Off-the-Plan vs. Existing Properties: Which One is Better for Investors?
When it comes to property investing, one of the most common questions we hear is:
Should I buy off-the-plan or stick with an existing property?
The truth is, both options have their place in a well-structured investment strategy — but which one suits you best depends on your budget, timeframe, and long-term goals.
At Focus Property Group, we help clients weigh up both choices with clarity — and today, we’re unpacking the pros and cons of each.
What Is Off-the-Plan?
Off-the-plan properties are purchased before construction is completed — often directly from a developer.
These are typically new builds, such as apartments, townhouses, or house & land packages in developing growth corridors.
Pros of Buying Off-the-Plan
Maximised depreciation: Full building and fittings depreciation = strong tax offsets
Lower maintenance costs: No urgent repairs or upgrades required
Modern appeal for tenants: Energy efficiency, new appliances, smart design
Potential price growth before settlement: Lock in today’s price and settle in 12–24 months
Government incentives: May include stamp duty concessions or grants (state-dependent)
Off-the-Plan Considerations
Longer lead time: You may be waiting 12–24 months before rental income begins. However, there are also markets where you can have a home completed in 6 – 8 months.
Market fluctuations: Property value at settlement may differ from contract price
Developer reputation matters: Not all builders deliver the same quality
What About Existing Properties?
Established homes or units are already built and can usually settle in 30–90 days. You can inspect the property and generate rental income immediately.
Pros of Buying Existing
Immediate rental return: Tenants can move in straight after settlement
More buying opportunities: Broader selection of suburbs and property types
Tangible asset: You can walk through the property and assess condition
Room for negotiation: Especially in slower markets or private sales
Existing Property Considerations
Higher maintenance: Repairs and upgrades may be required
Lower depreciation: Limited or no building deductions available
Older features: May not appeal to today’s renters
No government incentives for most existing purchases
So, Which One Is Better?
If your focus is long-term growth, low hassle, and strong tax advantages, then off-the-plan (particularly house & land) may be the smarter choice — especially if you're working with professionals who can manage due diligence and builder selection.
However, if cash flow is an immediate priority or you need to move quickly, a well-located existing property could serve as a strong entry point into the market.
Our Verdict?
✔️ Off-the-plan = growth potential, tax benefits, lower maintenance
✔️ Existing = faster rental return, flexible timing
At Focus Property Group, we help you determine which strategy fits your budget, timeline, and goals — and ensure every property is investment-grade and future-ready.
📞 Book your free 15-minute strategy call today and let’s build your plan.
1 300 702 885
info@focuspropertygroup.com.au
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IMPORTANT DISCLAIMER: The information provided in this article is for general informational purposes only and does not constitute financial advice. All information is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information in this article.
Focus Property does not provide financial advice. You should not act upon the content of this article without seeking advice from a qualified professional. The content of this article is not a substitute for professional advice tailored to your circumstances. Focus Property will not be liable for any actions taken or not taken based on the contents of this article.