
They compare several homes within the same cluster before making a decision.
So before changing anything, I asked myself one simple question.
“If I were the buyer, would I choose this flat or another one?”
To answer that, I studied the competing units.
🔹 Were they priced differently?
🔹 Were they move-in ready?
🔹 Did they offer a better layout or a more practical renovation?
🔹 Was another seller offering a timeline that suited buyers better?
Most importantly…
What would make a buyer choose another home instead of this one?
Once we understood that, we knew exactly what to do.
Sometimes the answer is adjusting the price.
But many times, it isn’t.
Sometimes it’s about positioning the home differently.
Sometimes it’s about highlighting strengths that buyers are genuinely willing to pay for.
And sometimes, after understanding what buyers truly value, you realise your home doesn’t need a lower price.
It deserves a higher one.
✅ Because buyers don’t buy the cheapest home.
✅ They buy the home they believe offers the best value.
Over the years, I’ve learnt one important lesson.
Most sellers see their home through the eyes of an owner.
Successful sellers learn to see it through the eyes of a buyer.
If you’re having difficulty selling your home and you’re not sure how buyers are looking at it, feel free to reach out.
I’m happy to share a few pointers and help you see your home from a buyer’s perspective.
Sometimes, a small change in strategy can make a much bigger difference than simply reducing the price.
wa.me/6597666966/ ... See MoreSee Less
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Staging makes a difference
Recently, I met a seller who asked me to help sell his unit.
After studying all the competing listings in the development, I told him something he probably wasn’t expecting.
“I don’t think you should sell now.”
Instead, I suggested renting it out.
Not because I didn’t want the listing.
But because, at the price he wanted, I didn’t think he was in a strong position to compete.
Many people think an agent’s job starts when the property goes on the market.
I see it differently.
To me, selling starts with strategy.
Before I even talk about marketing, I ask questions like:
• Who are we competing against?
• Can we realistically achieve the seller’s objective?
• If buyers have several similar options, why would they choose this unit?
• If the odds are against us, is selling today really the best decision?
Sometimes, the right advice is not, “Let’s try.”
Sometimes, the right advice is, “Let’s wait.”
A few months later, the seller contacted me again.
He shared that he had appointed more agents, hoping that more exposure would bring a buyer.
One of the agents was already marketing an almost identical unit in the same stack. His thinking was simple: “That agent already has buyers, so he can bring them to my unit too.”
It sounded logical.
But it also made me wonder…
If your agent is already representing a competing unit, who are they really trying to help stand out?
And if both units are almost identical, how do you avoid competing mainly on price?
That’s why I believe selling a property isn’t just about finding buyers.
It’s about having a strategy before the first buyer even walks through the door.
📍 Understanding your competition.
📍 Knowing when to enter the market.
📍 Creating the right viewing experience.
📍 Building momentum instead of relying on luck.
These are the conversations I enjoy having with my clients.
Because my job isn’t simply to help someone sell a property.
My job is to help them make the best overall decision. ... See MoreSee Less
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Saw this gas regulator and pipe during my recent Malaysia family trip.
It reminded me of something scary that almost happened when I was much younger.
Back then, my mum was still using LPG gas tank for cooking.
One day, the gas pipe needed to be changed.
Being the “handy” kind of person, I thought:
“Pipe is pipe what. Water pipe, gas pipe, should be more or less the same right?”
I almost went to buy a normal water pipe to replace the gas pipe myself.
Thankfully, I did not.
Or maybe more accurately, thankfully my mum did not allow me to do it.
Looking back now, I really cannot imagine what could have happened.
Gas leakage. Fire. Explosion.
All because I thought I knew enough.
That incident taught me something important.
Some things may look similar from the outside, but if you do not understand what is behind it, the mistake can be very costly.
And this is something I often see in property too.
Many people say:
📍 “Buy the biggest unit.”
📍 “5-bedroom is safer.”
📍 “Bigger units are rarer.”
On the surface, it sounds logical.
But property is not so simple.
Sometimes, even in the same location, a 5-bedroom in a weaker-feeling development may still lose to a very comfortable
4-bedroom in a better-feeling development.
Why?
Because the future buyer is not just buying the number of bedrooms.
✔️ They are buying how the home feels.
✔️ The arrival experience.
✔️ The layout.
✔️ The project feel.
✔️ The environment.
✔️ The daily comfort.
✔️ The confidence that their family will enjoy living there.
And this is the part many people miss:
A buyer who wants a 5-bedroom can often settle for a good 4-bedroom.
But a buyer who wants a better-feeling development may not want to settle for a weaker-feeling one.
Because for many families, the 5th bedroom is a luxury.
Nice to have, but not always a must-have.
So if the 5th bedroom is not a real need, and the buyer has a choice between:
1️⃣ A 5-bedroom in a weaker-feeling development,
or
2️⃣ A very comfortable 4-bedroom in a better-feeling development, many families may still choose the 4-bedroom.
Not because the 5-bedroom is bad.
But because the 4-bedroom feels easier to choose.
That is why in property, we cannot just ask:
“Is this bigger?”
We must ask:
“When I need to sell next time, who will be the next buyer, what choices will they have, and why would they choose mine?”
Because if you do not understand the end consumer well, you may buy something that looks logical today, but becomes difficult to exit tomorrow.
That day, I almost made a dangerous mistake because I thought all pipes were the same.
In property, many people make expensive mistakes because they think all big units are automatically safer.
But bigger is not always safer.
The safer choice is the one the future buyer will still want. ... See MoreSee Less
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Many sellers judge buyer interest by the number of questions asked during a viewing.
If a buyer asks many questions, it is natural to feel that the buyer is very serious.
But in actual selling, this may not always be the case.
Sometimes, more questions simply mean the buyer is still trying to understand the property, the location, the layout, the pricing and the recent transactions.
They may be interested, but they may not be fully ready yet.
On the other hand, some of the most ready buyers may not ask many basic questions during the viewing.
Not because they are not serious.
But because they already know a lot before they come.
📍 They may have already studied the cluster.
📍 They may already know the recent transactions.
📍 They may already compare the available units.
📍 They may already understand the price range.
❗️ So when they come for viewing, they are not coming to learn everything from zero.
❗️ They are coming to confirm whether this is the right unit.
❗️ This is why the first few viewing groups are very important.
Many times, the earliest buyers are not random buyers. They are buyers who have been watching quietly, sitting on the fence, and waiting for the right unit to appear.
To a seller, the first viewing may feel like just the start of the marketing process.
But in many cases, the first viewing can already tell us a lot.
✅ It tells us whether the pricing is attracting the right buyers.
✅ It tells us whether the marketing is reaching the correct audience.
✅ It tells us whether the enquiry quality is strong.
✅ It also tells us whether buyers are still exploring, or already close to making a decision.
That is why selling a home well is not only about opening the door to more viewers.
It is about understanding the quality behind each enquiry, managing the viewing sequence properly, and reading buyer readiness accurately.
Because not every enquiry carries the same quality.
🔺 Some buyers are curious.
🔺 Some buyers are comparing.
🔺 Some buyers are learning.
And some buyers are already ready, but they may not look excited because they have already done their homework.
This is one of the small details in selling that many people may not notice.
But when handled properly, these small details can make a big difference to the final result. ... See MoreSee Less
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