Step 1: Watch the video
Who am I?
Hi, I'm Annabel, and I've helped many families with young kids realise their desires for the right home with my unique P.A.T.H method.
As a working mother to energetic twins, juggling career and family just like many of you. I understand the challenges of planning for the future while managing daily responsibilities.
Whether you've just starting or looking to grow your assets, I bring practical insights and a decades worth of experience to guide you every step of the way.
The Problem With "limited time and raising a family"
Making precious memories with a growing family while juggling career growth with a dream for better finances seems impossible with our most precious commodity: TIME. I know how frustrating this can be, and I want to help.
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The "Midnight Scroller's" Dilemma: Is Your Next Home a "Dream" or a "Debt Trap"?
Watching property portals while everyone else is asleep is not just about looking for a house. It is about looking for a solution to a lifestyle that feels "stuck."
Do any of these feel like you?
(1) I want more space for the kids, but I'm terrified the monthly mortgage will "eat" our family holidays and enrichment classes.
(2)I’ve seen prices rise for 3 years while I stayed on the sidelines, waiting for a market price dip that never came.
(3) I'm worried about the 13,000+ HDB units hitting MOP in 2026 and how that supply surge might affect my current home's value.
What P.A.T.H looks like
Profile 1:Safeguard funds for rainy days
Family of 3 with an older 4A hdb in the east
The dilemma revolved around Ms W. children for ease of commute to school and her need to plan for additional retirement and education funds as the sole breadwinner of the family. There was a substancial amount of CPF accrued funds she stuck in the property after 17 years.
With a detailed competitive analysis done using P.A.T.H, her home was sold in just 2 viewings in an over supply market and a strict ethnic buyer quota. The client Ms W. has since entered into an EC which has gained 6 figures in just 2 years.
Most buyers in Singapore follow the crowd, often led by market hype rather than factual data. But a hot new launch or older larger resale unit does not always mean "right-fit" for your family’s future.
The P.A.T.H. Method is built on one core principle: Facts Over Market Trends where I strip away the noise to focus on the figures that actually impact your long-term progress. Start deciding with confidence using data.
Profile 2 : Finding the right match
Stuck for 2 years with low ball offers and incompatible buyers
A client approached me to market a 3 bedroom walk up apartment at a central location. He had 3 agents onboard who had tried to sell this leasehold unit over 2 years with no offers at his expected pricing. Buyers had listed all the same concerns: a lack of parking spaces in the vicinity, a smaller floor area compared to similar 3 bedders in the surrounding area. Mr J was frustrated at hearing the same concerns and receiving low offers for what these buyers thought were dis-amenities.
With thorough research, creative marketing and a projected rental and usage, I paired the unit to the right buyer in under 1 week. Congrats to Mr J having cashed out on the property at a price 3% higher then his neighbors' and setting the all time record high.
Precision and excellence
I'm WSET certified and having spent 10 years in the F & B setting in fine dining restaurants, pre-empting the needs of my clients is skillset I have honed over time. This coupled with a diploma in Hospitality and tourism management and a Bachelors in business administration and international trade. Caring for your needs and achieving your goals through a structured framework, accuracy in an optimised manner is what I strive for in every deal.
Why work with me
As a working parent, we know the value of time. What time lost is irretrievable but value can always be retrieve with the right planning. Ensuring the best outcome with precision is my believe system and I carry that in same principle in all aspect of my life. With a unique ability to spot trends and opportunities through deep market research, you'll find yourself well taken care with peace of mind.
"Plan your work and work your plan" Anonymous
Profile 3: First Timer
Mr E wanted to find a home with his wife who is a foreigner. He had a preference for being close to his parents who lived in the central area of Singapore BUT the prices requires a dual income and the age of the flats would restrict his usage of his cpf funds.
After a discovery call with him, we went through his lifestyle and I worked on getting a unit that will allow for: 1. maximum utilisation of his CPF funds, 2. To keep an emergency reserve of 6 months if he lost his job, 3. Minimum renovation and 4. a firm exit plan in the next 5 years.
Today he is the proud owner of a renovated 3A HDB flat in Tampines with a concrete exit plan in 5 years. Congrats Mr E!
Needs and Wants?
Everyone would like to draw a passive income monthly, but most of us are held back by the fear of over-committment and losing out on the daily joys of life. But what if I told you 10 years down the road you would feel the same regret having lost out on the unit that was once affordable but too painful to give up your daily comforts for?
Growing a family while planning for the future is a balancing act. It is entirely possible to step into a private condominium or an investment unit without the heavy burden of over-leveraging. By establishing a solid framework and mapping out your finances safely, we can find the sweet spot between building your family's wealth and enjoying the little moments today
Profile 4: Change in Lifestyle
A multigeneration family wanted to move from their EC in the OCR region to a RCR location for their children's primary school. Base on the school of their choice, the surrounding houses were almost 10% higher then the intended outlay. They needed to keep commute accessible as their elderly parents were living with them.
I spotted an opportunity before it was announced and today they are happy owners of a unit next to an MRT, with a integrated project being built next to them. Potential enbloc is a bonus! Congrats to V and D!
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