I'm a real estate negotiator with a law background — helping buyers, sellers, landlords and tenants navigate every transaction with confidence, clear paperwork, and zero surprises.
100+ project listings across Kuala Lumpur and Sabah — search by name, region, price or layout below.
Estimate your monthly repayment before you commit — adjust the numbers to see what fits your budget, then message me for an accurate quote.
Principal = Property − Downpay. Expenses = estimated stamp duty (MOT + loan agreement) + legal fees (SPA + loan agreement) + valuation/insurance/admin. Total Upfront = Downpay + Expenses — the real cash you need on hand, not just the down payment.
Get a Personalised QuoteEstimates only, for illustration purposes — actual bank rates, margin of finance, legal fees and stamp duty vary by bank and buyer profile (see the FAQ below for the detailed breakdown and any exemptions that may apply). Message me directly for a quote based on your situation.
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Chat with Me on WhatsAppStraight answers to what buyers ask me most, from down payments to legal fees. General guidance only — message me for advice specific to your situation.
Most Malaysian banks finance up to 90% of the property price for a first home, so most buyers budget around 10% as their down payment. Some first-time buyers can access government schemes that reduce this further — message me and I can point you to the one that fits your situation.
Stamp duty on the Memorandum of Transfer (MOT) is charged on a tiered scale: 1% on the first RM100,000, 2% on the next RM400,000, 3% on the next RM500,000, and 4% above RM1,000,000. For example, a RM750,000 property incurs about RM16,500 in transfer duty. There's also a separate stamp duty on the loan agreement, typically 0.5% of the loan amount.
Yes — eligible first-time Malaysian homebuyers currently get full stamp duty exemption on both the Memorandum of Transfer and the loan agreement, for residential properties priced up to RM500,000, with this exemption extended through 31 December 2027. Eligibility depends on your specific circumstances, so it's worth checking before you commit.
Lawyers charge on a regulated fee scale — typically around 1% to 1.25% of the property price for the Sale & Purchase Agreement (SPA), with loan agreement legal fees usually running 60-70% of that figure. On top of that, budget a few hundred ringgit for valuation, fire insurance, and administrative searches.
All in — down payment, stamp duties, legal fees and incidental costs — most citizen buyers with 90% financing should budget roughly 14-15% of the property price in upfront cash, not just the 10% down payment. On a RM500,000 property, that works out to about RM71,000 in total.
Yes. Non-citizen buyers currently face a flat 8% transfer duty (MOT) rate, compared to the tiered 1-4% rate that Malaysian citizens and permanent residents pay, and minimum purchase price thresholds that vary by state.
Property transactions involve contracts, timelines and legal obligations that can trip up even experienced buyers. My background in law (LL.B, Multimedia University) means I can walk you through the SPA, loan agreement and transfer process with a clearer eye on the fine print — not just the listing photos.
I actively list and negotiate properties across Kuala Lumpur — including Bukit Jalil, Petaling Jaya and Bangsar — and Sabah, including Kota Kinabalu, with 100+ listings in total. Message me on WhatsApp for the full, up-to-date list.
Figures above are general guidance based on current Malaysian government policy and standard bank/legal practice — they can change and may not apply to your exact situation. Always confirm with your bank and lawyer, or message me and I'll help clarify.
Tell me a little about what you're after, including your preferred layout, area and budget. I'll personally match you with the best options from my full listings, including ones not yet shown above.