Buying off the plan can be an exciting way to secure your dream home, but it comes with unique challenges that require specialist knowledge. In 2026, Australian property buyers are increasingly turning to off the plan purchases to access new developments and secure competitive prices. However, navigating the complex world of off the plan mortgages requires expert guidance from experienced mortgage brokers who understand the intricacies of this specialised market.

Understanding Off the Plan Purchases

Off the plan purchases involve buying a property before construction is complete, often based on plans, architectural drawings, and display suites. This type of purchase offers several advantages, including the potential for capital growth during construction, access to brand-new properties with modern features, and often competitive pricing from developers seeking early sales.

However, off the plan purchases also present unique challenges. Settlement typically occurs 12-24 months after the initial contract, which means your financial situation and lending policies may change during this period. Additionally, lenders have specific requirements for off the plan approvals that differ from standard home loan applications.

Why You Need a Specialist Off the Plan Mortgage Broker

Working with a mortgage broker who specialises in off the plan purchases can make the difference between securing your dream home and facing disappointment at settlement. These specialists understand the specific lending criteria, can structure your application to meet lender requirements, and provide ongoing support throughout the extended settlement period.

Expert Knowledge of Lender Policies

Different lenders have varying policies regarding off the plan purchases. Some require higher deposits, others have specific approval processes, and many have restrictions on certain types of developments. Specialist brokers maintain up-to-date knowledge of these requirements and can match you with the right lender for your situation.

Settlement Period Support

The extended timeframe between contract signing and settlement requires careful financial planning. Your chosen broker will monitor your loan throughout this period, ensuring your approval remains valid and addressing any changes in your circumstances or lending policies.

Leading Off the Plan Mortgage Brokers

Arman Yazarloo - Senior Mortgage Broker, Clarity Home Loans

With over 16 years of experience since 2008, Arman Yazarloo has established himself as one of Clarity's top-performing brokers. His expertise in off the plan purchases, combined with his friendly approach and dedication to client service, has earned him numerous industry recognitions, including Clarity Home Loan's Broker of the Year in 2023.

Arman's background in IT brings analytical skills to complex lending scenarios, while his ability to speak Farsi allows him to support a broader range of clients. With access to 55 lenders and an outstanding 5.0-star rating from 135 reviews, Arman provides comprehensive guidance throughout the off the plan journey. Working alongside Michele Dillicar, he ensures clients receive professional support from initial consultation through to settlement.

Cesar Martinez - Senior Mortgage Broker, Clarity Home Loans

Cesar Martinez joined Clarity in 2018 and has quickly become a trusted advisor for off the plan purchases. His strong finance background from public service, combined with a 'can do' attitude, has led to multiple industry accolades, including being named a Top 50 Mortgage Broker in NSW/ACT at the 2025 AFG Broker Awards.

Fluent in both English and Spanish, Cesar offers clear, tailored guidance to help Spanish-speaking borrowers navigate the complexities of off the plan lending. His qualifications include a Bachelor of Commerce (Banking & Finance) and Diploma of Finance and Mortgage Broking Management. Working with Personal Assistant Luzil Larraquel, Cesar ensures clients receive expert guidance and a smooth experience throughout their off the plan purchase.

Guy Curtis - Senior Mortgage Broker, Clarity Home Loans

Since joining Clarity in 2017, Guy Curtis has built a reputation for simplifying complex processes and delivering exceptional client experiences. His client-first approach ensures buyers feel informed and supported throughout their off the plan journey, from initial application through to final settlement.

Guy's expertise has earned him recognition as a Top 50 Mortgage Broker (NSW/ACT) at the 2024 AFG Excellence Awards, along with finalist nominations for Champion Broker of the Year. With 169 five-star reviews and high numbers of referrals and returning clients, Guy's dedication to achieving the best outcomes makes him an invaluable resource for off the plan purchases.

Jared Parsons - Senior Mortgage Broker, Clarity Home Loans

A dedicated member of the Clarity team since 2018, Jared Parsons specialises in complex lending scenarios including off the plan purchases. His deep understanding of lender policies and legislation, combined with his commitment to transparency, has earned him recognition as a two-time Clarity Home Loans Broker of the Year.

Jared's expertise extends beyond traditional purchases to include bridging and relocation loans, making him particularly valuable for clients with complex off the plan requirements. Working closely with Personal Assistant Jorja Aranza, Jared provides exceptional support throughout the entire home loan journey, ensuring clients feel confident and informed at every stage.

