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Off-plan Investments

It has become increasingly common for developers and housebuilders to sell their projects off-plan to help assure their financiers on the demand for their product. Off-plan investment provides an opportunity for a buyer to secure a property at today’s market value which could be cheaper than the date it completes. There can be instances where, in a rising market, the value of the property has increased between the point of reservation and completion which builds a better equity position in the property before completion. Alternatively, it may offer the opportunity for the original buyer to re-sell their contract at a profit to another buyer before completion without having to pay the stamp duty.

However, there are some risks and drawbacks which should be considered when buying off-plan too. Matters such as mortgage offer validity, build delays, oversaturation, cladding, onerous ground rents and concerns over future re-salability may reduce the number of mortgage lenders available to lend on the project.

Discussing your off-plan investment with one of our experienced advisers prior to exchange of contracts is highly recommended to ensure that your circumstances will allow you to secure a mortgage and that you have mitigated any potential risks to your deposit.


Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.

The information on this website is subject to the regulatory regime and is therefore targeted at consumers in the UK.  No representations are made as to whether the information is applicable in any other country which may have access to it.


Providence Global Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.

Just Mortgages Direct Limited Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD. Registered in England No. 2412345

Approved by The Openwork Partnership on (date) 

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