Side by side
The numbers.
- Time to keys
- 18-48 months (off-plan) vs Immediate (resale)
- Capital paid upfront
- 10-50% via payment plan (off-plan) vs 100% at closing (resale)
- Yield from day one
- No (off-plan) vs Yes (resale)
- Capital appreciation runway
- Strong (off-plan, Tier 1) vs Modest (resale, mature buildings)
- Risk
- Project delivery + handover quality (off-plan) vs Service charge + tenant placement (resale)
- Best for
- Growth, structured payments (off-plan). Immediate yield, certainty (resale).
Mario's verdict
Off-plan if the buyer has 18-48 months to wait, wants a 50-50 or post-handover payment plan, and accepts Tier 1 developer risk for capital growth. Resale if the buyer wants tenant in 60 days, has the full purchase amount or mortgage ready, and prefers certain numbers over upside math.
Want a personalized read?
Most clients land on one or the other after a 30-minute call walking goals, budget, and timeline. Mario sends a short-list of 2-4 specific units rather than a market overview.