Fairoz Shariff
Senior Associate Director · PropNex Realty
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Estimate only, not a formal valuation. See notes below.
PropNex Senior Associate Director
Top Producer 2025, 28th in his division
PropNex Gold Achiever, 2026
Outstanding service from start to finish. A very comfortable journey for us. Adli & Dhaniya
Your flat could be a pot of gold. Most owners just never check the number.
That number is where the conversation starts, not where it ends. Here is why people trust me with the next part.
Why I do this
Most families sell their home once. I treat it like it.
When you hand me your home, you are not handing me a transaction. You are handing me the thing your family saved for, the place your kids grew up, the asset your next chapter depends on. I photograph it properly, market it honestly, run the real numbers, and never push a move that is not right for you. That is what I mean by Your Property My Priority.
That is how I came up. So before we talk about your flat, here is how I actually think about a move.
How I think
Clarity first. Then your move.
Before we talk about selling or upgrading, here is how I actually think about it. No jargon, no hard sell, the same way I explain it to every family I work with.
When your flat hits MOP, you are sitting on a pot of gold.
In a few months your flat could reach its MOP. That puts you in a rare position: a change of space, a change of location, or a step up to a higher asset class. The key is a plan aligned with your goals, without stretching beyond your means.
Know your real cash proceeds. Most people get this wrong.
Selling price minus what you paid is not your cash proceeds. Salah. You also subtract your outstanding loan and the CPF you used, plus its accrued interest. Get the real figure first, then we work out your buying budget.
See the math
Cash proceeds = selling price minus your outstanding loan minus your CPF refund (the CPF you used plus its accrued interest). Only what is left is actually yours to move with.
Plan your timeline early, especially if you are getting married.
Buying resale is not instant. Your HFE alone takes about three weeks, and a resale purchase is three to four months, longer with an extension. If your big day is coming, start at least nine months ahead so you get your keys on time.
Enough talk. Here is what it looks like for real families I have helped.
Real moves
What the right strategy looks like.
first home
A young couple's first home, no COV and no extension
Adli and Dhaniya were balancing location, space, budget and a wedding. We took the time to find a home in Tampines with a healthy lease, no COV and no extension, so they had time to renovate and settle in before the big day.
“Outstanding service from start to finish. He addresses our concerns with patience. Thank you for making it a very comfortable journey for us.”
Adli & Dhaniya
first-time buyers
Zero COV, $20K in grants, and no monthly cash top-up
On a recent Anchorvale handover, we secured the unit with zero COV. Because the home was within 4km of the buyer's parents, they qualified for $20,000 in additional grants, and the monthly mortgage is fully covered by CPF, with no cash top-up needed.
HDB upgraders
$0K above valuation, then a smooth sell-and-buy upgrade
A mother and son sold their 3-room flat for $30K above valuation and upgraded to a 4-room near the MRT, with no COV. We secured the proximity grant, their new home is within 4km of grandmother's, and handled the sell-and-buy timeline so the whole move was seamless.
sellers
Sold in a single viewing
A low-floor Punggol 3-room, with a tight timeline because the owners had already found their next home. With the right pricing, staging and marketing, we drew more than 15 buyers to the first viewing, received 3 offers, and closed above valuation, on their timeline.
Ready to see what your flat is really worth?
Free, no sign-up, no obligation. A no-pressure chat whenever you are ready.
And here are a few of the homes I have been trusted to sell lately.
Recently on the market
Homes I have been trusted with.
318 Tampines St 33
High-floor 5-room corner
This is for you if
You own an HDB that has hit, or is about to hit, its MOP, and you are wondering what is next.
You want an honest number and a real plan before you commit, not a hard sell.
Your family is outgrowing the place, or you are a first-timer who wants resale done right.
You want an agent who picks up, explains plainly, and handles the whole sell-and-buy timeline.
This is probably not for you if
You want to be pushed into selling this month, ready or not.
You only want a quick number and have no interest in the plan behind it.
You would rather skip the honest talk about price, timing and trade-offs.
The honest answers, before you ask.
Will I actually get a good price for my flat?
