Off The Plan vs Established


One of the most important decisions you'll need to make is whether to purchase an established home or an off the plan property. We'll guide you through this decision, keeping your goals at the centre of your strategy. Here are some of the pros and cons of an off the plan property, as well as a small selection of our many solutions to make sure you're at the centre of the process and outcome.


  • Lock in a good price early. Buying off the plan means you'll pay current market price for a property that will be completed in the future. 
  • Take advantage of a booming property market. The off the plan property you buy today might be worth more by the time you settle!
  • A builder's guarantee, for long term peace of mind
  • Tax advantages and stamp duty savings
  • You do not need to take out a mortgage until the property is complete, this means you can save on interest payments until you absolutely need
  • Saving for a deposit, as the time for completion may be 1-2 years away this allows you time to save for the remainder of your deposit using our strategy


  • Fluctuating prices and interest rates could be a source of risk in the long term
  • You could face unforeseen construction issues that delay openings
  • Decrease in value, your off the plan home could decrease in value when you eventually purchase depending on the surrounding developments (as can other investments)
  • Failed expectations is what a lot of investors face when conducting their own research and not structuring their mortgage and properties in the correct way with professionals


  •  Fluctuating interest rates can impact your goals, but through the appropriate structure of the mortgage with a broker, the review of your overall financial position with a financial planner, and the right property choice, these can minimised and protected against.
  • Construction issues is one of the areas we hear about from the market, through our extensive network of 350+ developers we meet them and discuss their previous constructions, delays, issues, and then conduct our own independent research to make sure we have both sides of the property covered. This way we can provide guidance around the developers, which ones to use and which ones to avoid, regardless of how amazing the property might be. 
  • Decrease in value is a concern as well. When you eventually purchase the property the surrounding developments in terms of infrastructure may change and this can negatively impact your purchase. We focus on properties in areas that have already shown significant growth and already established infrastructure to minimize this risk. The last thing we want you doing is purchasing on the outskirts in an under developed area with limited growth potential. 
  • Failed expectations is what a lot of investors face when conducting their own research and not structuring their mortgage and properties in the correct way. We have access to a large network of financial planners, mortgage brokers, lawyers and accountants who can provide independent guidance and research around one of the biggest decisions you're going to make. Let us help you make the right choice. 

To get started on your journey to your dream home, get in contact with us for a relaxed, no pressure discussion on your property options. 

Disclaimer: The information contained in this article is for information purposes only and cannot be relied upon. You should seek professional advice tailored to your specific personal and financial circumstances.