Is Off-Plan Property a Smart Move in 2025?

Buying property off-plan where you purchase before or during construction has become a popular route for first-time buyers, investors, and diaspora clients in Zimbabwe. With attractive pricing, flexible payment plans, and access to new infrastructure, off-plan homes seem like a smart deal. But not every deal delivers.

In 2025, with dozens of cluster and apartment developments launching in Harare, Bulawayo, Ruwa, and Victoria Falls, knowing the risks, rewards, and red flags is crucial. This guide breaks down everything you need to know before buying off-plan property in Zimbabwe.

Off-Plan Snapshot: Zimbabwe’s 2025 Market

Average off-plan unit price:

• 2-bed cluster home: US$50,000–75,000
  
• 3-bed cluster or townhouse: US$85,000–130,000
  
• High-end apartments (Borrowdale, Gunhill): US$140,000–200,000
  

Popular locations:

• Harare: Madokero, Sunway City, Mabvazuva, Arlington
  
• Bulawayo: Burnside, Selborne Park
  
• Ruwa: Springvale, Windsor Park
  
• Victoria Falls: CBD edge & hospitality-linked units
  

Buyer types: Diaspora families, first-time home buyers, retirees, and investment buyers looking for rental income or resale gains

What Does “Off-Plan” Mean?

Buying off-plan means you’re purchasing a property that has not yet been built, or is still under construction. You typically pay a deposit upfront, then follow a payment plan linked to project milestones. In most cases, you rely on architectural drawings, renders, and developer promises.

Benefits of Buying Off-Plan

1. Lower Pricing

Off-plan homes are usually 15–30% cheaper than completed units. Early buyers often get "launch prices" before appreciation kicks in.

2. Flexible Payment Terms

Unlike full cash deals, most off-plan purchases allow staggered payments across 6 to 24 months perfect for diaspora or salaried buyers.

3. Brand New Property

Modern finishes, energy efficiency (solar, inverter-ready), and minimal maintenance are attractive to buyers and tenants alike.

4. Capital Appreciation

Well-located off-plan homes can increase in value before completion, especially in high-growth areas like Madokero or Arlington.

Risks to Watch Out For

1. Project Delays

Construction may take longer than promised, sometimes years. Be ready for delayed possession or extended rentals.

2. Developer Default

If the developer runs out of money or fails to deliver, you risk losing your investment especially if there’s no escrow protection.

3. Quality Issues

What you see on a render is not always what you get. Poor finishes, shortcuts, or substandard work are common complaints.

4. No Deeds at Hand

Some developers sell stands or units before obtaining subdivision permits, title deeds, or council approvals.

What to Check Before You Commit

Legal Protection Tips

Engage a registered conveyancer to review your contract.
Never pay large amounts in cash request escrow or bank-backed payment options.
Ensure your contract includes:

• Agreed completion date
  
• Stated penalties for delay
  
• Refund clause
  
• List of finishes and sizes
  
• Transfer of title terms
  

Bonus: For diaspora buyers, appoint a trusted local representative with power of attorney for site inspections and paperwork.

Top Performing Off-Plan Suburbs in 2025

Final Word: Buy Off-Plan with Eyes Open

Buying off-plan can be one of the smartest property moves you make in Zimbabwe if you choose the right project and protect yourself legally. Always verify the developer, check the paperwork, and know your rights. The promise of owning a modern, secure home or investment unit is real but only if the foundation is solid, both literally and legally.

Need Help?

• Browse verified off-plan listings on Property.co.zw
  
• Download our [Free Off-Plan Buyer Checklist]
• Request a market brief for your preferred suburb