Off-Plan & Handover
Buying from a floor plan? Finance it like a pro.
Off-plan finance has its own rules — lower LTVs, developer milestones, handover timing. We plan the whole runway before you sign the SPA.
Handover finance, arranged early
The biggest off-plan mistake is arranging the mortgage at handover. We line up approval months ahead, so the final payment never catches you short.
Know the real LTV
Banks finance up to 50% during construction and more at handover. We map exactly what you'll need in cash, and when.
Developer & project checks
Not every project is financeable by every bank. We check the approved-projects lists before you commit.
How it runs
- 1Review your payment plan
- 2Map cash vs. finance
- 3Pre-approve before handover
- 4Final valuation at completion
- 5Handover funded
Asked often
Can I mortgage an off-plan property?
Yes — during construction up to 50% LTV with select banks, and at handover the property is treated closer to a ready purchase. The key is sequencing.
What if my handover is delayed?
Pre-approvals can be renewed. We track your project's timeline and keep your approval warm so delays don't cost you.
Ready when you are.
A 15-minute conversation. No documents, no pressure, no obligation. Just clarity on your options.