Bought Off-the-Plan? Here’s What You Must Do Before Settlement
Listen to Wealth Coffee Chats Podcast Now
In this Finance Friday edition of Wealth Coffee Chats, Positive Money brokers Damien Hauser and Sarah Shown break down what every buyer needs to do after purchasing an off-the-plan property. From managing borrowing capacity to releasing equity at the right time, this episode is packed with practical steps to help you reach settlement with confidence. Learn how lifestyle changes, job moves, and even credit card applications can affect your loan approval—and why regular broker check-ins are essential for success.
🎥Chapters:
00:05 – Welcome to Wealth Coffee Chats & Housekeeping
02:14 – Meet Damien & Sarah: Today’s Off-the-Plan Focus
03:04 – Why You Need Regular Broker Reviews After Buying
04:44 – Equity Access: When to Release and Why Timing Matters
06:46 – Using Equity for Deposits Without Tapping Into Savings
08:59 – Q&A Shoutout & Property Valuation Scenario Explained
09:51 – Can You Use a Higher Valuation at Settlement?
11:06 – Strategy Recap: Planning for Multi-Property Goals
12:59 – Don’t Fear the Conversation: Income & Lifestyle Changes Matter
15:07 – Why Backup Plans Are Your Best Investment Strategy
15:55 – Final Thoughts & Friday Wrap-Up
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