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How to Sell Off the Plan Properties Before Completion

By Coposit
07/01/2026

Selling off the plan properties before completion is possible. It can also be profitable. Many buyers do not realise this option exists. Developers and experienced investors use it often.

If done correctly, it can unlock capital early and reduce risk.

What Does Selling Off the Plan Before Completion Mean?

When you buy off the plan, you purchase a property before it is built. Settlement happens after construction is complete.

Selling before completion means assigning or reselling the contract before settlement.

This is not the same as selling a completed property.

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Why Buyers Sell Off the Plan Properties Early

There are many reasons buyers choose this path.

Common reasons include:

  • Capital growth during construction
  • Change in financial circumstances
  • Lending policy changes
  • Reduced borrowing capacity
  • Risk management
  • Strategy to recycle capital

For investors and first home buyers, timing matters.

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Is It Legal to Sell Off the Plan Before Completion?

Yes, in most cases. But it depends on the contract.

Some contracts allow assignment. Others restrict it or require developer approval.

Always check:

  • Assignment clauses
  • Developer consent requirements
  • Marketing restrictions
  • Fees payable to the developer

Never assume resale is allowed.

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Understanding Assignment vs Resale

There are two main ways to sell off the plan early.

Assignment of Contract

This is the most common method.

You sell your contract to a new buyer before settlement.

Key points:

  • The new buyer takes over your contract
  • Settlement still occurs with the developer
  • You may receive profit at settlement
  • Developer approval is usually required

Nomination or Resale After Exchange

Less common but still possible.

In this case:

  • You nominate a new buyer
  • The contract structure stays intact
  • Your position exits the deal

This varies by state and developer.

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When Is the Best Time to Sell Off the Plan?

Timing impacts price and demand.

The strongest resale periods are usually:

  • After construction milestones are visible
  • When market prices rise
  • When lending conditions are stable
  • Close to completion but before settlement

Selling too early can limit buyer confidence. Selling too late can reduce flexibility.

How to Prepare Your Off the Plan Property for Sale

Even unfinished properties need positioning.

Know Your Numbers

Be clear on:

  • Purchase price
  • Deposit paid
  • Expected market value
  • Stamp duty implications
  • Capital gains tax exposure

Buyers will ask these questions.

Understand Your Target Buyer

Common buyers include:

  • Owner occupiers priced out of new stock
  • Investors seeking near-complete properties
  • Buyers who missed earlier releases

Your messaging should match their needs.

Marketing Off the Plan Properties Before Completion

You are selling a future asset.

Effective marketing focuses on certainty and value.

Key elements include:

  • Floor plans and finishes
  • Developer reputation
  • Completion timeline
  • Price comparison with current market
  • Location and amenities

Professional presentation matters.

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Risks When Selling Off the Plan Properties Early

This strategy is not risk free.

Be aware of:

  • Developer refusal to approve assignment
  • Valuation shortfalls
  • Market downturns
  • Tax obligations
  • Buyer finance failures

Risk management is critical.

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Tax and Financial Considerations

Selling off the plan may trigger tax consequences.

Depending on your situation:

  • Capital gains tax may apply
  • GST may apply for frequent traders
  • Timing of profit recognition matters

Always seek professional advice before listing.

How Coposit Helps With Flexibility in Off the Plan Strategies

One of the biggest challenges in off the plan investing is cash flow.

Coposit offers a different approach.

Instead of locking large amounts of capital upfront, Coposit allows buyers to secure property with a smaller initial contribution and structured weekly payments.

This flexibility helps buyers:

  • Enter off the plan projects earlier
  • Manage holding costs during construction
  • Keep liquidity for resale opportunities
  • Adjust strategies before completion

When market conditions shift, flexibility becomes an advantage.

Common Mistakes to Avoid

Many sellers make avoidable errors.

Avoid these mistakes:

  • Not checking assignment rights
  • Overpricing based on future expectations
  • Ignoring developer approval timelines
  • Failing to disclose key contract terms
  • Underestimating legal complexity

Preparation protects profit.

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Who Should Consider Selling Off the Plan Before Completion?

This strategy suits buyers who:

  • Understand property cycles
  • Monitor market movements
  • Want capital growth without long holding periods
  • Need flexibility before settlement
  • Are buying off the plan as part of a broader portfolio

It is not a passive strategy.

Smart Ways to Sell Off the Plan Properties Before Settlement

Selling off the plan properties before completion requires planning, clarity, and timing.

Buyers who understand their contracts, position their property correctly, and manage risk can unlock value before settlement. This approach works best when supported by flexible buying models, strong market knowledge, and realistic expectations.

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