Singapore Property Agents

Your Trusted Singapore Property Agent for Smart Investments

Looking for expert Singapore Property Agents to guide you through real estate investments? Property investment is a significant decision that requires careful planning and strategic wealth management. Whether you’re buying your first home, upgrading to a Luxury Condo, investing in Commercial and Industrial properties or seeking investment in Overseas properties, We are here to help you navigate the dynamic real estate landscape in Singapore and beyond.

 

Why Invest in Real Estate?

Real estate remains one of the most stable and rewarding asset classes for long-term financial growth. Singapore’s real estate market is one of the most stable and sought-after in the world. With strong economic growth, excellent infrastructure, and a transparent regulatory environment, investing in Singapore properties offers long-term value and security. Additionally, overseas real estate investment provides diversification and access to high-growth markets worldwide. Contact us to find out more.

Serene Ng PWS

Trusted Property Agent in Singapore with CPA Expertise

Helping You Buy, Sell & Invest with Confidence

Welcome! I’m Serene Ng, a Certified Public Accountant (CPA) and a licensed property agent (RES) based in Singapore. I  have also completed the Property Wealth System (PWS) Master Class. With a strong foundation in finance and a passion for real estate, I’m dedicated to helping clients like you make confident, informed decisions in property investment, whether you’re buying, selling, or renting.

As a trusted property advisor, I go beyond the transaction—I provide strategic insights tailored to your goals, backed by sound financial analysis. Whether you’re a first-time buyer, seasoned investor, or business owner looking for industrial space, I offer transparent advice, market updates, and personalised service every step of the way.

Why Choose Me as Your Trusted Property Agent in Singapore?

  • Financial Expertise You Can Trust
    As a CPA, I bring a high level of financial knowledge to every real estate transaction, helping you make smarter, financially sound decisions.
  • Comprehensive Property Services
    I offer a wide range of services, from buying, selling, and renting residential properties to investment opportunities in industrial real estate. Whether you’re looking for a dream home or a commercial space, I have you covered.
  • Market Expertise
    I stay updated with the latest market trends, government policies, and emerging opportunities, such as new property developments and upcoming areas of growth in Singapore. This allows me to provide you with valuable insights and help you make timely, informed decisions.
  • Personalized Service
    I understand that every client is different. That’s why I take the time to listen to your needs and tailor solutions that work for your specific goals—whether it’s investing in industrial properties, upgrading your home, or planning for long-term capital appreciation.

My Real Estate Services:

Comprehensive Property Wealth Planning in Singapore 

I offer a holistic approach to property wealth management, empowering clients to achieve long-term financial stability through strategic property decisions. My services include:

Buying and Selling Residential Properties

Whether you’re purchasing your first home or selling an existing property, I provide detailed market insights, property trends, and recent nearby sales data to support your decision-making. I customize property searches based on your specific criteria and budget, ensuring you find the perfect match.

Asset Progression Planning

Thinking of upgrading from an HDB to private property or expanding your portfolio? I conduct a thorough “health check” on your current property and develop personalized strategies to maximize your asset progression and wealth growth.

Industrial and Commercial Property Investment

I offer expert advice on the key differences between industrial and residential property investments, including ABSD (Additional Buyer’s Stamp Duty), tax implications, and various investment strategies to suit your financial goals.

Property Rental Services

Whether you are seeking to rent or lease a residential or industrial property, I assist both tenants and landlords in securing the right space. I ensure a smooth and efficient rental process, providing end-to-end support throughout the journey.

Risk Management and Exit Strategies

Safeguard your investments with tailored risk mitigation plans and clearly defined exit strategies, designed to protect and enhance your property portfolio.

Loan and Mortgage Advisory

Through my trusted network of bankers, I offer access to competitive financing options and provide guidance to help you optimize your property purchase with the right loan solutions.

Statutory Compliance for Investment Holding Companies

To ensure full compliance with Singapore’s regulatory requirements, I recommend trusted accounting firms that offer comprehensive solutions — from company incorporation, bookkeeping, and annual filing to GST registration and tax compliance. This allows you to focus on growing your property investments while the experts manage the administrative and financial obligations.

