Off-plan & handover

Pairing a developer's payment plan with bank finance at the right stage of construction, through to handover.

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WHO IT'S FOR

For off-plan buyers.

Off-plan purchasersBuying directly from a developer on a construction payment plan.

Near-handover buyersCompleting the shift from developer instalments to a bank mortgage.

Payment-plan investorsUsing the construction period to build equity before finance is needed.

Handover-ready ownersFinalising bank finance to take possession on completion.

ELIGIBILITY & THE NUMBERS

Where this typically lands.

Indicative figures: every case is confirmed against the specific bank, property and buyer profile.

50%Maximum bank finance on off-plan (LTV cap)

MilestonePayments during construction, per developer schedule

At handoverBank finance typically completes

HOW IT WORKS

From reservation to handover.

Reserve with the developerSecure the unit and confirm the payment plan and expected handover date.

Pre-approve in parallelWe get an indicative pre-approval early, so the bank-finance stage isn't a surprise later.

Continue the payment planInstalments continue on schedule through construction, within the 50% bank-finance limit.

Valuation at completionThe bank values the completed unit ahead of handover.

Bank finance completesThe mortgage is finalised and registered, and the balance is settled with the developer at handover.

A NOTE FROM THE DESK

"The mistake we see most often is leaving the mortgage conversation until handover is weeks away. The earlier the bank is involved, the fewer surprises at the finish line."

FREQUENTLY ASKED

Common questions.

Can I get a mortgage on an off-plan property?

Yes, within a 50% loan-to-value limit. Many buyers use the developer's payment plan during construction and bank finance at handover; we help you plan the right mix.

How much can the developer's payment plan cover?

That depends on the specific project: some plans cover more of the price before handover than others. We review the payment plan alongside the 50% bank-finance limit to confirm the numbers work.

What happens if handover is delayed?

Pre-approvals typically have a validity period, so a delayed handover may mean refreshing your pre-approval closer to the revised date. We track this so financing stays ready when the developer is.

Ready to see your own numbers?

Run the calculator for an indicative repayment, or book a call with the desk to structure the finance for this exact case.