Asset Progression
Advisory
Strategic upgrade planning from HDB to condo to landed. I map out your CPF, cash, and financing to unlock the next level of your property wealth.
Resales Condo & HDB Advisory
End-to-end buying and selling of resale private condominiums and HDB flats — with negotiation strategy and market timing built in.
New Launch Advisory
As a developer-appointed sales team member, I provide early access, stack analysis, and floor arbitrage insight on new launches across Singapore.
Retirement Wealth Planning
Using property as a core pillar of your retirement income strategy — integrated with CPF, investments, and long-term legacy goals.
About Cherine
I invest in property too —
that’s why I understand you.
“Property is the most powerful wealth tool available to the Singapore family. My job is to help you use it wisely.”
With over 10 years in Singapore real estate, I specialise in helping families and investors make their next move count. Whether you’re upgrading from HDB, entering the private market for the first time, or building a property portfolio for retirement — I bring a strategist’s mind to every transaction.
As a personal property investor and retirement planner myself, I bring lived experience — not just sales experience — to every client conversation.
A few things I’m good at
Every homeowner I meet comes in with three core concerns — am I timing this right, can I make the numbers work, and will this process be too stressful to handle? These are exactly the three things I’m really good at.
Reading the Market — So You Don’t Have To
The Singapore property market moves fast. Knowing when to enter, when to hold, and when to sell is half the battle. I track the data, study the trends, and translate it all into plain, honest advice — so you can make your move at the right time, with confidence.
Making the Numbers Work in Your Favour
CPF, ABSD, stamp duties, bridging loans — the financial side of property can feel overwhelming. I break it all down into a clear picture of what you can afford, what it will cost, and how to structure your move to keep more money in your pocket.
Turning a Stressful Process Into a Smooth One
Buying and selling property is one of the most emotionally charged experiences a family goes through. I manage every moving part — the paperwork, the negotiations, the timelines, the surprises — so that by the time you get your keys, the journey feels like the easy part.
Typical Real Estate Cycle
Age 25 to 35
Your First Home, Your First Step
You’ve just gotten your BTO keys — congratulations. But here’s what most first-time homeowners don’t realise: this isn’t just a home. It’s the foundation of your entire property wealth journey. The decisions you make right now — which town, which flat type, how you structure your CPF usage — will directly determine how much equity you unlock when it’s time to upgrade. I work with young couples from day one, making sure every decision made at this stage sets you up for the strongest possible next move. Your first home is not just where you live. It’s where your wealth begins.
Age 30 to 40
Growing Family, Growing Needs
Your family is expanding, your career is gaining momentum, and suddenly your BTO feels a little too small. This is the stage where most Singapore families face their first major property crossroad — do you upgrade to a bigger HDB, or make the leap into private property? The answer often centred around the family’s needs like child minding arrangements and schools but also highly depends on your CPF, your savings, your household income, and your long-term goals. I help families at this exact crossroad cut through the confusion, understand their numbers clearly, and make the upgrade decision with confidence — so you move into the right home at the right time, without overstretching.
Age 40 to 55
Peak Earning Years, Peak Property Move
This is your window. Your income is at its highest, your existing property has accumulated significant equity, and your children are still at home. Moving into a larger private condominium or landed property at this stage isn’t just about lifestyle — it’s a strategic wealth move. Done right, this upgrade positions you perfectly for the final and most important phase of your property journey. I help homeowners at this stage leverage their existing equity, navigate ABSD implications, and identify the right property that serves both their lifestyle today and their retirement strategy tomorrow.
After 55 years old
Right-Size, Free Up, Live Well
The children have flown the nest. The house feels bigger than it needs to be — and so does the mortgage. This is the stage where smart homeowners make their most powerful financial move yet: right-sizing. By moving into a smaller, more manageable property, you unlock the equity built over decades and convert it into liquid retirement funds, passive rental income, or a legacy for your children. I help empty nesters navigate this transition with clarity and confidence — making sure the move you make at this stage funds the retirement lifestyle you’ve worked your whole life to enjoy.
Why Cherine?
I grew up in an HDB flat. Like most Singapore families, property wasn’t something we talked about as wealth — it was simply where we called home.
Dad was trying to make ends meet and mum was too ill, as young children (5 of us) took turns to care for her, cook and do house chores. I grew up fast out of necessity. It wasn’t until I started my career in real estate that I truly understood what that humble flat represented — decades of hard work, quietly accumulating value, waiting to be unlocked.
That realisation changed everything for me.
I bought my first matrimonial property at age 23, a resale 3-room HDB flat while waiting to collect keys to my “dream home” an Executive Apartment (EA). This was the typical upgrade way that most Singaporeans do in the nineties.
