The property market is often seen as a space of uncertainty, especially when faced with flat or declining property prices and fluctuating economic conditions. For many, the question looms large - should you act now or wait for clearer conditions? Smart investors, however, tend to take a more calculated and strategic approach. Interestingly, a growing number of these savvy buyers are choosing to act decisively, particularly those with pre-approvals already in hand. Why? Because in times of uncertainty, strategic decisions can often yield significant rewards.
This blog explores why many smart investors are buying now and why purchasing new-build properties offers an attractive path.
Why Some Investors Are Buying Now
For most investors, timing is everything. Market hesitancy has led to reduced competition in certain segments, presenting ideal conditions for those prepared to make a move. Smart investors with pre-approvals are seizing this moment to step into the market, recognising that opportunities are often fleeting.
With pre-approvals secured, these investors can act faster than those needing funding arrangements. They understand that hesitation in a shifting market could mean missing out.
The New-Build Advantage
For smart investors, new-build properties represent an outstanding opportunity in today's market. These investments offer a range of financial and strategic benefits that align perfectly with uncertain conditions.
When purchasing a property under construction, you are locking in the purchase price at the time of the deal - not at the time of settlement. This means you are securing today’s market value (2025 prices) and protecting yourself from potential price increases leading up to the settlement date.
2. Settlement in 2026, When Interest Rates Are Likely Lower
Every economic cycle includes periods of fluctuating rates, and recent forecasts suggest that interest rates are expected to decline by 2026. By purchasing now, you position yourself to finalise the transaction after rates have potentially eased. This can make your repayments more manageable.
3. Time to Build a Financial Buffer
Unlike immediately purchasing an already established property, new-build projects often come with a longer lead time, typically 6 – 12 months. During this period, buyers have the opportunity to save further funds. This cushion can serve as a financial buffer to cover unexpected costs, provide additional security against changes in the market, or even allow for faster repayment of your loan.
4. Appealing Tax and Depreciation Benefits
New builds often come with valuable tax benefits. Features like depreciation schedules for fixtures and fittings can provide advantageous deductions, making them highly attractive to investors looking for ways to maximise returns and reduce taxable income.
The Cost of Waiting
It’s important to consider the potential downsides of waiting for a “perfect” market, which may never clearly arrive:
Smart investors know the power of time in the property market. Waiting for absolute certainty could mean missing out on capital growth, especially in areas forecasted for future demand.
Future CompetitionWhen confidence returns to the market, so will other buyers. Increased competition can drive prices up, potentially pricing out those who delayed their entry.
Key Considerations for Today’s Investor
While acting decisively can be beneficial, smart investors also understand the importance of preparation. If you’re considering purchasing now, ensure you have a comprehensive strategy in place:
- Work with reputable developers when considering new builds to avoid project delays or cancellations.
- Seek professional advice from mortgage brokers or financial planners to understand how current market conditions align with your goals.
- Perform research on the location and type of property you’re purchasing, focusing on areas with growth potential and appealing demand indicators.
Final Thoughts
Smart investors recognise that uncertainty breeds opportunity. By buying now, especially with pre-approvals in place, they are leveraging the current market dynamics to secure long-term gains. New-build properties, in particular, present a compelling proposition - locking in today’s prices, settling down the track when conditions are more favourable, and offering time to build financial buffers.
The question isn’t whether it’s risky to invest now; the question is whether the risk of waiting is greater. For those who are prepared and think ahead, the answer becomes clear - the best time to buy is when everyone else is hesitating.
Ready to explore how a new-build property could fit into your portfolio?
Book a complimentary 15-minute call with Hamish Cowan, Founder and Director at equiti, to discuss your investment strategy and navigate the market with confidence.
