Your Singapore Property Strategist · ERA Singapore
Helping you make confident property decisions in Singapore through honest advice, thoughtful strategy, and genuine relationships.
CEA Reg. No. R063754A · Serving all of Singapore
Branch Division Director · ERA Singapore
About
"Buying or selling a home is more than just a transaction—it's one of life's biggest decisions. I focus on helping my clients understand their options, navigate the process with confidence, and make decisions that align with their long-term goals."
— Roziana, on why she does this work
I'm not just there for the transaction — I'm thinking a few steps ahead with you. Before we even look at a single listing, we talk through your timeline, your finances, and what you're actually trying to get to, so every decision after that has a reason behind it.
In practice, that means knowing whether it makes more sense to sell first or buy first, structuring your financing so you're not stretched thin, timing a move around things like MOP or ABSD — and sometimes just telling you to wait, even if it means the deal happens later, or with someone else.
ERA Singapore · Real estate advisor since 2021
S$80M+
Property Value Transacted
100+
Clients Served
30+
ERA Awards Won
5+
Years of Excellence
How I Work
If a property isn't right for you, I'll say so. My job is to help you see clearly, not to close a deal at any cost.
Timing, financing, and market conditions are different for everyone. We work out what makes sense for your situation specifically.
Many of my clients come back for their next move, or send their family and friends. That only happens if I do right by them the first time.
Who I Help
Most of my clients fall into one of these profiles — HDB or private, buying or selling. Here's how I help at each stage.
Turning a property you already own into steady, well-managed rental income — tenant sourcing, lease strategy, and making sure the numbers work.
View case study →Building a portfolio with clear-eyed numbers and long-term thinking — this path can start at any stage above.
View case study →Market Intelligence
A few things worth knowing on your own time — and where to go deeper when you're ready.
Mortgage Calculator
Illustrative only. Actual rates and eligibility (LTV, TDSR/MSR) depend on your bank and financial profile. BSD is estimated using IRAS's published residential rates and excludes ABSD, legal, and other fees — happy to work out your real numbers together.
Get My Actual NumbersInterest Rates
SORA rates from MAS. Bank packages below are indicative Year 1–2 all-in rates — always confirm the exact figure with the bank before committing.
SORA 1-Month
1.0451%
Compounded, MAS official
SORA 3-Month
1.0757%
Compounded, MAS official
SORA 6-Month
1.0920%
Compounded, MAS official
| Bank | Type | Benchmark | All-in Rate (Yr 1–2) | |
|---|---|---|---|---|
| HSBC | Fixed | Best fixed promo | 1.35% | Best Rate |
| OCBC | Floating | 1M SORA | 1.45% | |
| SCB | Floating | 3M SORA | 1.52% | |
| DBS | Floating | 3M SORA | 1.55% | |
| UOB | Floating | 3M SORA | 1.61% |
Rates shift often, and what you'd actually qualify for depends on your profile. Let's talk it through →
Buying Guides
The general shape of the process, whichever path you're on — from your first showflat visit or OTP, through to the day you collect your keys.
Every situation has its own quirks — this is the general shape of it. Happy to walk through exactly where you'd land in this timeline.
Ask for the guide →Transaction data and price trends shift quarter to quarter — I keep this current in conversation rather than let a page go stale.
Ask for this quarter's numbers →Pricing, timing, and presentation — the decisions that actually move your sale price, in the order they matter.
Ask for selling tips →Rental yields, en-bloc potential, and where informed money is actually looking right now, beyond the headlines.
Talk investment strategy →ABSD, LTV limits, TDSR/MSR, MOP — the rules that shape what you can and can't do. They change more often than people expect.
Check what applies to you →That's the highlight reel. For the full picture tailored to your situation, let's talk.
Book a Free ConsultationClient Stories
I'm gathering a few honest words from recent clients. In the meantime, the best reference is a short conversation — happy to share who I've worked with directly.
Get In Touch
Phone / WhatsApp
+65 9299 2055
Agency
ERA Realty Network Pte Ltd
CEA Registration
R063754A
Instagram / TikTok
@rozianac.realtor
Prefer email? rozianacindy.re@gmail.com