New or older property: what should you choose in 2026?
Published on June 18, 2026 · New vs existing
New build or existing? In 2026, the choice is not just about price per square metre. Fees, energy performance, guarantees and reserved schemes significantly change the real cost and comfort. Here is an objective comparison to help you decide according to your project.
Think in terms of total cost, not purchase price
New builds often show a higher price per square metre. But the sensible approach is to compare the total cost: acquisition costs, any works required, energy and guarantees. On these items, a new build makes up part of the gap.
Notary fees: the most tangible difference
This is the most concrete argument in favour of new builds: notary fees represent approximately 2 to 3 % of the price, compared with approximately 7 to 8 % for an existing property. On entry cost, the difference is significant.
Energy performance: RE2020 vs existing
New homes comply with the RE2020 environmental regulation, which requires greater insulation and lower energy consumption. An existing property may need renovation work to reach a comparable level, with a budget to plan for.
Guarantees specific to new builds
Buying new means benefiting from original protections that existing properties do not offer:
| Guarantee | Duration | Coverage |
|---|---|---|
| Perfect completion | 1 year | Defects reported at handover |
| Biennial | 2 years | Separable fixtures and equipment |
| Ten-year | 10 years | Structural work and soundness |
These guarantees limit unwelcome surprises in the early years.
Customisation and condition
In new builds, you can often customise the finishes, and you move into a property without wear. Existing properties appeal through their character and sometimes more central location, but may require works and upkeep.
Schemes reserved for new builds
The PTZ for a main residence, the reduced VAT rate in certain areas, or rental investment schemes are specific to new builds. They do not exist under the same conditions for existing properties and weigh in the decision.
Running costs and works over time
A new home generally requires less work in the short term, and running costs are often kept under control thanks to recent standards. An existing property may carry deferred expenses (external refurbishment, compliance upgrades).
So, new build or existing?
There is no universal answer: it depends on your overall budget, your tolerance for works, and how much importance you attach to energy performance and guarantees. Have both scenarios objectively compared for your situation before deciding.