 

Residential Property Singapore

Residential Property Investment

  • Discover the best private condominiums, HDB flats, and landed properties that fit your lifestyle and investment needs.
  • Buying and Selling Services
  • New Launch
  • Luxury condos
  • Rental
Office spaces

Industrial/Commercial Property Investment

  • Explore prime office spaces, retail units, and industrial properties to maximize your business potential and rental yields
  • Buying and Selling 
  • Rental and Leasing 
  • New Launch
Overseas Properties

Overseas Property Investment

  • Gain access to high-potential real estate markets worldwide, including Australia, the UK, Malaysia, and more.
  • New Launch
One Marina Gardens

ONE MARINA GARDENS

One Marina Gardens situated in the heart of the Marina Bay precinct. With proximity to key business districts, luxury retail hubs, and world-class dining options, residents and professionals alike benefit from the vibrancy of this dynamic neighborhood. The development is well-connected via major MRT lines, expressways, and pedestrian-friendly walkways, ensuring smooth connectivity to the rest of the city.

The Hill new launch

The Hill @ One-North

The Hill @ One- North is a  New mix-use development located near One North Business Hub and nearby Educational Hub. A premium living space embodying a lifestyle ethos that transcends boundaries of age, race, and nationality, fostering a vibrant community where residents seamlessly integrate living, working, and studying together.

The Lakegarden Residences

The LakeGarden Residences offers an exclusive and luxurious living experience. Linked to the Jurong Lake Garden, offering a scenic view of the lake, garden, and invigorating fresh air.

Get in Touch Today!

Ready to take the next step in your property journey? Whether you’re buying, selling, renting, or investing, I’m here to help you every step of the way.

Property Investment in Singapore: Residential, Commercial, and Industrial

Singapore, one of the world’s most dynamic and stable economies, offers exciting opportunities for property investment. Whether you’re considering a residential, commercial, or industrial property, understanding the diverse types, pricing zones, and investment factors will help you make a more informed decision. In this guide, we will break down key considerations for each property type, and provide insights into how Singapore postal codes, OCR, RCR, and CCR impact prices and your overall investment strategy.

Types of Property Investment in Singapore

Residential Properties

Residential properties are the most popular investment option in Singapore. From HDB flats to condominiums and landed homes, investors have access to a variety of choices, each with its own benefits and considerations.

  • HDB Flats: The government’s public housing system, with restrictions on ownership, but also accessible grants for first-time buyers.
  • Condos: Typically for private ownership, offering a range of amenities and services. Great for both capital appreciation and rental yields.
  • Landed Properties: These include terrace houses, semi-detached houses, and bungalows. They are ideal for high-net-worth individuals looking for privacy and long-term growth.

Commercial Properties

Commercial properties are an excellent investment for those seeking higher rental yields. These properties can range from office units to retail spaces and shophouses. Generally, commercial properties in Singapore offer good returns, especially in prime areas.

  • Office Spaces: Ideal for corporate tenants, offering stable rental income.
  • Retail Spaces & Shophouses: These properties are great for investment in bustling commercial districts, offering both long-term value and flexible leasing options.

Industrial Properties

Industrial properties in Singapore cater to the growing need for warehouses, factories, and logistics hubs. Industrial property investments generally offer stable returns with longer leases compared to residential or commercial sectors.

  • B1/B2 Industrial Properties: B1 properties are light industrial, while B2 is for food industries and heavier industries. Investors benefit from longer-term leases and steady demand for industrial space.

Singapore Postal Code Zones: How OCR, RCR, and CCR Affect Property Prices

Singapore is divided into three main residential price zones based on location: Central Core Region (CCR), Rest of Central Region (RCR), and Outside Central Region (OCR). These regions have a major influence on property pricing, with the CCR being the most expensive.

Central Core Region (CCR)

  • Definition: This includes the heart of the city, such as Orchard Road, Marina Bay, Sentosa, and Districts 1-4.
  • Impact on Prices: The CCR is home to luxury condominiums, high-end office spaces, and prime commercial properties. Properties here tend to have higher capital appreciation potential, making them attractive for high-net-worth individuals and foreign investors.

Rest of Central Region (RCR)

  • Definition: This area includes parts of the city like Tiong Bahru, Queenstown, and Bukit Merah. These are still considered prime urban areas, but less expensive than the CCR.
  • Impact on Prices: The RCR offers properties with good investment potential, thanks to strong rental demand from both locals and expatriates. These areas are excellent for people looking to balance price and location.

