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Off-Plan Property Mortgages in the UAE

Buyer Guide

Finance under-construction properties in Dubai and Abu Dhabi with the UAE's most experienced mortgage broker.

Off-plan mortgages finance properties that are not yet completed. The CBUAE caps off-plan mortgage LTV at 50% of property value for every purchaser category, purpose and property value, so the buyer contribution is at least 50% before transaction costs; a lender may require more. Product availability, project acceptance, disbursement timing and other terms vary by lender and should be confirmed in a written offer.

Overview

Maximum LTV (off-plan; all purchaser categories)50% of property value under the CBUAE cap; lender terms may be stricter
Minimum buyer contributionAt least 50% of property value before transaction costs under the CBUAE LTV cap
Progressive drawdownReleased as construction progresses
Key approved developersEmaar, DAMAC, Nakheel, Sobha, Meraas, Aldar

Key Points

  • Off-plan mortgages typically offer 1–2 year post-handover payment plans in combination with the mortgage.
  • Bank approval depends on the developer and project — not all projects are approved by participating lenders.
  • Interest is charged on drawn-down amounts only during construction — lower initial payments.
  • Mortigo's developer-bank matrix identifies which banks finance which projects.

Frequently Asked Questions

Can I get a mortgage for an off-plan property in Dubai?

A lender may offer finance for an eligible off-plan project. The CBUAE caps off-plan LTV at 50% of property value for every purchaser category, purpose and property value, so the buyer contribution is at least 50% before transaction costs; a lender may require more. Confirm project acceptance, disbursement timing and terms directly with the lender in writing.

Which UAE banks are best for off-plan mortgages?

Emirates NBD, FAB, DIB, and Mashreq are among the most active off-plan lenders. Each has different developer approval lists — Mortigo compares all to find the best option for your specific project.

What happens if I can't pay the off-plan mortgage during construction?

If you face difficulty, options include selling the off-plan unit, requesting a payment deferral, or restructuring the mortgage. Mortigo advises on all scenarios before you commit.

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Related Guides

Further Reading

Need the process rather than application support? Read the Dubai property handover guide from notice through valuation, transfer and completion.

Check your eligibility | All mortgage guides | Compare participating lenders

Buyer Guide

Off-Plan Property Mortgages in the UAE

Finance under-construction properties in Dubai and Abu Dhabi with the UAE's most experienced mortgage broker.

Maximum LTV (off-plan; all purchaser categories)50% of property value under the CBUAE cap; lender terms may be stricter
Minimum buyer contributionAt least 50% of property value before transaction costs under the CBUAE LTV cap
Progressive drawdownReleased as construction progresses
Key approved developersEmaar, DAMAC, Nakheel, Sobha, Meraas, Aldar

Overview

Off-plan mortgages finance properties that are not yet completed. The CBUAE caps off-plan mortgage LTV at 50% of property value for every purchaser category, purpose and property value, so the buyer contribution is at least 50% before transaction costs; a lender may require more. Product availability, project acceptance, disbursement timing and other terms vary by lender and should be confirmed in a written offer.

Key Points

Off-plan mortgages typically offer 1–2 year post-handover payment plans in combination with the mortgage.
Bank approval depends on the developer and project — not all projects are approved by participating lenders.
Interest is charged on drawn-down amounts only during construction — lower initial payments.
Mortigo's developer-bank matrix identifies which banks finance which projects.

Frequently Asked Questions

Can I get a mortgage for an off-plan property in Dubai?

A lender may offer finance for an eligible off-plan project. The CBUAE caps off-plan LTV at 50% of property value for every purchaser category, purpose and property value, so the buyer contribution is at least 50% before transaction costs; a lender may require more. Confirm project acceptance, disbursement timing and terms directly with the lender in writing.

Which UAE banks are best for off-plan mortgages?

Emirates NBD, FAB, DIB, and Mashreq are among the most active off-plan lenders. Each has different developer approval lists — Mortigo compares all to find the best option for your specific project.

What happens if I can't pay the off-plan mortgage during construction?

If you face difficulty, options include selling the off-plan unit, requesting a payment deferral, or restructuring the mortgage. Mortigo advises on all scenarios before you commit.

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Request a callback from a Mortigo advisor about this mortgage guide.

Featured Bank Guides

ENBDNot currently published
DIBNot currently published
FABNot currently published
MashreqNot currently published
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Further Reading

Ready to Apply?

Mortigo helps identify potentially suitable products from available participating lenders. Lender assessment and pre-approval timing vary by applicant, property and lender review.