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Afdzal Ulhaq

Associate Senior Marketing Director, Huttons Asia Pte Ltd

CEA Reg. No. R066443I

Illustration of Afdzal Ulhaq

Years of Excellence

Portrait of Afdzal Ulhaq
5+
Years of
Excellence

The Art of Asset Progression.

I’m Afdzal, a real estate agent who believes in keeping things simple. My approach is centered on being prepared, staying patient, and finding the right fit for your lifestyle or portfolio. I handle the heavy lifting—the research, the paperwork, and the coordination—so you can focus on the big picture. Fair warning: My car's playlist is almost exclusively Taylor Swift. It’s my "pre-game" fuel to ensure I’m focused and ready to go for our session. If you want a partner who’s easy to work with and knows the ground, let’s talk strategy.

Awards & Accolades

Top 800 Producer

2026 Annual Awards

Gold Producer

February 2026

Top 30% Producer

2024 Annual Awards

Top 20% Producer

2025 Annual Awards

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Exclusive Resale Listings

Carefully curated HDB and private property listings ready for your next chapter.

413C Northshore Drive
S$600,000

413C Northshore Drive

426C Yishun Avenue 11
S$685,000

426C Yishun Avenue 11

No Extension! Renovated 5i Corner Blk 426c Yishun Ave 11

The Terrace
S$1,795,000

The Terrace

No Extension! High floor 3 bedder unit

469B Admiralty Drive
S$560,000

469B Admiralty Drive

4a design plus Blk 469b Sembawang

408 Bukit Batok West Avenue 4
S$405,000

408 Bukit Batok West Avenue 4

No Extension. 3ng blk 408 Bukit Batok

448B Sengkang West Way
S$410,000

448B Sengkang West Way

Very High Floor 2rm Blk 448b Sengkang West Way

748A Bedok Reservoir Crescent
S$1,280,000

748A Bedok Reservoir Crescent

Unblocked High Floor 5rm dbss Blk 748a

New Launch Projects

Experience exclusive properties through high-definition storytelling and curated walkthroughs.

VELA BAY
EXCLUSIVE LAUNCH

VELA BAY

ZYON GRAND
EXCLUSIVE LAUNCH

ZYON GRAND

NEWPORT RESIDENCES
EXCLUSIVE LAUNCH

NEWPORT RESIDENCES

Resale HDB Budget Calculator

Worked continuously for the past 12 months?Answer to include EHG
S$7,000

Estimated Property Budget

S$672,841

(Funding: S$442,841 Max Loan + S$100,000 CPF + S$50,000 Cash + S$80,000 Grants)

Total Eligible Grants

CPF Housing Grant

S$80,000

Enhanced Housing Grant for lower-income households

S$0

Not included yet. Answer the work question above to see if you qualify (cpf.gov.sg)

Proximity Housing Grant for living near parents

S$0

Most you can borrow from HDB (checked at HDB’s 3.0% floor; you pay 2.6% a year)

S$442,841

Estimated monthly repayment: S$2,009

*Estimates based on current pricing & grant eligibility. Calculated using bank rules on how much of your income can go to loans (TDSR/MSR). For a more exact figure, including extra stamp duties, book a slot below.

*Disclaimer: The amount does not include any additional costs such as stamp duties, legal fees, home protection insurance etc.

Client Success

5.0 · 8 reviews on Google

"We had the privilege of engaging Dzal for the purchase of our first home, and the experience was nothing short of exemplary. His guidance, patience, and consistent responsiveness instilled confidence at every stage."

— Muhammad Yaseer

"Engaging Afdzal as our real estate agent was a great decision! My partner and I are first time buyers, he was really patient and went through the process with us thoroughly... In no time, we managed to secure an amazing deal with no COV."

— Syakhirrah AR

"We engaged afdzal for the purchase of our very first resale hdb! Afdzal patiently explained the entire process from A to Z and answered all our queries. His knowledge of the market and policies... made the whole process smooth."

— GameLife

"We had an amazing experience working with Afdzal. He was incredibly patient, understanding, and always took the time to walk us through every detail. Highly recommend Afdzal to anyone looking for a reliable and dedicated housing agent!"

— Qistina Nuruljannah

"Such an amazing realtor! Afdzal goes out of his way to ensure that his client gets what they want and need. Goes up and beyond to provide the best service. Glad to have met him and got the unit I wanted."

— Raze 9901

"Afdzal was fantastic to work with! He made the entire home-buying process smooth and stress-free. He was always responsive, patient with my questions, and went the extra mile to ensure I found the perfect house."

— Ibrahim Shamsul

"Afdzal is an outstanding realtor! He listened carefully to what we was looking for, gave honest and helpful advice, and made the whole buying process easy and stress-free. Professional, friendly, and genuinely cares."

— Nur Rahayu

"Afdzal was extremely friendly, patient and most of all, helpful in assisting us to find our first home. He settled all documentations, liaising and settlements... 100% recommend him for any property needs!"

— Arfan Adam

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