Outside Central Region (OCR)

  • Definition: This includes the more suburban areas, such as Jurong East, Tampines, and Woodlands.
  • Impact on Prices: The OCR offers the most affordable residential options in Singapore, ideal for first-time buyers or investors looking for stable rental yields without the high upfront costs of CCR and RCR.

Tenure and Its Impact on Property Investment

In Singapore, most residential properties come with either a 99-year leasehold or freehold tenure. Understanding the implications of each is key to making a solid investment decision.

99-Year Leasehold

  • Definition: The property will revert to the government after 99 years. This is the most common tenure in Singapore for both private residential and industrial properties.
  • Impact: While the property value will decline towards the end of the lease, properties in prime locations tend to retain their value longer. Investors need to be mindful of the property’s remaining lease when purchasing.

Freehold

  • Definition: The investor owns the property indefinitely, making it a more attractive option for long-term investors.
  • Impact: Freehold properties tend to appreciate at a faster rate, especially if they are located in desirable areas (e.g., CCR). Freehold properties are often more expensive upfront but offer more capital appreciation potential.

Price Impact of Postal Codes and Locations

The postal code and location of a property play a significant role in its value. Areas closer to public transport hubs, business districts, and upcoming developments tend to see higher demand, driving up property prices.

  • Prime Areas: Properties in CCR (e.g., Districts 1-4) have the highest price impact due to land scarcity, luxury demand, and proximity to key business districts.
  • Emerging Areas: RCR and OCR offer opportunities for both growth and affordability, with rising infrastructure and future developments like MRT lines contributing to price appreciation over time.

 

Why Invest in Singapore Property?

Singapore’s stable economy, strong rental yields, and favorable tax policies make it a prime destination for property investment. Whether you’re interested in residential, commercial, or industrial properties, the OCR, RCR, and CCR zones offer unique opportunities for diversification. When making an investment, always consider the location, tenure, and the current property market trends to ensure optimal returns.

If you’re ready to take the next step in your property investment journey in Singapore, contact me today to explore the best opportunities tailored to your goals.

Start Your Investment Journey Today!

Whether you’re looking to purchase a home, expand your investment portfolio, or explore commercial and overseas property opportunities, we are here to guide you. Contact us today for a consultation and unlock the best real estate investment opportunities in Singapore and beyond!

Frequently Asked Questions (FAQ)

How can a CPA help with my property investment?

As a CPA, I provide valuable financial insights into your property decisions. I can assist you to review the ROI, cashflow and ABSD implication.

What is the best time to buy or sell property in Singapore?

The best time to buy or sell depends on market conditions and your financial goals. I can provide the market trends for you to decide whether it is a best time to invest.

Can a foreigner buy private property in Singapore?

Yes, foreigners can buy private condos and apartments but face restrictions when buying landed properties unless approved by SLA

Can foreigner buy industrial and commercial properties in Singapore

Yes, foreigners are allowed to buy industrial and commercial properties in Singapore.

Is there any ABSD payable for Industrial and Commercial Properties?

Currently, there is no ABSD payable for the buying the Industrial and Commercial Properties. However, the BSD (Buyer Stamp Duty) is payable.

What is Singapore Postal Districts and the Main Areas they cover?
District Main Areas
1 Raffles Place, Cecil, Marina, People’s Park
2 Anson, Tanjong Pagar
3 Queenstown, Tiong Bahru
4 Telok Blangah, Harbourfront
5 Pasir Panjang, Hong Leong Garden, Clementi New Town
6 High Street, Beach Road (part)
7 Middle Road, Golden Mile
8 Little India
9 Orchard Road, Cairnhill, River Valley
10 Bukit Timah, Holland Road, Tanglin
11 Watten Estate, Novena, Thomson
12 Balestier, Toa Payoh, Serangoon
13 MacPherson, Braddell
14 Geylang, Eunos
15 Katong, Joo Chiat, Amber Road
16 Bedok, Upper East Coast, Eastwood, Kew Drive
17 Loyang, Changi
18 Tampines, Pasir Ris
19 Serangoon Garden, Hougang, Punggol
20 Bishan, Ang Mo Kio
21 Upper Bukit Timah, Clementi Park, Ulu Pandan
22 Jurong, Boon Lay, Tuas
23 Hillview, Dairy Farm, Bukit Panjang, Choa Chu Kang

Call for consultation

(65) 8127 7770 Serene Ng

CEA Registration No : R071621C