Quick answers
Which is safer under £250,000?
Risk differs rather than disappears. Ready units reduce construction uncertainty; off-plan units may reduce immediate cash pressure but add delivery and future-market risk.
Should the whole £250,000 go toward the unit price?
No. Keep a separate allowance for registration, trustee, brokerage, finance, furnishing and early ownership costs.
This comparison is educational. Availability, pricing, fees, specifications and project status must be reverified for the selected property.
