Second opinion, free
Before you sign anything based on someone's deck, valuation, or "financial plan" — send it over. Numbers checked against actual transactions, missing costs added, optimistic assumptions flagged. Takes a day. Costs nothing.
How it works
WhatsApp the deck, valuation, or screenshots — whatever you were sent.
Every figure gets checked against URA and HDB transaction records. Missing costs (ABSD, BSD, interest, agent fees) get added back in.
It comes back marked in red, with a one-paragraph bottom line. What you do with it is entirely yours.
Stays between us. Nothing you send is published, shared, or used to contact the other agent.
What the red pen catches — recreated from real cases
Exhibit A — the flattering comparable. The single most common markup we make.
Exhibit B — the profit line that forgot the costs. Always ask what's been left out.
Exhibit C — the adjective doing a number's job. If there's no figure, that's the finding.
Benjamin Tan · CTB Realty
CEA-registered. I mark the math, not the agent — most pitches check out fine, and when they do I say so. What you're buying with one message is certainty either way.
What comes back
Illustrative reply — yours addresses the actual document you send.
Fair questions
Never. Your document stays between us, isn't stored beyond the review, and isn't used for anything except your markup.
Then the reply says so, plainly — it happens often. A clean bill of health from a second pair of eyes is worth as much as a catch.
Because some people whose pitches don't survive the red pen come back when they're ready to move properly. The rest cost me twenty minutes and keep the market a little more honest. Both outcomes are fine.
Exhibits are anonymised recreations of patterns from real documents — no real project, agent, or client is depicted. The red pen checks numbers against public records; it's analysis, not financial advice, and not an accusation against anyone. Most pitches contain honest math — the point is knowing which kind you're holding.