Your Trusted Guide to Singapore Real Estate.
Afdzal Ulhaq
Associate Senior Marketing Director, Huttons Asia Pte Ltd
CEA Reg. No. R066443I
Years of Excellence

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
Exclusive Resale Listings
Carefully curated HDB and private property listings ready for your next chapter.
New Launch Projects
Experience exclusive properties through high-definition storytelling and curated walkthroughs.

VELA BAY

ZYON GRAND

NEWPORT RESIDENCES
Resale HDB Budget Calculator
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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