Off the plan property purchases let you buy a home before it’s built. You pay a deposit to secure the property, then settle once construction is complete.
This approach offers:
But like any investment, there are risks. Being informed helps you make confident decisions and avoid potential setbacks.
Casa Mendel | Buy townhouse in Sydney | Secure with $50k and $2,500 x 30 weeks
Knowing what can go wrong helps you plan better. Common risks include:
Market Fluctuations Property values may fall during the build period. If the market dips, your final valuation may be lower than the agreed purchase price.
Finance Issues If your financial situation changes or lending criteria tighten, you may struggle to secure a loan at settlement.
Construction Delays Weather, materials, or workforce shortages can push out settlement dates.
Developer Reliability Some developers may go over budget, cut corners, or face legal issues. Choosing the right builder is key.
Take these steps before committing to any off-the-plan purchase:
Look into their previous projects.
Reputable developers are more likely to meet expectations.
Get professional legal advice to review your contract. Pay attention to:
Never sign anything you don’t fully understand.
While you’ll apply for your loan closer to settlement, getting pre-approval now helps you budget and ensures you’re eligible based on current income and savings.
Roslyn Street | The Residences | Buy townhouse in Liverpool | Secure with $10k and $1,839 x 17 weeks
Throughout the build, stay in regular contact with your agent or developer. Reputable projects often provide:
Knowing what’s happening helps you stay financially and mentally prepared.
Cosmopolitan | Off the plan Sydney | Secure with $10k and $438 x 144 weeks
If you’re investing or thinking long-term resale, choose a home that will appeal to future buyers or renters.
Look for:
These qualities help your property hold value and stay in demand.
The Abbotsford | Off the plan Brisbane | Secure with $10k and $1,173 x 69 weeks
One of the biggest barriers to off-the-plan buying is the deposit. That’s where Coposit makes a difference.
With Coposit, you can:
This gives you more flexibility and lowers the risk of financial strain before settlement. If you're a first home buyer, you may also qualify for stamp duty concessions, making the purchase even more affordable.
Rhodes Bay | Off the plan Brisbane | Secure with $10k and $637 x 121 weeks
Off the plan investments can be a smart move when approached carefully. By researching your developer, protecting your contract, and using tools like Coposit, you can reduce risk while enjoying the benefits of buying new.
Start exploring off-the-plan projects that offer long-term value and flexible deposit options today.
Share this article
© 2025 Copyright Coposit.