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Real Estate Knowledge

My First Australian Home | Step 1: Pathways to Australian PR! 

Moving to a new country is the first in a long mountain of steps you take towards buying your first house there! This is the beginning of a series where we break down your property journey, starting with immigration!

We will cover 3 pathways to PR for both students and working adults, with some added professional advice from featured guest, John – migration consultant and founder of John Hu Migration Consulting (find his contact information at the bottom of this article!).

You might be wondering – Why Australia?

Recently, Australia has added special upgrades benefitting BNO or HK passport holders. Temporary subclasses 500, 485 and 482 guarantee you a five-year stay, while subclasses 189 and 191 are newly designed to ease the passage to PR for Hong Kongers!

3 pathways to Australian PR; Denzity

Pathway 1: The Education Route (500 -> 485 -> 189/191)

First, get the student 500 visa. Here’s the criteria:

  • Be 6 years-old or above
  • Get accepted by a course of study in Australia
  • Provide documents for an assessment of your health
  • Provide evidence of your English skills through a test done within the last 2 years

When you’ve completed your studies and graduated from a CRICOS-registered course, you can apply for the Temporary Graduate Visa (485). With this post-grad work permit, you can get a job and earn enough points to stay behind for permanent residency!

Important Note 1: you cannot directly apply for the Temporary Graduate Visa!

Important Note 2: you must apply for the 485 visa within 6 months after graduation. 

Watch the video to find out what John has to say!

Pathway 2: The Education Route (482 -> 189/191)

If you’ve been working for a while, you should consider subclass 482 – the Temporary Skill Shortage visa. According to John, if you have enough points, you’ll be invited to apply for permanent skill migration.

Requirements are as follows:

Tips from John: If you’re in the age range 25 to 30, you can gain the highest points of 25, and a maximum of 20 points for language with an IELTS score of 8-9.

Here’s an additional question:

Watch the video to catch John’s answer!

The Final Leg: Hong Kong PR Streams (500 -> 485 -> 189/191 or 482 -> 189/191)

Here are the two following Hong Kong Streams to apply for permanent residency. 

Skilled Independent Visa (Subclass 189)

  • allows you to live and work in Australia permanently
  • You must have spent 4 years in Australia prior to applying

Permanent Resident (Skilled Regional) Visa (Subclass 191)

  • Faster route; live exclusively in a designated regional area such as the Gold Coast and the Sunshine Coast for 3 years prior

Benefits

  • Does not require points test, career assessment, and English test
  • Allows eligible family members to migrate for permanent residence 

03. Pathway 3 – Skill Professional Teleportation (GTI Visa)

According to John, the Global Talent Independent Visa has been the most popular visa amongst Chinese immigrants in the last 6 months, especially since it is a direct PR visa that takes about 6 months to get.

To be qualified, you must be:

  • internationally recognised in one of the following ten sectors
  • have an annual salary of over  900, 000 HKD. 

In 2021-2022, there are a total of 15,000 places available.

Up Next!

We continue to ask John some commonly asked questions, so watch till the end to benefit from his insights. Otherwise, stay tuned for the next episode, where we will analyze the best places to live in Australia – from a home buying and investing perspective!

Reach out to John for migration consultancy services through email (enquiry@johnhu.com.hk), Facebook, Linkedin or watch his videos on Youtube.

To learn more about Australian visas, check out our other articles here and here.


Property investment is a long-term game and planning is the key. Watch more videos for a better decision!

To receive more property information relating to the UK, Canada and Hong Kong, sign up to our newsletter at the bottom of this page.

More on Australia related information:

  1. Australia | 2022 Australian immigration new policy conditions one by one
  2. Australian government assists 300,000 Australians to buy property

Base on Location:

  1. Brisbane | The place full of opportunity but little recognition

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Singapore | KongWife | 12,000,000 1300 ft. 4-bedroom private property inspection tour

Everyone says that Singapore properties are worth buying. Are Singapore property prices really expensive? How much does a private flat cost? In this episode by Youtuber KongWife, we’ll tour a 1300 square feet unit of new real estate near Singaporean mountains. If you want all the details, remember to watch the video.

