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How Buying an Off-Plan Property Can Help You Lock in Capital

How Buying an Off-Plan Property Can Help You Lock in Capital

10 March 2026

Toby Patrick

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Finding new ways to get ahead in the property market can be crucial for generating a profit and making your investment worthwhile. One of the most effective strategies for this might be one you’ve never heard of before. Off-plan properties have the potential to help you lock in capital before a build is even complete, as you purchase it during its construction stage and make profits on it once the final touches have been made.


Floor plan pinned to a whiteboard with red magnets, on a blue wall background. Rooms labeled, showing dimensions and layout details.

This strategy acts as protection against rising property prices, as the initial price is fixed at the point of exchange, but the property's value often increases during the 12–36 month construction period. When you do this, you’re allowing yourself to escape the high costs that usually come with real estate investments, increasing your chances of making money.


This guide will outline how buying an off-plan property can help you lock in capital before it’s even completed. Continue reading to learn more.


What is an Off-Plan Property?

An off-plan property is one that can be purchased during the planning or construction phase, and this type of investment is rising rapidly in the UK. There is a growing demand for properties within the real estate market, which has made securing a property prior to completion a great move for improving returns. It’s previously been found that around 40% of new home purchases are made during the planning or construction phase, and this has been increasing year-on-year.


Developers use computer-generated images (CGIs) to show what the finished property will look like, helping attract potential buyers. This makes it easier for them to visualise, so they can plan ahead with their investment and get it signed and sealed before the property has completed its development.


How Buying Off-Plan Helps Lock in Capital

Price Lock-In

When the exchange of contracts happens early in the construction process, you are agreeing to a purchase price based on current market rates. Your agreed price will stay the same, even if the value increases dramatically while the construction phase is still active. You can then gain higher returns upon completion, as the property value should see an increase once it’s been completed.


Built-in Equity

Developers tend to offer lower prices in the early stages of the construction process to secure funding, meaning the property will already be worth more than the purchase price by the time it’s finished. This can give investors instant equity, as they can make much quicker profits than they would by purchasing a property that has already been constructed.


Low Initial Payments

Off-plan purchases typically only require a 10–20% deposit, with the final balance not due until completion. This allows you to secure a high-value asset without needing the full amount upfront. This type of investment, it gives you a longer amount of time to get the full payment completed, making everything more affordable.


Staged Payments

Payments are often broken down into stages with an off-plan investment. This includes the reservation fee, exchange and completion, which all allow investors to manage their cash flow easily compared to traditional property purchases. They will know when they will need the money available for each stage, making it easier to figure out all the ins and outs when it comes to your money.


Deposit Interest

Some developers allow you to earn interest on your deposit while the property is being built, which can be deducted from the final payment so you will be paying less for it overall. This can be great for boosting your returns when you eventually sell the property after its completion, as you’ll have already earned a chunk of your initial investment back.


Stamp Duty Payments

In the UK, you generally pay stamp duty based on the purchase price at the time of exchange. If the property rises in value by £50,000 during construction, you do not pay extra stamp duty on that increase, so you will effectively be saving money and getting more out of your investment.


Low Maintenance Costs

As a brand-new build, there are rarely immediate repair costs if the construction process goes well, protecting your capital from unexpected expenses. The last thing you want is to purchase a property and then be met with maintenance costs from issues that you didn’t know existed. This can happen when purchasing already built properties without knowing what happened to it during the construction process.


When you invest with an off-plan strategy plan, investors can effectively lock in a lower price and leverage the 1-3 year construction period to generate capital growth. This has turned it into a popular choice for long-term portfolio growth that outperforms traditional real estate investments in most cases. It gives you a chance to see the entire process of the construction, giving you multiple benefits like lower prices, higher profits and lower maintenance costs to improve the success of your portfolio.


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The UK’s new deepfake laws: what is now illegal, what it means in practice, and what could come next

  • Writer: Paul Francis
    Paul Francis
  • Feb 17
  • 5 min read

Deepfakes have moved from a niche tech trick to something people can create on a phone in minutes. The UK is now tightening the law to deal with the most harmful uses, especially sexually explicit deepfakes made without consent. The headline is simple: the UK is moving from “it’s illegal to share” to “it’s illegal to make” in key scenarios.


Woman with closed eyes in dark setting, red geometric light pattern projected on her face, conveying a calm, futuristic mood.

What the law already covered (before the newest changes)

Before the current push, UK law already targeted intimate image abuse. Under changes made via the Online Safety Act, the Sexual Offences Act 2003 was updated to criminalise sharing or threatening to share an “intimate photograph or film” without consent, and that includes content that “appears to show” someone, which is where sexually explicit deepfakes fit.


So if someone made a sexually explicit deepfake and posted it, sent it, or threatened to leak it, there has already been a clear criminal route for prosecution.


