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Why First-Time Investors Are Choosing Off the Plan Properties

By Coposit
11/06/2025

For many Australians, property is the most reliable path to building wealth. First-time investors are now entering the market with more confidence thanks to the rise of off the plan opportunities.

Buying off the plan gives investors the ability to secure a new property before it is built. This approach comes with unique benefits that align well with the needs of first-time buyers who are just starting their investment journey.

What Is an Off the Plan Property?

An off the plan property is one that is purchased before it has been completed. Buyers review floorplans, renders and inclusions, then sign a contract based on what will be delivered.

These properties are common in:

  • Apartment developments
  • Townhouse communities
  • House and land packages

For first-time investors, this type of purchase offers a modern property with strong appeal to future tenants.

Coposit | Buy with $10K | Off the plan property | Investment property

Horizon Hurstville | Budget friendly investment property | Secure with $10k and $350 x 63 weeks

Why Off the Plan Suits New Investors

New investors are choosing off the plan because it helps them:

  • Get into the market with a smaller upfront payment
  • Secure a property at today's price
  • Allow time to plan their finances before settlement
  • Buy a home with brand-new fixtures and lower maintenance costs

These advantages reduce some of the pressure that comes with traditional investing.

Coposit | Buy with $10K | Off the plan property | Investment Property

Cosmopolitan | Budget friendly investment property | Secure with $10k and $441 x 143 weeks

Locking in the Price Before Completion

One of the biggest advantages of buying off the plan is price certainty. The purchase price is agreed upfront, even though settlement will take place in the future.

If the market rises while the property is being built, the investor may already have equity by the time the home is finished. This can help when refinancing or planning future investments.

Tax and Depreciation Benefits

Brand-new properties come with significant tax advantages. These include:

  • Higher depreciation claims on building and fixtures
  • Potential reductions in annual tax obligations
  • Lower repair and maintenance costs early in the ownership cycle

For first-time investors, this makes managing cash flow easier while building a strong foundation for long-term success.

Coposit | Buy with $10K | Off the plan Sydney | Investment property

The Residences at Wahroonga Estate | Budget friendly investment property | Secure with $10k and $947 x 94 weeks

Lower Maintenance, Higher Tenant Appeal

Tenants prefer newer homes. Modern designs, energy efficiency and clean finishes are all major drawcards.

With an off the plan property, investors can expect:

  • Fewer repairs in the early years
  • Better quality tenants
  • Stronger rental demand in newer developments

This helps reduce vacancy periods and property management headaches.

Coposit | Buy with $10K | Off the plan Brisbane | Investment property

The Abbotsford | Budget friendly investment property | Secure with $10k and $1,190 x 68 weeks

Coposit Makes Entry Easier for Investors

Many first-time investors find saving the full 10 percent deposit upfront a challenge. Coposit helps make the process more accessible.

With Coposit, you can:

  • Secure your investment with just $10,000 upfront
  • Pay the rest of the deposit in weekly instalments
  • Track payments in the Coposit app
  • Enjoy no interest or hidden fees

All payments are held in a secure trust account, giving you time to get ready for settlement while your property is being built.

Coposit | Buy with $10K | Off the plan Sydney | Investment property

Auburn Square, North Village | Budget friendly investment property | Secure with $10k and $371 x 116 weeks

First-Time Investors Should Explore Off the Plan Options

For Australians stepping into property investing for the first time, off the plan purchases offer flexibility, tax savings and better financial planning.

Whether you're buying in Sydney, Melbourne, Brisbane or regional growth areas, Coposit can help you get started without the financial strain of a full deposit.

Browse current off the plan investment opportunities on Coposit and begin your journey as a property investor today.

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