Property information

This private unit will be completed in 2025. The unit area is about 1,300 square feet. It is a mixed-use 4-bedroom residential project. When you walk in, you will see a hall with dining and rest space on the left. Heading further in, you will see the entrance to a large terrace. If you get a poorly designed unit, you may have nowhere to install a water pipe. This could make it troublesome to clean the terrace in the future.

Nearby location

  • About 5 minutes walk to the closest international school
  • 1 minute walk away from a bus and subway station
  • A 5-minute walk to Bukit Timah Hill, the highest mountain in Singapore

KongWife Information

KongWife features two wives from Hong Kong who came to Singapore at different times and hit it off when they first met at the spa.

This article has been reproduced in text with the permission of the YouTube channel KongWife.


Property investment is a long-term game and planning is the key. Watch more videos for a better decision! 

To receive more property information relating to the UK, Canada and Hong Kong, sign up to our newsletter at the bottom of this page.

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Canada | Popcon Factory | 2300 sq ft Richmond Hill Townhouse 4 bedrooms 4 bathrooms

We’ve seen different buildings in Toronto before, but now it’s time to show you a townhouse! Youtuber Con Con of Popcon Factory will take you to visit a 2,300-square-foot townhouse in Richmond Hill that her agent friend is selling! What does it look like inside? What’s the difference between a 2,300-square-foot townhouse and a 2,300-square-foot detached house? Find out by watching this video!

Townhouse

Introduced today is a 2,300-square-foot townhouse with 4 bedrooms and 4 bathrooms. It features a renovated basement and parking space for 3 cars outside. As soon as you enter the house, you’ll find a very comfortable lounge chair, and then a dining table for 4 people. There is also a study on the side of the opposite hall. Usually, you’ll find that only large 3,000-square-foot townhouses have room for books, but this property is a bit different.

In the kitchen, all the amenities are made of stainless steel, including the refrigerators and so on. The whole house is structured with an open plan, so there’s plenty of well-separated space to be used. The living room has plenty of sunlight, and there’s lots of room for family activities.

If you want to invest in Canada properties, watch out for our property listings and insightful information.To learn more about property price trends across Canada, remember to click here.

Information of Popcon Factory 

Youtuber Con Con is a Hong Kongers who enjoy living in different places. Because she likes to travel and wants to practice film editing, she started making videos to record her life.

Welcome to Con Con’s channel, Popcon Factory – For Concepts That Pop. Here’s the factory that turns all the crazy ideas of Con Con into reality. Con Con believes that creative ideas will pop up when you need them, like making popcorn. Therefore, Con Con hopes that everyone will subscribe and become “popcorners” to motivate her to show everyone different worlds.

This article has been reproduced in text with the permission of the YouTube channel Popcon Factory.


Canada investment information:

  1. Canadian Taxes | The tax facts you need to know before moving to Canada
  2. Canada Investment | What do Hong Kong investors need to know when they invest in Canada?

The Canada local information:

  1. Montreal 
  2. Toronto

Property investment is a long-term game and planning is the key. Watch more videos for a better decision! 

To receive more property information relating to the UK, Canada and Hong Kong, sign up to our newsletter at the bottom of this page.

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UK | YouTuber Ying Tse | Rent a bad UK house in HK  Something You need to know

Following the introduction of “£335,000 Birmingham B27 Acocks Green 5 Bedrooms” in the last episode, Ying Tse from Youtube channel BN Lau introduces ten things to keep in mind when buying a UK flat. This latest video will introduce 2 victims of poorly rented houses. They will talk about the problems and conditions of renting British houses, so that more Hong Kong people know what to pay attention to and beware of.

Victim one

This victim was living in a building in Hong Kong, and was going to officially rent a three-bedroom, one-bathroom detached house at a price of £1,200 when she moved to the UK in August 2021. At that time, the victim was aware that this house had a water leak. In the middle of her rental period, the owner asked someone to sort it out once, but the problem did not improve, and it became more and more serious. The reason why the victim chose this house was that it had an excellent school network and a famous middle school. And because she hadn’t been to the UK, there was no response from several other properties. This was the only one who got back to her. When the victim looked at the photos before she rented, the owner also promised to rent it out for the maintenance of the house, but the problem has not been improved after the victim lived in it.