Navigating the Off the Plan Process

Pre-Approval Considerations

Securing pre-approval for off the plan purchases requires careful consideration of several factors. Lenders typically require higher deposits for off the plan purchases, often 20% or more, and may have specific requirements regarding the developer's track record and the project's completion timeline.

Your mortgage broker will assess your financial situation, research the development and developer, and structure your application to meet lender requirements. This includes ensuring you have sufficient funds for the deposit and ongoing payments during construction.

Managing Settlement Delays

Construction delays are common in off the plan purchases, and your mortgage broker plays a crucial role in managing these situations. They monitor your loan approval throughout the extended period, communicate with lenders regarding any changes, and ensure your financing remains in place when settlement eventually occurs.

Professional Support Throughout Your Journey

Shannon O'Neill - Senior Mortgage Broker, Clarity Home Loans

Since 2014, Shannon O'Neill has been delivering outstanding results for clients navigating complex lending scenarios. His passion for finance and the property market, combined with his sharp eye for detail, ensures every off the plan purchase is handled with expertise and care.

Working closely with Personal Assistant Cindy Baltazar, Shannon provides seamless support throughout the loan process. His recognition as a Top 50 Mortgage Broker (NSW/ACT) at the 2022 AFG Excellence Awards reflects his commitment to excellence in off the plan lending.

Josh Shea - Mortgage Broker, Clarity Home Loans

With over a decade of experience in financial and property sectors, Josh Shea brings comprehensive knowledge to off the plan lending. His commitment to educating clients about the home loan process ensures buyers understand their options and feel confident throughout their journey.

Josh works closely with Personal Assistant Hazel Diez to provide highly organised and responsive support. His qualifications include a Bachelor of Commerce, Diploma of Finance and Mortgage Broking Management, and Diploma of Financial Planning, providing clients with expert guidance tailored to their individual needs.

Matthew Rastar - Mortgage Broker, Clarity Home Loans

Joining Clarity in 2023, Matthew Rastar brings a unique perspective from his background in real estate and property development sales. This experience provides invaluable insight into the off the plan market, helping clients understand both the lending and development aspects of their purchase.

Working with Personal Assistant Jamielyn Cabotaje, Matthew provides timely, accurate, and personalised support throughout the home loan journey. His recognition as a finalist for Best New Broker of the Year (NSW/ACT) in his first year demonstrates his commitment to excellence in off the plan lending.

Additional Expertise and Support

Rob Garth - Training Director/Senior Mortgage Broker, Clarity Home Loans

As part-owner and Training Director at Clarity, Rob Garth brings extensive experience spanning since 2008. His role in mentoring new brokers ensures the highest standards of service, while his continued client work demonstrates ongoing commitment to excellence in off the plan lending.

Rob's consistent recognition as a Top 50 Mortgage Broker (NSW/ACT) from 2012 to 2025, along with multiple Regional Broker of the Year finalist positions, reflects his expertise in complex lending scenarios. Working with Personal Assistant Hazel Diez, Rob provides consistent, high-quality service throughout the off the plan journey.

Shanice Briones - Mortgage Broker, Clarity Home Loans

Since joining Clarity in 2021, Shanice Briones has combined her diverse background across multiple industries to deliver exceptional mortgage broking services. Her transparency and commitment to ensuring clients feel informed and supported make her particularly valuable for first-time off the plan buyers.

Working alongside Agnes Ortega, Shanice provides professional, client-focused service that has earned industry recognition, including a finalist nomination for Champion Broker of the Year (NSW/ACT) in 2023. Her 194 five-star reviews demonstrate her dedication to client satisfaction.

Ramy Georges - Mortgage Broker, Prime Loans

Ramy Georges brings a customer-centric approach to off the plan lending through Prime Loans. His passion for educating people and guiding them through significant financial decisions makes him particularly valuable for clients navigating their first off the plan purchase.

With personal involvement in every loan that comes through the business, Ramy ensures clients receive comprehensive support and expert guidance. His 135 five-star reviews reflect his commitment to delivering exceptional experiences for off the plan buyers.

Purchasing off the plan represents an excellent opportunity to secure a brand-new home in a desirable location, often at competitive prices. However, the complexity of off the plan lending requires specialist expertise to navigate successfully. The mortgage brokers featured here bring the knowledge, experience, and dedication needed to guide you through every aspect of your off the plan purchase, from initial pre-approval through to final settlement. Their proven track records, industry recognition, and commitment to client satisfaction make them ideal partners for your off the plan journey.