Hi, I'm Ann Chua. I help clients navigate important property decisions with practical guidance, market insight, and a people-first approach.
Your upfront budget may include the down payment, Buyer’s Stamp Duty (BSD), Additional Buyer’s Stamp Duty (ABSD), legal fees, valuation fees and renovation costs. The amount payable depends on the property type, purchase price, loan amount, citizenship and number of properties you own. CPF savings may be used for eligible purchases, subject to prevailing CPF rules and limits.
Eligibility depends on factors such as citizenship, age, household profile, income, existing property ownership and the property’s Minimum Occupation Period (MOP). HDB flats and executive condominiums have specific eligibility conditions, while private properties generally have fewer purchase restrictions. Foreign buyers should also check approval requirements and applicable stamp duties.
Buyers generally pay Buyer’s Stamp Duty. Additional Buyer’s Stamp Duty may apply depending on citizenship, residency status and the number of residential properties owned. Sellers may need to pay Seller’s Stamp Duty if the property is sold within the applicable holding period. As rates and rules can change, confirm the latest amount with IRAS before committing to a transaction.
The right sequence depends on your finances, housing needs and risk tolerance. Selling first may provide greater budget certainty and reduce the risk of owning two properties simultaneously, but temporary accommodation could be necessary. Buying first provides continuity but may require bridging finance and could affect ABSD, loan eligibility and CPF usage. A financial timeline can help identify the safer option.
A property agent can help with pricing, financial calculations, listings, viewings, negotiations, paperwork and transaction coordination. The agent should explain their scope of work and commission before you sign an estate agency agreement. Commission rates are negotiable and may be subject to GST. Verify that your agent is registered through the CEA Public Register.
Sep 2026
Wed 7 Apr 2027, 09:00-18:00
Marina Bay Sands
Price: $388
*ERA VIP members enjoy an exclusive promo code for $88. Sign up now!
Property Investment Masterclass (PIM) is your fast track from curious to confident. In two power-packed days, cut through the market noise and get a clear, step-by-step playbook: how to read real signals, time your entry/exit like a pro, and turn your home into a springboard for a resilient property portfolio.
Expect high-energy sessions, live demos, and real case studies you can apply. Walk out with a personalised action plan, so you know exactly what to buy, when to move, and how to manage cashflow without guesswork.
If you’re ready to level up for 2027 and beyond, this is the room. Seats are limited for maximum interaction.
(*NTUC members can claim up to 50% of the unfunded course fee via UTAP! Click here to sign up now! T&Cs apply.)
Mon 16 Nov 2026, 10:00-17:00
ERA APAC CENTRE, AUDITORIUM
Ever feel like your presentations aren’t making the impact to secure your exclusive?
Ready to acquire the art of persuasion?
Look no further!
AGDD Donny Lee, with his award-winning experience, is here to share his easy-to-follow, proven strategies for delivering the Ultimate Sales Presentation and secure your exclusively seamlessly.
In this game-changing session, you’ll:
✅Effortlessly turn objections into agreements
✅Learn how to lock in exclusive listings in minutes
✅Make your presentation so good that clients can’t say no!
Don’t settle for "no." Sign up now and start getting the YES you deserve! Let's go!
Tue 3 Nov 2026, 19:00-21:00
ERA APAC CENTRE, ARDMORE ROOM
What if you could build a successful real estate business without having to rush the process?
At this Success Seminar, hear from our speakers on what it takes to build a business at your own pace and create a strong foundation for long-term success.
What you’ll take away:
✅ The foundation: Why $270K wasn’t luck
✅ Building at your own pace: Systems over hustle
✅ The path forward: Turning year one into a career
From your first year to the years ahead, discover how to approach your real estate journey with greater clarity and confidence.
Learn directly from:
♦️ Jasmine Chan – Senior Executive Group Division Director (SEGDD)
A sought-after mentor known for helping new agents gain clarity, confidence and real results through practical coaching and structured guidance.
♦️ Christopher Ng – Executive Group Division Director (EGDD)
A multi-millionaire achiever and exceptional team leader who has developed a unique framework that continues to drive teams to achieve incredible milestones.
♦️ James Kong – Marketing Director (MD)
A Top 50 Achiever and Certified Asset Progression Strategist who combines strong market knowledge with a strategic approach to real estate.
♦️ Rekael Das – Marketing Director (MD)
An experienced realtor with expertise in asset progression, bringing a people-first approach and practical insights to building a rewarding career in real estate.
Mon 2 Nov 2026, 20:00-22:00
ERA APAC CENTRE, ARDMORE ROOM
🔥 How do you keep winning when the market keeps changing?
Some months are great. Others are quieter. Markets change, leads come and go, but a strong real estate business should be built to last through it all.
At this Success Seminar, hear from four leaders as they share how they generate leads, stay consistent and adapt their strategies to keep their business moving through different market conditions.
What you’ll take away:
✅ The Lead Generation Engine – How top agents consistently create new leads instead of waiting for business to come.
✅ The Consistent Achiever Blueprint – The systems, habits and strategies that keep your pipeline moving through every market cycle.
✅ How to Win Through the Ups & Downs – How to stay relevant, adaptable and profitable — whether the market is booming or slowing down.
This seminar is open to external and brand-new agents.
Whether you’re new to real estate or looking to build a more consistent business, come discover what it takes to build a career that lasts.
Seats are limited. Register now!
Learn directly from:
♦️ Tracy Teo, Senior Director of Agency
A seasoned leader who champions sustainable success through strong fundamentals, personalised strategies and holistic mentorship.
♦️ Ryan Lee, Group Division Director
A dedicated mentor who helps agents build strong foundations, consistent lead pipelines and the systems to succeed independently.
♦️ Evon Ng, Senior Marketing Director
A fast-rising achiever who turned focused marketing and consistent execution into rapid success in real estate.
♦️ Yu Tianxin, Marketing Manager
A young achiever who built strong momentum early in her real estate career and achieved Million Dollar Club within her first year.
Tue 6 Oct 2026, 20:00-22:00
Join us for an Exclusive Consumer Sneak Preview as we uncover what makes Thomson Reserve one of the most anticipated developments in Upper Thomson.
Beyond what you see in the brochure, we'll take you deeper into the development — exploring its investment potential, uncovering the finer details, and highlighting what truly matters when choosing the right unit.
For the first time, we'll also be sharing our unit selection insights, giving you a closer look at the different choices within Thomson Reserve.
💡 What you can look forward to:
✅ Discover the 7 Pillars of Investment Potential
✅ See Thomson Reserve from an insider's perspective
✅ Exclusive reveal of every unit type
✅ Experience the actual views and perspectives from different units
👉 Join us on 6 October and discover Thomson Reserve beyond the brochure.
Mon 5 Oct 2026, 19:00-21:00
The Serra Residences Sales Gallery (11 Bassein Road, Singapore 309839)
Novena has long been one of Singapore’s sought-after prime residential locations, combining city-fringe convenience, excellent connectivity and a well-established healthcare and lifestyle ecosystem.
But in today’s market, what does it take to own a prime freehold home in Novena and why could now be the time to take a closer look?
Join CEO Marcus Chu & EDA Chris Chen at this exclusive Ultimate Consumer Seminar as they uncover the enduring appeal of Novena, understand who is buying into the CCR and explore how past freehold properties in the area have performed, featuring The Serra Residences.
💡 In this session, you’ll gain insights into:
✅ What it costs to own prime freehold today
✅ Who is buying into the CCR
✅ What past Novena freehold buyers made
👉 Register now and discover why Novena and prime freehold deserve your attention today.