If you want to know what happened next and learn about the second victim, remember to watch the video.

We hope the above video by Ying Tse will help you learn more about the UK. Home buyers who are interested in buying can browse our properties for more up-to-date information.

BN撈 information

The name of the channel “BN撈” means refers to Hong Kong people – British National (Overseas) – that are hoping to integrate into British culture and life in pursuit of a better life. The word “撈” is a Guangdong word that Hong Kong people often mention, displaying our desire to pass on Cantonese to the next generation. Hence, the channel’s name “BN撈”.

BN撈 shares with you some clips on how to integrate into the local British culture, and continue to carry forward the spirit of Hong Kong people in different places, knowing how to drink, eat and play. Due to the limited power of one’s own efforts, netizens are also welcome to provide information that can help other Hong Kong people integrate into British culture.

This article has been reproduced in text with the permission of the Youtube BN撈.


The UK mortgage information:

  1. Help to Buy | The UK government helps you get a property with 5% down
  2. Buy to Let | The UK real estate mortgage loan scheme | Top 10 Best Buy to Let areas

The UK local information:

  1. Salford
  2. Liverpool

Property investment is a long-term game and planning is the key. Watch more videos for a better decision! 

To receive more property information relating to the UK, Canada and Hong Kong, sign up to our newsletter at the bottom of this page.

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UK | AdventureInCreativity | UK presale property sales 

In our previous article “Is UK property worth buying now”, we elaborated on recent UK property prices and postulated whether they will fall in the near future. This time, British property consultancy company AdventureInCreativity dissects pre-sale property sales. Read on below!

Buying pre-sale properties

The UK property market is booming, and the demand for “buying off-plan” is also on the rise. So what do you need to pay attention to when buying pre-sale properties in the UK?

The benefits of buying pre-sale properties

– When the housing market is booming and housing demand is strong, properties are likely to have appreciated several times before moving in

– Receive discounts and prioritize the selection of the best units

– From some properties, buyers can choose the unit’s exclusive fittings and color scheme

– Buyers of some pre-sale properties can apply for the UK government’s Help to Buy Equity Loan program

Disadvantages of buying “off-the-plan” properties

– It takes a long time to move in after purchase

– If you are one of the first to join the group, you need to be mentally prepared that there may still be sand and dust around you

Precautions to take buying pre-sale properties

– Select the developer carefully – especially pay attention to the developer’s reputation in the online community and customer comments on the developer’s social media page

– You may wish to negotiate the price before placing the order. Usually, there is room for negotiation

– Check with your lawyer to make sure the buyer is still covered in the event the developer goes bankrupt or the project goes unfinished

– General bank loans are only valid for six months. Those who buy a pre-sale property should check with the bank for details. At present, many banks will automatically increase the validity period of property loans for newly built houses to 12 months, or allow lenders to apply for extensions

Information of AdventureInCreativity  

AdventureInCreativity (AIC) is a UK registered property consultancy company. Their multicultural team includes UK natives and expats from Hong Kong and other parts of Asia, rooted in the UK and connected to Asia. They focus on helping clients find high-quality properties in the UK. The team has many years of UK property experience, local connections, and understanding of the unique requirements of Asians.

This article has been reproduced in text with the permission of the UK property consulting company AdventureInCreativity.


The UK mortgage information:

  1. Help to Buy | The UK government helps you get a property with 5% down
  2. Buy to Let | The UK real estate mortgage loan scheme | Top 10 Best Buy to Let areas

The UK local information:

  1. Salford
  2. Liverpool

Property investment is a long-term game and planning is the key. Watch more videos for a better decision! 

To receive more property information relating to the UK, Canada and Hong Kong, sign up to our newsletter at the bottom of this page.

Follow us on:

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Real Estate Knowledge

Malaysia | The 3-3-5 rule to help you buy a house faster

“How much salary do you need to afford a house?” I believe every buyer has had this question. So, what kind of house can you buy with your current salary and savings? In other words, what kind of house is suitable for you to buy today?

