
Get the off-plan advantage

Our guide to buying property ‘off-plan’
We explain everything you need to know about buying a McCarthy & Stone retirement property off-plan, including how we can help you to visualise the property before it is built and the unique benefits of buying - or renting - a retirement home months before it is completed.
What is buying off-plan?
Buying off-plan means buying a property while it is still being built - usually around six months before it is finished. It may sound daunting but you’ll get lots of help to visualise life in your new home, including the chance to visit similar properties nearby - and there are major advantages too! You’ll get first choice of properties, meaning you can secure the position you want, as well as the pick of features like private patios, balconies and parking spaces - so you get exactly the right fit for your retirement. Buying off-plan means the properties are usually cheaper than they will be once they are finished, so you’re likely to bag a bargain. And you’ll have plenty of time to prepare for your move too.
The benefits of buying a McCarthy & Stone retirement property off-plan
- It’s cheaper. Buying off-plan usually allows you to purchase or rent your property at a lower cost, as normally prices will increase once the development is ready to view.
- You’ll get first choice of properties. This means you can secure the aspect, position, views, and, in the case of a retirement apartment, floor, that you want. You will also have more choice of properties with additional features like patios or balconies.
- You know it’s yours. For a small deposit, you can secure a new home in a sought-after location before they sell out.
- The build is guaranteed. Your new off-plan home is covered by the NHBC Buildmark warranty, which provides deposit protection; a two year builder warranty period, plus an eight year insurance policy against build defects.

Bringing your new off-plan retirement home to life
If you’re more used to period properties then the idea of buying a home that is still under construction can feel a little odd! That’s where our expert team step in. Your consultant will take you through a computer generated video which will show you an accurate representation of the exterior and interior of the new retirement development. You will be shown detailed floor plans for each apartment as well as things like carpet samples, kitchen cupboard and worktop samples, pictures of all the finishings and even images of the views from the properties. The consultant will also talk you through the lifestyle, communal spaces and services which will vary depending on whether it is a Retirement Living or Retirement Living Plus development.
Experience the lifestyle for yourself
You’ll also be offered the chance to visit a comparable McCarthy & Stone retirement development. You’ll be able to view similar retirement apartments, experience how the space works and inspect the quality of the fixtures and fittings for yourself. You’ll also be able to explore the communal areas, gardens and grounds and talk to homeowners and employees – they’ll give you an in-depth and candid understanding on the kind of lifestyle and community events you can expect to enjoy. As well as a visit, you may get the opportunity to stay overnight in one of our luxurious hotel-style guest suites and if there is a bistro (Retirement Living Plus developments only) you can enjoy a delicious meal on us. This truly immersive experience will really help you to envisage what life could be like in your beautiful new retirement home.
7 steps to buying – and moving into - an off-plan property with McCarthy & Stone
You’ve found your potentially perfect property and it is either in the early construction stages or now available to buy or rent off-plan, so what do you need to do next? Follow our simple step-by-step guide.