After staying in my EA for 23 years, I finally took the courage to upgrade to a private condo — carefully, nervously, with more questions than answers. Life didn’t go the way I planned. I stayed in that home long after it stopped feeling like one — until I was finally ready to build something that felt like me again. I’ve sat with the same uncertainty my clients feel. I’ve done the CPF calculations at midnight over and over again. I’ve weighed the risk of selling before buying. I’ve felt the weight of making a decision that affects my family’s future — would we end up with no roof over our heads for me and my 2 sons.
That’s exactly why I do what I do today.
Because I’m not just an agent who knows the market — I’m a Singaporean who has lived it. From an HDB flat to my first private property and then multiple properties, I’ve walked the same journey my clients are on. And every family I work with gets the benefit of not just my professional expertise, but my personal experience — every step of the way.
If you’re at any stage of that journey right now — whether you’re just starting to think about your next move or ready to take action — I’d love to have that honest conversation with you. No pressure, no hard sell. Just two Singaporeans figuring out the smartest move for your family, together.
👇 Let’s chat — WhatsApp me or drop me a message below. I’m always happy to help.
Thinking of Selling & Buying?
Sell first or buy first? It’s the question that keeps most homeowners up at night — and getting it wrong can be costly. Every situation is unique, and the right sequence depends on your finances, your timeline, and the current market. Over the years, I’ve walked alongside hundreds of Singapore families through this exact crossroad. Your concerns are ones I’ve heard before — and helped resolve. Sit down with me, and I’ll go through everything honestly, map out a clear plan, and make sure you always know exactly what to do next — and why.
I know I want to upgrade…
I just don’t know where to start —
or whether to sell my place first.
I’ve been thinking about this for months…
But what if I sell and can’t find anything I like? What if I wait too long and miss the window?
Everyone keeps telling me something different…
My parents say sell first. My colleague says buy first. I just need someone to tell me what’s right for my situation.
I can’t afford to get this wrong…
I don’t want to end up holding two mortgages — or worse, homeless for three months.
I’ve done my research. I think I’m ready…
But I still have questions I can’t find answers to online. I just need someone experienced to walk me through it properly.
The kids have moved out. The flat feels too big now…
Or maybe we need more space — the family is growing. Either way, I know it’s time. I just need a plan.
Awards and Recognitions
Recognised consistently among ERA Realty’s top agents in Singapore — these accolades reflect over many years of dedication to every client’s property journey, from the first conversation to the final handshake.
What are you waiting for?
Ready to take the next step? Let’s bring your vision to life! Explore our services and get in touch today for a consultation. Together, we’ll make it happen.
Featured New Launch Projects In Singapore
As a developer-appointed sales team member, I provide early access, stack analysis, and floor arbitrage insight on new launches across Singapore. Here are the upcoming projects for 2026 and recently launched projects.
Explore Cherine’s Blog
EC Cooling Measures 8 May 2026
🔴 New Policy May 2026 Executive Condominiums The EC RulesHave Changed.Here’s[…]
April 2026: Singapore’s New Home Market Picks Up Steam
Market Insight · May 2026 April 2026: Singapore’s New Home Market[…]
Thousands of Singapore Homeowners Have Watched My Videos To Make Clearer, Smarter Property Decisions
What families say about working with
Cherine Cheong
Real stories from real families. Every testimonial here represents a property journey she had the privilege of being part of — from the first conversation to the day the keys changed hands..
Cherine is the agent to go to should you want to sell/buy any properties. Her strong market knowledge provided by her strong enthusiasm is what makes her special. Appreciate your effort and once again. Thank you so much for the service rendered.
Mr & Mrs Goh
“感谢 Cherine，感谢她精心管理我们转售和收集 BTO 钥匙的时间表。这非常具有挑战性，尤其是在 BTO 施工延误的情况下。感谢您在有意识地关注我的时间表的同时，耐心和努力地安排许多买家观看我的 EA。我的家人可以无缝地搬进我们的 BTO，因为你们已经协商了临时免租延期。我们很高兴与您合作。会向我的家人和朋友强烈推荐您。” (Translated from English)
Mr & Mrs Chai
Huge thank you to Cherine for making me and my finances dream come true. We put our full trust on her and she delivered. The whole process of getting the house was really smooth with frequent updates from her making us feel assured that we were in good hands. I can’t express enough gratitude to Cherine for what we have attained right now. would highly recommend her to be anyone’s agent!
Iskandar & Siti
Let’s talk about your next property move.
No pressure, no hard sell. Just an honest conversation about where you are and where you want to go.
– Free, no-obligation consultation
– Available 7 days a week
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– WhatsApp, call, or meet — your preference