BUYING OFF THE PLAN

Comprehensive off PLan Property consultancy & finance

At Super Finance, we offer a comprehensive service that helps you navigate your off plan property purchase securely - from finding the right development to arranging the best finance.

With careful planning and a sound understanding of investment finance, we help you get the best possible returns form your property. Our consultancy and finance service includes:

• Establishing your financial position and investment goals.

• Sourcing the right property to meet your investment goals.

• Arranging your deposit  (if required).

• Completely independent legal and financial advice (if required).

• Ongoing support and advice right through to completion of the property.

• Finance on your property purchase at settlement.

As you probably know, buying property 'off the plan' simply refers to entering a purchase contract on a property before it's built. The benefits and flexibility that come with this type of property investment are great. Your property will almost certainly be worth more when its built than when you secured it. By 'locking in' the price early, you can get real growth even before you've settled.

With good information and a considered approach, investing in property off the plan offers a range of benefits:

• Buy at today's buyer's market prices - then hold or sell in tomorrow's seller's market.

• Secure your property with minimum out of pocket costs  during construction.

• Maximise your tax depreciations and rental return.

• Build your investment property portfolio faster.

• Realise Stamp Duty Savings.

Establishing your property and financial goals

This process underpins our approach to securing the property that's right for you. We take time to establish what your financial goals are, as well as what you're looking for in a potential investment property. From determining your borrowing capacity, to ensuring that your finances allow you to settle comfortably on completion, the time we spend with you allows us - and you as the buyer - to take an informed and well planned approach from beginning to end.

Sourcing the right property

Once we've established your goals, we can help you find the property that will most effectively help you reach them. You could need a property with a longer completion date to accomodate your savings and cashflow. Alternatively, tax considerations could mean a property nearer completion would suit your financial position better. Whether you're seeking high rental returns, or a property that will deliver maximum capital growth, the vast range of off plan properties we have access to means we can always find one which fits your circumstances.

Arranging your deposit

All that's necessary to secure your property at today's price is your deposit, typically 10% of the purchase price. Remember, you won't need to secure finance until the property is complete. If you don't have a deposit we can help you arrange one. We can also provide budget and serviceability forecasts - and have your plan reviewed by an independent financial adviser if required.

Independent legal & financial advice

During the purchase process you may want or need to seek legal or financial advice. If you don't already have a preferred professional, we can refer you to one of our associates experienced in off plan property matters. Our associates are competely independent from Super Finance. We use them as trusted and experienced professionals who can assist our clients to make informed choices, we recieve no financial benefit by referring you to them.

Ongoing Support

Generally there will be between 18 months and 3 years from before your property is complete and ready to settle. During this time we keep in regular contact with you. We can help you with budgeting and planning to help you make the most out of your financial position, and get maximum advantage from this construction phase.

Finance for settlement

When your property is complete we can arrange the finance necessary to settle your purchase. With the comprehensive background knowledge we've built up, our understanding of your situation, and access to a wide range of finance products, we will ensure your finance performs for you well into the future.

Looking for an off the plan property? Need investment property finance?

Contact Super Finance for an obligation free discussion about how off plan property investment could work for you.

NOTE: Super Finance offers this complete service free of charge to our clients. In 99% of cases our income is derived entirely from commissions paid by property developers. This commission is normally paid in full to the Real Estate Agent. However, when Super Finance introduces the buyer, the commission is paid half to Super Finance, and half to the agent. In this way, there is NO additional cost incurred by you as the buyer. Furthermore, there is no benefit to Super Finance in recommending one property over another.

We take pride in maintaining complete transparency of fees and commissions. You're encouraged to ask us any questions you have in this regard.