Zak S - Realtor

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Zak S - Realtor CEA Reg No. R069361E
Hello! After 15 years in HDB/IRAS, this former Valuer is now with Singapore Realtors Inc and hopes to serve you as a Realtor.

04/10/2026

When people hear “asset progression”, many immediately picture a bigger condo or a more expensive home.

That’s not how I see it.

To me, asset progression is about making your next move only when it improves your financial position and fits your long-term goals.

Sometimes that’s upgrading.

Sometimes it’s waiting.

Sometimes it’s deciding not to move at all.

There’s no prize for upgrading quickly.

The right move is the one that makes sense for you.

💬 What’s your definition of asset progression?

—

𝙃𝙚𝙡𝙥𝙞𝙣𝙜 𝙝𝙤𝙢𝙚𝙤𝙬𝙣𝙚𝙧𝙨 𝙢𝙖𝙠𝙚 𝙥𝙧𝙤𝙥𝙚𝙧𝙩𝙮 𝙙𝙚𝙘𝙞𝙨𝙞𝙤𝙣𝙨 𝙬𝙞𝙩𝙝 𝙘𝙡𝙖𝙧𝙞𝙩𝙮, 𝙣𝙤𝙩 𝙥𝙧𝙚𝙨𝙨𝙪𝙧𝙚.

Just 2 girls with our mandatory morning coffee, planning out the selling and buying timelines of a family moving out fro...
02/10/2026

Just 2 girls with our mandatory morning coffee, planning out the selling and buying timelines of a family moving out from their 4-bedder condo to their new chapter. Naz Zainuddin did such a fantastic job securing 3 offers from 5 viewers just on the first viewing. Here, we are fine tuning our timelines in response to actual requirements of all parties, before sellers make their decision on which offer to accept.

Smooth transactions are not merely by luck alone, but by the unsung efforts of your agents working tirelessly behind the scenes to get you your best deal 💕

26/09/2026

Recently interacted with some HDB upgraders looking to enter the private market for asset progression.

Exciting times ahead shopping for a property you love.

But I’m also thinking about the person who might buy it from you next.

Because a good property decision shouldn’t just make sense today — it should still give you options years down the road.

Plan the exit before the entry. 🏡

17/09/2026

Recently, a keen Upgrader reached out via my ad and didn’t sound too confident to upgrade due to age.

“Not sure if I can upgrade. Age now 45..”

Age is one factor. But, it isn’t the only factor.

Your current home’s value, CPF, loan eligibility, financial commitments and long-term plans all matter too.

I’ve met HDB homeowners in their 40s who upgraded comfortably. In fact, this month, my buyers smoothly moved into their new penthouse.

I’ve also met younger homeowners where waiting made more sense.

Every situation is different.

That’s why I always encourage people not to rule themselves out before they’ve looked at the numbers.

📩 If you’ve been wondering whether it’s still possible, let’s have a conversation.

—

𝙃𝙚𝙡𝙥𝙞𝙣𝙜 𝙝𝙤𝙢𝙚𝙤𝙬𝙣𝙚𝙧𝙨 𝙢𝙖𝙠𝙚 𝙥𝙧𝙤𝙥𝙚𝙧𝙩𝙮 𝙙𝙚𝙘𝙞𝙨𝙞𝙤𝙣𝙨 𝙬𝙞𝙩𝙝 𝙘𝙡𝙖𝙧𝙞𝙩𝙮, 𝙣𝙤𝙩 𝙥𝙧𝙚𝙨𝙨𝙪𝙧𝙚.

10/09/2026

Met several first time buyers recently when they reached out through my socials. No.1 is the most common but totally understandable. But in my IMO, No.3 is the most “worrying”. If you know of anyone looking for their first HDB and diy-ing, let them know to avoid:

No.1 – Falling in love with a home before knowing your budget. So, know your numbers first. Yes you can do the simple maths, but knowing your timeline and whether that unit you shortlisted in PropertyGuru matches it? - that’s equally important.

No.2 – Overlooking the lease. This is sometimes overlooked. A few first time buyers do not know how this plays out, especially when they are only looking at a certain location, certain type, certain requirements.

No.3 – Not quite understanding market prices. Now this is tricky. They may offer too high and get caught off-guard by the COV or I’ve seen DIY and/or first time buyers putting an offer way below asking price eg true story: having a budget of $540k max but viewing a $620k listing. This brings us back to No.1 ain’t it?

Let them know ok? Or..they can find me 🤭 I’ve helped a few first time buyers understand their absolute budget and find a unit that matches their requirements and timeline.

08/09/2026

WHAT IF HOME IS CONNECTED DIRECTLY TO THE MRT?

No long walks
No rushing for the bus
No worrying about the rain

Introducing LUCERNE GRAND, a new residential development with convenience that doesn’t stop at transport.

🛒 Supermarket
☕ F&B & retail options
🛍️ Lucerne Galleria right at Level 1
🌳 Close to Jurong Lake Gardens
🏙️ Right in the heart of Jurong’s transformation

For families who have built their lives in the West, perhaps your next upgrade doesn’t have to mean leaving the neighbourhood you already love.

LUCERNE GRAND
COMING SOON

📩 PM me “LUCERNE” for floor plans, pricing and preview updates.

ZAK S.
91462327
R069361E
SRI PTE LTD

07/09/2026

5 things Real Estate taught me.

01-Growth
The goal is not only to sell properties. It is to be someone people trust with their property decisions. It is also learning to move on from something that is beyond your control. A good agent is calm and sees the bigger picture.

02-Rejection
“No” is common. Keep collecting the “No”s and there will be one “Yes”. Not every client will choose you. Not every family member will engage you. Not every deal will be yours. You learn not to take these personally.

03-Trust
People aren’t just trusting you with a property. They’re trusting you with a big chapter of their lives. On the other hand, learning to trust the right clients is also an agent’s survival skill.

04-Patience
Some deals take days. Others take months. You learn to do the work without rushing the outcome. You also learn to tune off the “Closed in 1 week” posts. You know you want the best for your clients and good things take time.

05-Focus
There will always be someone doing more, selling more, posting more. I’ve learnt to keep my eyes on my own lane and in my own ecosystem with my own people and peace.

Completion days are always a joy to witness, whether I’m representing sellers or buyers. Serving Mr & Mrs Quah has been ...
03/09/2026

Completion days are always a joy to witness, whether I’m representing sellers or buyers.

Serving Mr & Mrs Quah has been a pleasure. Both myself and Ivy can agree - they are one of the best clients we have both served in our real estate career.

They were upgrading to their private property and it was a relatively challenging one as we had to help them sell within a tight timeline of abt 3 months only, amidst a slow HDB market. But still, we waited for the right buyer. Never once did they pressure us. And yet every viewing, we were blessed with food and drinks for our efforts.

They were the first owners of a 4-room in Bukit Panjang and have stayed there for >20 years. Understandably, this family home was hard to let go of especially for the children.

When the right viewer came along, somehow, I could tell during the viewing that they would find renewed meaning in the house as much as it had been for the Quahs. And true enough, our wait presented us with the lucky new owners who were just as lovely.

Happy for both sellers and buyers. Thank you Ivy Ng for this meaningful collab.

01/09/2026

Dairy Farm Residences | D23
Corner unit • Greenery • Dairy Farm Mall & NTUC downstairs • Efficient layout • $1,6XX,###

DM to view!

Address

1 Kim Seng Promenade #17-10 Great World City West Tower
Singapore
237994

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