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Welcome
Your Guide to Upgrading
Why More Malay Families Are Choosing HDB-to-Condo Upgrades in 2025
For years, many Malay families believed that upgrading from an HDB to a condo was only for the wealthy. But in 2025, more and more Malay households are making the move from HDB to condo (or Executive Condo)—and here’s why.
1. Executive Condos (ECs) Are Becoming More Popular
ECs remain the “sweet spot” for HDB upgraders. They start at lower prices compared to condos, yet still offer private facilities and capital appreciation. For many Malay families, ECs are the first step into private housing.
2. Resale HDB Prices Are Slowing Down
While HDB resale prices have grown over the past few years, experts predict slower growth ahead. Many Malay homeowners see this as the right time to cash out and upgrade before their flat’s value plateaus.
3. Building Long-Term Wealth
A condo or EC isn’t just about lifestyle—it’s about capital appreciation. Over 10–15 years, condos historically grow faster in value compared to HDBs, allowing Malay families to build stronger financial legacies.
4. Cultural & Family Considerations
Many Malay families want larger spaces for multi-generational living, halal-friendly kitchens, and hosting. Condos often provide amenities that are more flexible for these needs.
5. Better Loan Planning in 2025
Interest rates have stabilized compared to the spike in 2023–2024. Families now see upgrading as financially less risky than before, especially with structured repayment planning.
6. Lifestyle Aspirations
Access to facilities like pools, gyms, and secure environments appeals to younger Malay families. Beyond lifestyle, it’s also about giving children more space and opportunities.
7. Government Cooling Measures Have Shifted Mindsets
Instead of discouraging buyers, cooling measures have pushed families to be more intentional with their moves. Malay homeowners are now planning their upgrades earlier—before they miss the “window” of affordability.
💡 The HDB-to-condo upgrade isn’t just a dream for Malay families in Singapore—it’s becoming a reality in 2025. With the right planning, you can build both lifestyle and legacy for your family.
WHAT I DO
I help you upgrade to a home that meets your present and future goals.
Looking for a Malay property agent in Singapore who truly understands your needs? I’m Mirta Syazanna, a CEA-registered real estate agent with PropNex, who helps families buy, sell, and upgrade their homes with clarity and confidence. From navigating HDB policies to exploring condo and EC options, I combine market expertise with cultural understanding—so your family can make the right move, stress-free.
Recent Homes Sold
Sold within 30 Days!
580 Woodlands Dr 16
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107 Bedok North
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674 Hougang Ave 8
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278C Compassvale Bow
Testimonials
What Clients Say
"Incredibly Smooth"
"Mirta's patience, expertise and initiative has made our journey as first-time homeowners an incredibly smooth one! Extremely responsive and knowledgeable in addressing all our questions and concerns along the way, we were always assured that she was working for our interests and committed to securing us the home of our dreams. Thank you Mirta!"
- MP
"Super Patient"
"Thank you sis Mirta for agreeing to meet up with my family in such short notice to discuss. She was super patient in explaining every detail and answering all of our queries. Thank you so much for your time sis."
- Naafiah
"Stress-free"
"I really appreciate the time and effort Mirta put into our consultation. She demonstrated great commitment to ensuring I understood the financial aspects of buying and selling a home. Her willingness to meet in person and walk me through loan calculations made the process feel much more manageable. Her approachable nature, patience and attentive listening is what sets her apart. Whether you're buying, selling or just seeking a consultation, her fresh perspective and dedication makes the experience stress-free. :)"
- Ida M
About Me
Welcome to a fresh start to your real estate journey, where your family's dreams and financial growth are my top priorities. As a dedicated mother of three, I understand the importance of creating a secure and nurturing environment for your loved ones. My journey began with the purchase of a 3-room BTO in Punggol, and through strategic planning and informed decisions, I successfully upgraded to a resale condominium, realising a substantial profit of $400,000.
I specialise in helping families upgrade their homes to meet both present needs and future aspirations. With a deep understanding of the Singapore property market and a meticulous approach, I guide you through the complexities of buying and selling homes, ensuring that every decision aligns with your goals.
Choosing me as your real estate agent means partnering with someone who genuinely cares about your family's future. I offer flexible consultation options tailored to your busy lifestyle, including personalised house visits and hassle-free Zoom consultations. My property guides are packed with practical tips and step-by-step strategies, designed to empower you with the knowledge to make smart real estate investments.
Let's work together to turn your real estate dreams into reality. Whether you're a first-time buyer or looking to upgrade, I'm here to provide the expertise and support you need to make confident, informed decisions. Secure your family's future with a home that grows with you—one strategic step at a time.
Mirta Syazanna
Associate Director
CEA Reg. No. R070524E
Services
What I Offer
Reliability
Count on me for dependable and consistent service. My commitment to transparency and honesty ensures that you can trust me to guide you through every step of your home upgrading journey with confidence and reliability.
Stability
Experience the stability of working with a professional who understands the importance of financial security. My personal experience with upgrading will reflect the same stability I aim to provide for you in your real estate investments. Together, we'll create a robust plan that supports your family's long-term financial goals and home aspirations.
Peace of Mind
Enjoy peace of mind knowing that your real estate decisions are backed by expert data and meticulous planning. I prioritise your family's needs and future, offering personalised solutions that ensure a smooth and stress-free process. From our initial consultation to finding your dream home, I am dedicated to making your journey as seamless and reassuring as possible.
ENGAGing My Services
How It Works
Chat With An Expert
Begin your journey by having a detailed conversation with a real estate expert who understands your unique needs and aspirations. During this consultation, we'll discuss your current situation, goals, and any concerns you may have. This initial chat is designed to provide you with valuable insights and set a solid foundation for your home upgrading process.
Determine Your Cashflow
Understanding your financial position is crucial in making informed real estate decisions. We will work together to assess your income, expenses, and existing assets to determine your cash flow. This step ensures that you have a clear picture of your budget and financial capabilities, enabling you to make smart, sustainable choices for your home upgrade.
Find Your Dream Home
With a clear understanding of your financial situation and goals, we move on to the exciting part—finding your dream home. Leveraging my expertise and knowledge of the market, I'll present you with options that align with your preferences and budget. We'll explore various properties, ensuring you find the perfect home that meets your present needs and future aspirations.
Our Combined Experience
Mirta x Andik
Welcome to a new era of real estate guidance, where family is at the heart of every decision we make. Here, we understand that home is the cornerstone of your life, and making the right choices for your family’s future is crucial.
Together with my partner, Andik Imran, founder of Real Estate Dad, we combine our strengths to offer you unparalleled guidance in the real estate market.
Through meeting people like you, we aim to share the insights and lessons we've learned along the way. Our goal is to shift mindsets and help families understand that wealth can indeed be grown step-by-step. Real estate, when approached with careful planning and informed decision-making, can be a powerful vehicle for financial growth and stability.
Join us on this journey to make your real estate dreams a reality. Let's build a future that you and your family can be proud of. Here’s to making strategic moves and building a brighter future for our families, one step at a time.
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