Buy a home based on your current financial means, not your future income

Life changes are hard to predict, especially when it comes to financial situations. Your income may finally improve after a long period of hard work, but it may also deteriorate due to some unexpected event. Give this some thought: what should you do if you encounter a sudden situation, such as the latest, which causes you to be laid off or your business income to plummet? Therefore, if buying a house is your goal now, then it is recommended that you give priority to those properties that you can both afford and can meet your basic living needs.

What is the 3-3-5 rule of real estate?

You may ask, apart from the cost of buying a house, are there any formulas on the market for calculating how much money should be spent on buying a house? The answer is yes!

In Singapore, there is a very popular “3-3-5 rule”, which is a house buying rule approved by the Singapore Provident Fund (CPF).

The so-called 3-3-5 rule is actually what people must consider before buying their first real estate:

  • 3 — You should have at least 30% of the purchase capital of the property
  • 3 — Your monthly mortgage payment should not exceed one-third of your monthly salary
  • 5 — The property price should not exceed 5 times your annual income

How can you use the 3-3-5 rule to calculate your home buying ability?

As long as you list your monthly income, annual income and current savings, you can easily calculate your home buying ability through the 3-3-5 rule.

Why use the 3-3-5 rule to calculate your home buying ability?

The 3-3-5 rule is just a guide to make sure you don’t buy a home beyond your means.

Many times, people will overestimate their future spending power, which is very dangerous. In terms of buying a house, many buyers will only pay attention to whether their bank account has enough money to pay the down payment, stamp duty, lawyer fees and other expenses, ignoring the long-term financial burden after buying a house.

At this time, the 3-3-5 rule can help you calculate your current ability to buy a house:

  • Rule 1 – Make sure you have enough savings to cover the down payment and other expenses of buying a home
  • Rule 2 – Make sure you have a healthy monthly salary to cover your mortgage installments
  • Rule 3 – Make sure the price of the property does not exceed your financial means

But we want to stress that the 3-3-5 rule is just a guide, so don’t get too hung up on the ratios of these numbers.

For example, if your current financial burden is heavy, you can focus on increasing your income or reducing your debt first, and then slowly adjusting your financial situation in the direction of the 3-3-5 rule.

All in all, compared to those high-end houses that are too large and expensive, when buying a house for the first time, I would rather buy a house with just enough space and a house price that I can easily afford. You must know that a cheap house can be sold after appreciation in the future, and then the profit from the sale can be exchanged for a larger house. On the contrary, if you buy a house that you can barely afford at first, then in the event of sudden unemployment or a sharp drop in income, you are likely to face bankruptcy and the house will be foreclosed by the bank. It would then be too late to even regret it.


Property investment is a long-term game and planning is the key. Watch more videos for a better decision! 

To receive more property information relating to the UK, Canada and Hong Kong, sign up to our newsletter at the bottom of this page.

Malaysia investment information:

  1. Malaysia | Why you should Immigrant in Selangor
  2. Immigrate to Malaysia | Lower housing costs are the best choice for Hong Kong residents

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Malaysia|Malaysian freehold and 99-year real estate, which one is better?

Previously, we had talked about how to convert a leasehold property into a freehold property? Today, Let us explain the differences between a freehold and a 99-year leasehold property!  This article will also explain the purpose of purchase, the appreciation potential and other aspects, as well as the factors you need to consider before buying!

What is Freehold Real Estate?

The property rights of freehold real estate belong entirely to the owner, and the government cannot interfere at will. The most obvious examples are bungalows, private apartments and condominiums.

In the case of terraced houses or bungalows, the developer who owns the master title of the land will transfer the property rights to the owners of the individual units after the houses are built.

As for apartments or other high-rise residential buildings, the developer will transfer the property rights of each unit to the respective owners through strata title, and the ownership of the land will remain in the hands of the developer.

What is leasehold Real Estate?

This type of real estate only allows the owner to own the real estate for a certain period of time, and this period is generally 30 years, 60 years, 99 years or 999 years (the 999 case refers to some landed houses in Sabah or Sarawak). There are also lease terms of 50 years, such as District 11 in Petaling Jaya, and some places in Kuala Lumpur.

