Licensed mortgage advisory · Licence No. 1660136
Licensed mortgage advisory · Licence No. 1660136
Mortgage services · Off-plan
Off-Plan Mortgages in Dubai
Banks lend up to 50% of the value on off-plan property in the UAE, so plan your own funds for the remaining half of the price.
Off-plan
01
How banks treat off-plan property
Under Central Bank rules, banks lend up to 50% of the value on off-plan property. Most release funds at or near handover, and a few now finance earlier on approved projects.
02
Payment plan versus mortgage
Your developer payment plan and your mortgage are two different things. The payment plan is what you pay the developer during construction. The mortgage, if the bank approves it, typically settles the remaining balance at handover.
The down payment must come from your own funds, not from a personal loan or a credit card.
03
Planning for the handover balance
Because the loan is capped at 50%, plan how you will fund the rest of the price from your savings and the instalments you pay before handover.
We stress-test the numbers before you sign, including what happens if the valuation comes in below the price.
04
Which developers banks accept
Banks approve developers and projects individually. Before you pay a booking deposit, we check whether your preferred lender accepts the project, so your finance plan does not fall apart at handover.
FAQ
Off-plan questions, answered
Most banks release funds at or near handover, and a few now finance earlier on approved projects. Ask us before you sign the developer contract.
Up to 50% of the property value under Central Bank rules. The rest comes from your own funds, including the instalments you pay the developer.
No. The Central Bank requires the down payment to come from your own resources, not from borrowed money.
No. Banks approve developers and projects individually, so check that your lender accepts the project before you pay a booking deposit.
The bank lends against the lower of the valuation and the price, so you may need to cover the gap. We stress-test this before you buy.
Information on this page is general guidance, not legal or financial advice. Rules, fees and bank criteria change, and every mortgage is subject to bank approval and your eligibility. Last reviewed October 2026.
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