That is the whole job. With honest pricing against recent transactions, proper staging and real marketing, I have sold homes above valuation, and one in a single viewing with three offers. Let me show you what yours can realistically fetch, then we go and get it.
My flat just reached its MOP. What now?
Then you are sitting on a pot of gold. MOP is your window: more space, a better location, or a step up, all without stretching beyond your means. Run your number here, and let us map it out over a kopi.
Everyone says the market is slowing. Should I just wait?
Waiting has its own cost. The slowdown already showed up in 2025, so selling now is about strategy, not panic. Let us look at your actual numbers and decide with clarity, not headlines.
Resale or BTO, which one makes sense for me?
Resale is not a second choice. You still qualify for grants, you pick where you live, and you can plan your timing instead of waiting years. BTO can be right too. I will lay both out honestly so you choose with open eyes.
How long does selling and buying actually take?
Longer than most people expect. Your HFE alone takes about three weeks, and a resale purchase runs three to four months, more with an extension. If a wedding or a deadline is coming, we start early so your keys land on time.
How accurate is this estimate, really?
It runs on the newest official HDB resale data for your flat type and area, so the ballpark is real. The exact figure comes down to your floor, your condition and your lease, and that part is where I come in.
What does it cost to talk to you?
Nothing. The breakdown and the first chat are on me. You only pay the standard commission if and when we actually transact.
Do you only handle big, expensive units?
Not at all. Three-room or executive maisonette, first-timer or right-sizer, I treat every home and every family the same. Almost all my clients started as cold leads who had no reason to trust me yet.
How do I know you are the right agent for me?
Fair question. I will not promise I am the best agent in Singapore. What I will promise: I will run the honest numbers, explain everything plainly, and never push a move that is not right for your family. If after our chat you prefer someone else, no hard feelings. The first conversation is always on me.
If you remember one thing from this page, let it be this.
What you can expect from me
01
Your Property My Priority.
It is not just a tagline. Almost every client I have served started as a cold lead, with no reason to trust me yet. I earn that trust by putting your interest ahead of the deal, every single time.
02
Know your real number first.
Your cash proceeds are not selling price minus what you paid. Take out your outstanding loan and your CPF refund, and only what is left is yours to move with. I show you that honest figure before we plan anything.
03
MOP is a window, not just a date.
When your flat reaches MOP you can finally move, more space, a better spot, or a step up, all without overstretching. Miss the window and the next one is years away.
04
Get you more, not just get it sold.
Right pricing, proper staging, real marketing. That is how a flat sells above valuation, sometimes in a single weekend. Anyone can list a home, my job is the result.
05
Explain everything, push nothing.
Most of what I post is me breaking things down, cash proceeds, timelines, grants. I would rather you understand your options and feel sure than sign in the dark.
And the proof behind the promise.
Top 0%
of PropNex producers
0th
Top Producer in his division, 2025
$0K
above valuation on a recent sale
Not just talk.
Top Achiever, 28th in his division, 2025
PropNex Gold Achiever, 2026
Fairoz Real Estate, rooted in the community I serve
So, shall we find your number?
“Your Property My Priority.”
Let's find your number.
Send me your flat details and I will come back with what it can really sell for, your honest cash proceeds, and the options for your next move. Usually within 24 hours. No pressure, and the first chat is on me.
What your flat can realistically sell for, with the recent transactions behind it
Your honest cash proceeds, worked out properly (loan and CPF refund taken out)
Your real options, whether it is selling, upgrading, or simply holding
A straight answer from me, usually the same day
Free, no sign-up, no obligation. A no-pressure chat whenever you are ready.
You send a few details, I work out your real numbers, then I come back with your flat's value, your honest cash proceeds, and the options in front of you. Where you go from there is entirely your call, and the first chat is on me.
Your agent
Fairoz Shariff
Senior Associate Director · PropNex Realty
CEA Reg. No. R069145J · PropNex Realty Licence No. L3008022J
Automated estimate from past HDB resale transactions, not a formal or HDB-approved valuation. Actual prices vary with unit condition, floor level, remaining lease and market timing.
HDB resale data via data.gov.sg, used under the Singapore Open Data Licence. Licence.
Talk to Fairoz
Free, no sign-up, no obligation. A no-pressure chat whenever you are ready.