Compared with leasehold houses, leasehold real estate has many restrictions on property rights. At the same time, the owner must also assume the responsibility for maintaining the real estate in accordance with relevant land laws. If the state government finds that the landlord is in breach of or not fulfilling their legal responsibilities, the landlord’s tenancy security may be affected, and the state government can even take the property back as a reason.

Which is better, freehold or 99-year lease?

In fact, when choosing a freehold or leasehold real estate, the most important factor to consider is the buyer’s affordability and needs. When buying leasehold real estate, for example, you may have to spend a lot more, especially in places like Kuala Lumpur and Selangor where land is expensive.

In addition to price, buyers should also consider the location and accessibility of these properties when buying a house. However, keep in mind that the number of freehold properties in prime locations is very limited, especially in mature urban areas. For example – if you are interested in two properties, with similar characteristics and the only difference being that one is leasehold and the other is freehold, you should choose the one with a leasehold.

Conclusion 

In general, the title of real estate should not be your only consideration when buying a home. As a buyer, you should think more about your affordability, borrowing capacity, work and living needs of yourself and your family, etc. If you continue to want to know more about buying property and immigration in Malaysia, remember to follow Denzity.


Property investment is a long-term game and planning is the key. Watch more videos for a better decision! 

To receive more property information relating to the Malaysia, Canada and Hong Kong, sign up to our newsletter at the bottom of this page.

Malaysia investment information:

  1. Malaysia | Why you should Immigrant in Selangor
  2. Immigrate to Malaysia | Lower housing costs are the best choice for Hong Kong residents

Base on Location:

  1. Brisbane | The place full of opportunity but little recognition

Follow us on:

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Malaysia|3 Steps to Search for Illegal Real Estate Brokers in Malaysia

Many people turn to real estate agents for help when viewing, renting, or buying a home, but how can you be sure that person is a licensed real estate agent? Before hiring one, is there any way to check if they are a legitimate real estate agent? This article will teach you 3 steps to find legitimate real estate brokers in Malaysia.

How to tell if a real estate agent is reliable?

1) Search through LPPEH official website

The public can search and inquire through the official website of LPPEH, and follow the following 3 steps to verify the identity of the other party.

On the search page of the LPPEH official website, choose to search according to the information of the real estate company (Firm), member (Member, including PEA and REA) or real estate coordinator (Negotiator). Fill in the information of the relevant person or company. If you want to search for the information of a REN, you can select “Search for Negotiator”, and then search according to any of the following columns:

– Real Estate Coordinator Number (REN Number)

– Name (can also be the English name on the business card)

– Identification number

– Passport number

– Phone number

After filling in the information, click “Search”. As long as there is a legal REN registered with LPPEH, you can check the other party’s personal information from this webpage. If the webpage does not display any information, it means that you’ve encountered an illegal real estate broker or company!

2) Check their documents

Whether it is REN, PEA or REA, as long as it is a legal property agent, they will have a certificate issued by LPPEH, such as REN Tag, PEA Tag or REA Tag.

These identification cards will list the broker’s name, photo, ID number, registration number, agency company to which it belongs, company registration number, and a QR code.

Moreover, LPPEH stipulates that when they are on duty, they must wear their identification documents. Therefore, we can ask the other party to show this document before formally hiring a real estate agent. If the other party cannot show it, it is likely that they’re up to now good!

3) Check the information on the real estate advertisement

According to Act 242, real estate agents in Malaysia must list themselves and real estate information when advertising to protect the public interest.

These materials include the real information of the real estate, the name of REN/PEA/REA, the registration number, the contact number, the name of the real estate agency to which it belongs, the company registration number, etc.

So, if you find that the advertisement you see does not have the above information attached, it is best not to contact the agent to avoid running into an illegal real estate agent.

Conclusion 

Although real estate agencies are regulated by relevant government agencies and laws, there are still many offenders in the market who provide real estate services illegally. To avoid scams, remember to check and verify the identity of the real estate agent before asking for help.If you continue to want to know more about buying property and immigration in Malaysia, remember to follow Denzity.


Property investment is a long-term game and planning is the key. Watch more videos for a better decision! 

To receive more property information relating to the Malaysia, Canada and Hong Kong, sign up to our newsletter at the bottom of this page.

