It’s often said that Doctors are more likely to divorce their spouse than switch banks. But with plenty of competition in the home and investment property loan sector, refinancing can be a good move.

Off-the-plan purchases involve putting down a deposit, usually 5-10 percent of the asking price for the unit, with the rest of the price due on completion. Many buyers see off-the-plan purchases as a good bet – let’s unpack why it’s not a sure thing.