Singapore Property Agent

Data-Driven Property Decisions for Singapore.

Joanne Low — Singapore Property Agent. HDB Upgrades, Condo & Commercial Investments.

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HDB Upgrade Specialist
Data-Driven Advice
Singapore-Licensed (CEA)
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Who I Help

Built for every stage of your property journey

Whether it's your first upgrade or your fifth investment, I bring the same rigour and data-first approach.

Most popular
01

HDB Upgraders

You've outgrown your flat. I help you time the market, navigate CPF rules, and step into your first private property with zero guesswork.

CPF Planning Timing Strategy HDB Sale
02

Condo Buyers & Sellers

From entry-level to luxury, I bring granular transaction data and a deep network to find deals before they hit the portals.

New Launch Resale Investment
03

Investors & Foreign Buyers

ABSD-efficient structuring, commercial opportunities, and a clear view of Singapore's rental yield landscape to protect your capital.

ABSD Advisory Commercial Rental Yield

Latest Newsletter

Latest market update from Joanne

Read the most recent newsletter issue for Singapore resale trends, HDB upgrade timing, policy updates and district insights.

Latest issue Week of Monday, 11 May · 11 May 2026

Weekly Property Market Update — May 11, 2026

This week's Singapore property market snapshot: resale volumes, new launch trends, policy updates, and key district insights. Updated every Monday morning.

market updatesingapore propertyweekly
Read the latest issue

Free Resources

Download my free property guides

No fluff. These are the exact frameworks I use with every client.

Interactive

Mortgage Calculator

Monthly Repayment & TDSR

Compute your monthly repayment, total interest, and check whether you pass the TDSR stress test — for any Singapore bank loan.

Open tool
Updated May 2026

New Launches 2026

Full Project List

Every new launch condo and EC in Singapore in 2026 — lease type, district, unit count, and developer in one table.

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PDF Guide
HDB Upgrade Guide

HDB Upgrade Guide

2026 Edition

Step-by-step playbook: when to sell, MOP timeline, bridging loan strategies, and how to maximise your CPF proceeds.

28 pages
Download Free Guide
PDF Guide
ABSD Calculator Guide

ABSD Calculator Guide

Save on Stamp Duty

Know exactly how much ABSD you owe, legal decoupling strategies, and structures that protect foreign buyers.

16 pages
Download Free Guide
PDF Guide
Decoupling Guide

Decoupling Guide

99:1 Strategy

How decoupling works, why couples use a 99:1 split, full cost breakdown for a $1M property, and the mortgage checklist.

8 pages
Download Free Guide
PDF Guide
Renter's Checklist

Renter's Checklist

Before You Sign

Everything to check before renting in Singapore — landlord verification, TA clauses, deposit protection, unit condition, and HDB rules.

6 pages
Download Free Guide
PDF Guide
Rental Lease Timeline

Rental Lease Timeline

LOI to Deposit Return

Every milestone from Letter of Intent to move-out — what to do, when to do it, and how to protect your deposit throughout.

5 pages
Download Free Guide
PDF Guide
CPF Mortgage Guide

CPF Mortgage Guide

OA · Limits · MI Update

How CPF-OA pays your mortgage, Valuation and Withdrawal Limits explained, accrued interest calculator, and step-by-step guide to updating your Monthly Instalment after refinancing.

7 pages
Download Free Guide

Free Valuation

What is your property worth?

Get a data-backed valuation using real URA and HDB transaction data. No obligation, no pressure.

WhatsApp Joanne

Fastest response — usually within the hour. Tell me your property and I'll get back to you with data.

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Request a Valuation

Fill in a few details and Joanne will reach out within 24 hours.

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📊 Real URA & HDB transaction data
🤝 No obligation, no pressure
⚡ Response within 24 hours
Joanne Low — Singapore Property Agent
CEA Reg. No. R062312E
Agency Huttons Asia Pte Ltd
Specialisation HDB Upgrade · Condo · Commercial
Languages English, Mandarin, Hokkien

About Joanne

Your property decisions deserve better data.

I specialise in Singapore residential property — HDB upgrades, private condo, and investment planning. I don't believe in gut feel — every recommendation I make is backed by transaction data, market timing analysis, and a genuine understanding of your goals.

Whether you're upgrading from HDB to your first private condo or building a multi-property portfolio, I'll help you see the full picture — taxes, cash flow, timing, and exit strategy.

WhatsApp Joanne +65 9068 0046
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Data-Driven
Every recommendation backed by URA transaction data and market timing analysis.
🏠
HDB Upgrade Specialist
Deep expertise in MOP planning, CPF refunds, concurrent sales, and bridging timelines.
🤝
Client-First
Independent advice aligned with your goals — not a target or quota.
🇸🇬
CEA Licensed
Reg. No. R062312E · Huttons Asia Pte Ltd · Licensed since 2013.