Borrowing against the end value ,,did work in the good old days but these days the normal housing lenders, Banks credit unions etc ,,,will only lend against the Valuation or purchase price which ever is the Lowest.
Private funds that lend against End value are great however the LVR that they will lend against are much lower necessataiting in a higher deposit.
The reason most Australians can no longer afford to put a roof over their families heads as an owner is due to this disgusting form of investment. Domestic housing should not be seen as an opportunity to get rich. Housing should be affordable for all as a basic human right!
Of course you have your human right. Housing is affordable in country areas. But if you choose to live in the City then deal with it. Or if you can't make/save enough money then it's your own fault, not the market, government or investors.
What all the 1st home buyers need to understand is if the property that you're buying is not your 'dream home' then why waste your money and time. Start investing now with what you have. The best way to get in the market is buy and wait, not wait and buy. The more you wait, the more it becomes beyond reach.
Buying off the plan
Strategy: Buy a property before it is built and, provided it increases in value by the time it is constructed, borrow against the new value to fund your deposit. An area where property prices are likely to surge in the future. Get a partner to sponsor the upfront costs of the purchase and split the proceeds
Property buying is not all easy as it seems. Although I fail to understand everything you have written here, one thing is certain. You certainly know about the field well enough. I might have to talk to you personally for some more tips. How can I contact you?
Among these three scenarios buying off the plan seems the most approachable option, though the risks are many too. But it's the characteristic of real estate market anywhere in general. From my experience I can say that buying off-plan is the real deal.