— Meet Esther & Geraldine

Esther Ng

Senior Associate Marketing Director
CEA Reg. No. P001884A · Singapore AssetX Growth
Veteran Leadership & Prime Asset Expertise
Esther Ng

About Esther

Formerly the KEO of a real estate firm, Esther has provided real estate consultancy services for over 20 years, helping clients meet their objectives and needs. Her main focus is marketing condos, landed homes, and the most coveted Good Class Bungalows (GCBs) in the core central region, drawing on a deep understanding of the real estate market. She has successfully assisted clients with wealth creation through property investment, home replacement initiatives, and management services for rented properties.

Esther Ng brings a sharp, analytical edge to Singapore AssetX Growth, specializing in risk-conscious financial modeling and deep-dive market evaluation. With a keen eye for undervalued opportunities and shifting urban trends, Esther decodes complex market data into clear, actionable roadmaps. Recognized for her compassionate, high-touch approach, Esther excels at helping multi-generational families and business owners navigate sensitive wealth transitions. She blends meticulous timeline planning with tailored decoupling and structuring strategies, empowering clients to make high-stakes real estate decisions with total confidence.

Esther Ng
— The AssetX Method

Four questions before one property recommendation.

Where is your net worth today? What is your holding power? What's the journey of your property? Have we stress-tested the decision? Esther works through these with every client — so each move compounds into equity, options, and a retirement you can actually live on.

Explore our approach
— Client Testimonials

In their words.

“

Esther is incredible responsive and quick, with an impressive depth of market knowledge. Her creativity in marketing strategies, transparency in her work processes and wise approach on negotiation has been invaluable in our journey of selling our landed home and acquire a new home in the central region.

Steve
“

Esther handles mainly clients and their property portfolio in the prime locations and she has also taken on a bigger role in PropNex as one of the Project ICs in Luxury Team. I trust that with her vast experience, she will definitely add value to her clients in selling properties as well as acquisition.

Dominic
“

Esther is a reliable agent who has assisted in the rental of our condominium unit for many years. She is responsible, and personally attended to any problems that arose during the tenancy of our unit.

Mrs. Koh
“

Esther is highly responsible, very helpful and responsive. Would definitely recommend her to be your trusted realtor in handling your property transactions.

Charles
— Client Success Stories

Real moves, real outcomes.

Illustrative client journeys shared with permission. Figures are indicative and do not represent any single client's full portfolio.

01

Young Healthcare-Professional Couple — Net Worth S$2.1xm → S$3.3xm

Apr 2019
Bought a new-launch condo in the Margaret Drive area for S$1.6xxm for own stay.
Mar 2025
Paper value reached ~S$2.1xm. Esther advised cashing out while loan tenure was still favourable — the 3-bed's common rooms were already too small for their growing children.
Jul 2026
Sold for S$2.1xm (Capital gain ~S$46xk) and upgraded to a new-launch 4BR in the Pine Grove area for S$3.3xm.
Net worth moved from S$2.1xm to S$3.3xm in one sequenced move.
02

Regional Head of an MNC — Net Worth Grows to S$8.xxm (2016–2026)

Apr 2016
After returning to Singapore from an overseas posting, bought a unit in D20 for S$2.xxm for his kid's P1 school registration.
2022
Bought a freehold cluster home in D28 for S$4.5xxm — now a paper gain standing at ~S$4xxk.
Today
Indicative valuation ~S$3.3xm (paper gain ~S$1.2xm). Personal net worth from property ~S$8.xxm.
Next move
Esther's recommendation: dispose of the D20 unit, move into the cluster home, and redeploy proceeds into a CCR unit for rental income ahead of semi-retirement.
Two deliberate properties built into an S$8.xxm net worth, with a rental layer being added next.
03

Using Property for Retirement Planning

2020
A retired engineer and his wife inherited a detached home that had become too large and costly to maintain.
The plan
Sell the detached home (~S$9.8xm). Buy a Balmoral unit for S$3.8xm (own-stay). Buy a freehold 2-bed in Novena for S$2.xxm (rental income). Keep the balance as a retirement reserve.
The result
About S$5,000 in monthly passive income to cover daily and monthly expenses.
One large asset became a right-sized home, an income property, and a cash reserve.
04

Foreign Business Owner (now PR) — Profit of $2.15M

2009
Bought a unit in the Jervois area for S$2.xxm.
2018
Sold for S$3.xxm — Capital Gain S$9xx,000. Bought a townhouse in the Leedon area for S$5.xxM.
2022
Sold for S$6.xxM — Capital Gain S$1.xxm.
A combined property profit of ~$2.15M over 13 years, alongside his growing business shareholding.

Plan your next move with Esther.

Make it deliberately.