What the UK is adding: making sexually explicit deepfakes illegal to create

The big gap that campaigners and MPs kept pointing to was this: sharing could be an offence, but creating a sexually explicit deepfake was not always directly captured.

The government has tabled changes to criminalise the intentional creation of sexually explicit deepfakes without consent, with tests around intent and consent. In plain English, if you generate a sexually explicit deepfake of a real adult without their consent, you are moving into criminal territory even if you do not publish it.


The government has also publicly stated that creators of sexually explicit deepfakes could face prosecution, and referenced sentences of up to two years as part of the package being pursued through forthcoming legislation.


The “caught out” part: how ordinary people can stumble into an offence

A lot of people hear “deepfake law” and think it only applies to hardcore offenders. The reality is that the new direction of travel raises risk for a wider group, because creation itself becomes the focus.


Common ways people could get caught out:

  • Using “nudify” or face swap apps on someone you knowIf the output is sexually explicit and the person did not consent, “it was a joke” is not a magic shield. The government has explicitly called out nudification style tools in its crackdown messaging.

  • Making it privately and never posting itThe whole point of the new creation offence is to cover scenarios where the harm occurs even if the image is never uploaded.

  • Commissioning or requesting someone else to generate itPeople often think liability stops with “the creator”. In practice, investigators look at who asked, who paid, who supplied images, and who directed the result. The policy intent is to clamp down on the behaviour end to end, not just the final upload.

  • Assuming “public photo” means “public permission”A selfie on Instagram is not consent for someone else to turn it into explicit material. The consent standard is central to both the sharing offence and the proposed creation offence.

  • Keeping it “semi private” in group chatsSharing to even a small group can still be sharing. If it spreads further, your risk rises fast because investigators can follow the distribution trail.


How enforcement can happen in the real world: digital forensics on phones and laptops, app logs, payment trails, cloud backups, chat exports, plus platform reports. Also, because platforms have stronger duties under the Online Safety Act, takedowns and reports can happen faster, which can also create evidence trails sooner.


How this could start affecting AI art and creators

Most people making AI art are not trying to abuse anyone, but the line gets blurry when AI art uses real faces, real bodies, or “looks exactly like” a real person.


Here is a practical way to think about it:

Lower risk AI art use

  • Fully fictional characters or clearly stylised outputs that do not map onto a real person

  • Licensed models, model releases, or explicit written consent

  • Editorial or educational demonstrations that use synthetic, non-identifiable faces


Higher risk AI art use

  • Photorealistic outputs that use a real person’s likeness, especially if sexualised

  • “Make my ex nude” style prompting, even if you never post it

  • “Parody” claims where the output is still explicit and identifiable


Even if a creator thinks they are making “art”, the law is increasingly focused on consent and harm, not the label on the output. The government’s stated intention is specifically about sexually explicit deepfakes without consent.


Good creator hygiene going forward (simple and realistic):

  • If it is a real person, get explicit consent, in writing if possible

  • Avoid sexualised likeness work entirely unless you are working with a consenting adult model under a clear agreement

  • Keep prompt records and consent records for commercial work

  • Consider watermarking or clear labelling for AI generated content where appropriate (this is not a legal shield, but it helps reduce deception risk)


What the Online Safety Act Really Means

The Online Safety Act is less about banning everything and more about forcing platforms to do risk management properly.


Two rollout dates matter:

  • 17 March 2025: platforms have a legal duty to protect users from illegal content, aligned to Ofcom’s first codes of practice.

  • 25 July 2025: platforms have a legal duty to protect children, including using “highly effective” age assurance for porn and other harmful content.


Ofcom is the regulator, and the enforcement toolkit is serious, including very large fines and, in extreme cases, service restriction.


What else is in the pipeline (and why people are watching closely)

The deepfake changes are not happening in isolation. The UK is also signalling broader moves under the Online Safety regime and related bills.


1) Bringing AI chatbots explicitly into scope

Following the Grok scandal, the government is moving to make sure AI chatbots are explicitly covered by Online Safety duties, so chatbot providers can be held accountable if they fail to prevent illegal harms.


2) Bigger child safety restrictions, including under-16 access debates

There is active discussion and consultation activity around restricting under-16 access to certain services and features, and even looking at VPN workarounds.


3) Stronger measures around self-harm content and safety-by-design

Parliamentary and regulatory pressure is pushing toward more proactive obligations, not just reacting after harm spreads. Ofcom’s codes and regulatory documents are already setting the direction of travel.


Why This Is the Right Move, With Caveats

I think criminalising non-consensual sexually explicit deepfakes is a good and necessary step. It targets real harm, closes an obvious loophole, and gives victims better protection.

At the same time, I am wary about what could be restricted next, especially if regulation expands in ways that accidentally sweep up legitimate creative work, commentary, satire, or benign AI art. The key will be whether future changes stay tightly focused on consent, harm, and clear illegal conduct, rather than drifting into broad controls on speech or creativity.

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