Services
One advisor for every stage of your property journey
Each service below explains who it's for, the problem it solves and what happens step by step — so you know what you're getting before we ever speak.
Quick answer
Geraldine Koh provides seven services for families in Singapore: property sale representation, buyer representation, HDB upgrading advisory, new launch consultation, investment planning, rental and landlord services, and home valuation reviews. Every engagement begins with a free, no-obligation discussion on WhatsApp, and fees are agreed in writing before work starts.
Service 01
Selling a property
Who it's for: owners of HDB flats or private homes in the west who want a well-managed sale at a defensible price.
The problem: most sellers get two extremes — an inflated valuation to win the listing, or a lowball push for a fast commission. Both cost you money.
How I help: a pricing opinion built from recent transactions in your block and estate, honest feedback after every viewing, and negotiation that doesn't fold at the first offer.
The process
- Pricing review with transaction evidence
- Preparation advice — what's worth fixing, what isn't
- Photography and listing across major portals
- Managed viewings with feedback reported to you
- Negotiation, paperwork and completion
Useful reading: Selling your HDB flat: process, timeline and costs
Ask about sellingFull details: selling a property in Singapore
Service 02
Buying a property
Who it's for: families buying an HDB resale flat, EC or private home — especially first-timers who want someone on their side of the table.
The problem: buyers often view homes before knowing their true budget, then stretch to make a unit "work". That's how families end up house-rich and cash-poor.
How I help: budget first (TDSR, MSR, CPF, stamp duties), then a focused shortlist, then honest assessments — I'll point out the afternoon sun, the road noise and the overpricing.
The process
- Affordability session before any viewing
- Requirements list ranked by what really matters
- Shortlisting and accompanied viewings
- Price benchmarking against actual transactions
- Offer strategy, OTP, and completion support
Useful reading: Resale condo vs new launch: how to choose
Ask about buyingFull details: buying a property in Singapore
Service 03
HDB upgrading
Who it's for: HDB owners past their Minimum Occupation Period considering a move to a condo, EC or larger flat.
The problem: upgrading is two transactions with one shared timeline. Get the sequence wrong and you may face avoidable ABSD, a bridging loan you didn't budget for, or weeks without a home.
How I help: one coordinated plan covering your sale price, CPF refund, next-home financing and moving dates — with the sell-first vs buy-first decision made on numbers, not guesswork.
The process
- Upgrading feasibility review — proceeds, CPF, affordability
- Sequence decision: sell-first, buy-first, or simultaneous
- Sale management of your current flat
- Purchase support for the next home
- Timeline coordination through both completions
Useful reading: Upgrading from HDB to condo: the full timeline
Ask about upgradingFull details: HDB upgrading service
Service 04
New launch consultation
Who it's for: buyers considering a new project who want an independent view before signing a cheque at the showflat.
The problem: showflats are designed to sell. Stack selection, pricing versus nearby resale, and completion-timing risks rarely get equal airtime.
How I help: a project assessment covering price against comparable resale, unit and stack selection, payment scheme implications and who the project genuinely suits — including when my answer is "the resale next door is better value".
The process
- Requirements and budget check
- Project analysis with comparables
- Showflat visit — with me alongside you
- Stack and unit shortlisting
- Booking-day support and paperwork
Browse: new launch directory for the west
Ask about a new launchService 05
Property investment planning
Who it's for: owners and buyers weighing a second property, or deciding what to do with sale proceeds.
The problem: investment maths in Singapore is dominated by stamp duties and financing rules. A property that "feels" like a good buy can be underwater once ABSD, interest and vacancy are priced in.
How I help: a written breakdown of entry costs (including current ABSD at your profile), realistic rental income based on actual leases in the area, holding costs and exit scenarios — before you view anything.
The process
- Goals and constraints discussion
- Stamp duty and financing position check
- Yield analysis with real rental data
- Shortlist with strengths and trade-offs
- Purchase execution and tenanting
Service 06
Rental & landlord services
Who it's for: landlords with a unit to lease, and tenants searching for a home in the west.
The problem: for landlords, a bad tenant costs far more than a vacant month. For tenants, listings move fast and agreements are skimmed rather than read.
How I help: landlords get marketing, tenant screening and a tenancy agreement that protects them; tenants get a realistic shortlist and negotiation on rent and terms.
The process
- Rental pricing based on recent leases nearby
- Marketing and viewing management
- Tenant screening and reference checks
- Tenancy agreement and handover inventory
- Renewal and re-letting support
Service 07
Home valuation review
Who it's for: owners curious what their home could realistically sell for — including those with no immediate plan to sell.
The problem: portal estimates can swing widely, and a number pulled from an algorithm doesn't account for your renovation, floor, or facing.
How I help: a grounded pricing view using recent transactions in your block and immediate area, with an honest explanation of where your unit sits in that range — and no obligation to list.
The process
- Share your address and unit details on WhatsApp
- I review recent nearby transactions
- Optional home visit for a refined view
- You receive a written pricing opinion
Not sure which service fits?
Describe your situation in a WhatsApp message and I'll point you in the right direction — even if the answer is "you don't need an agent for this".
Message me on WhatsApp