Malaysia investment information:

  1. Malaysia | Why you should Immigrant in Selangor
  2. Immigrate to Malaysia | Lower housing costs are the best choice for Hong Kong residents

Base on Location:

  1. Brisbane | The place full of opportunity but little recognition

Follow us on:

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Canada | Kin Toronto Real Estate | The Bank of Canada raises interest rates, whether to choose variable interest or fixed interest?

In the last episode, Youtuber Kin introduced a “$620,000 studio in downtown Toronto“. This time, Youtuber Kin discusses the interest rate hike by the Bank of Canada and what you should do in response. We hope the video helps you prepare better for your Canadian immigration.

In this episode, Kitty Hong from Bank of Montreal is invited to give her expert opinion. She discusses whether you should choose a floating interest rate or a fixed interest rate if the Bank of Canada raises interest rates.

Floating interest or fixed interest?

According to Kitty, self-occupying property owners who do not want to bear the pressure of future fluctuations usually find fixed interest rates the most suitable. In this case, the bank will bear the risk for you and bear the interest fluctuations in the market.

For those who consider renting or selling properties, it is more appropriate to choose floating interest, because the interest of investment properties can be deducted from tax, so fluctuation of interest in the market may not be that big of a worry.

We hope the above video by Kin will help you learn more about Canada. Home buyers who are interested in buying can browse our property listings for more up-to-date information.

Kin多倫多地產 Information

Youtuber Kin is the host of the Toronto real estate tour group, and solves all kinds of home buying needs for everyone. Kin is responsible for residential/off-the-plan co-rental! He hopes this channel can help you understand the Toronto market!

This article has been reproduced in text with the permission of the YouTube channel Kin多倫多地產 .


Canada investment information:

  1. Canadian Taxes | The tax facts you need to know before moving to Canada
  2. Canada Investment | What do Hong Kong investors need to know when they invest in Canada?

The Canada local information:

  1. Montreal 
  2. Toronto

Property investment is a long-term game and planning is the key. Watch more videos for a better decision! 

To receive more property information relating to the UK, Canada and Hong Kong, sign up to our newsletter at the bottom of this page.

Follow us on:

👉 Facebook: https://www.facebook.com/Denzity.io 

👉 Instagram: https://www.instagram.com/denzity.io/ 

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Singapore|Nini Chang | Singapore Cozy New Apartment + Community Environment at a Glance

Youtuber Nini has been very busy after moving into her new home last month, adapting to her new environment and job, etc. This video will introduce to you her new home and the nearby community. Renting a house in Singapore is much more expensive than in Taiwan, but the Singapore government has strict regulations on homeowners and house maintenance, so it is not very difficult to rent a good house here. Of course, steeping pricing might be an issue for some.

This is a private condo from Heritage View which completed in 2000 (Youtuber Nini does not have any partnership with the contract provider. This is just additional information in case any readers are interested).

Apartment details

  • Company Name: SERV Property
  • Lease period: 1 year, June 2021 ~ June 2022
  • Rent: SGD 1300/month (including utilities, wifi, detergent, dishwashing, toilet paper, weekly cleaning)
  • Pros: Vibrant and young community, close to many schools such as NUS, ACS Independent and INSEAD
  • Cons: About 15 minutes walk from the neighborhood to the nearest MRT station (Buona Vista/One North)
  • Amenities: Lots of swimming pools, gym (new with lots of equipment!), karaoke room, BBQ grills
  • Locality: supermarkets and bakeries, as well as some food vendors are only a 3 minutes walk away
  • Apartment Type: 4 bedrooms, 1 master with ensuite bathroom
  • Note: This year the agent will raise the rent to 1600 SGD, but those who are interested can bargain a little!

Information of Nini Chang

Nini Chang is a Taiwanese woman who has lived in Singapore for five years. She is currently working in the technology industry and enjoys food, sports, travel, and a good atmosphere. She hopes to inform and help people with each Youtube upload. If you like her content, subscribe to her channel!


Property investment is a long-term game and planning is the key. Watch more videos for a better decision! 

To receive more property information relating to the UK, Canada and Hong Kong, sign up to our newsletter at the bottom of this page.

Follow us on:

👉 Facebook: https://www.facebook.com/Denzity-110540191579297

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