Off-Plan Property Finance in the UAE

Secure your Dubai off-plan purchase with confidence using specialist mortgage financing tailored to construction-stage payments.

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Off-plan property purchases are extremely popular in Dubai, with developers offering attractive payment plans and early-buyer discounts below ready-property pricing. Financing an off-plan purchase requires an understanding of construction-linked mortgage disbursements and the specific requirements of each developer and lender. Bradgate Heights has extensive experience with off-plan transactions across Dubai's major developers and can structure a mortgage that complements your chosen payment plan.

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Why Choose Bradgate Heights

Construction-Stage Drawdowns

Off-plan mortgages disburse funds in stages linked to construction milestones, meaning you only pay interest on the portion of the loan that has been drawn down at each point.

Early Purchase Discounts

Buying off-plan often allows you to purchase at below-market pricing, locking in today's price with potential for significant capital appreciation by the time the project completes.

Developer Relationships

We have established relationships with major Dubai developers and understand their specific requirements, helping to ensure a smooth and coordinated purchase and financing process.

Pre-Approval Certainty

Obtaining a mortgage pre-approval before committing to an off-plan purchase gives you certainty of financing and strengthens your negotiating position with the developer.

How It Works

Check Eligibility

We confirm your eligibility for off-plan financing, review the developer's payment plan, and assess which lenders are approved to finance the specific project you are considering.

Choose Product

We identify off-plan mortgage products with the most appropriate drawdown structures, rate lock-in periods, and competitive post-completion rate terms.

Application

We submit your application, coordinate with the developer's sales team, and manage the staged documentation requirements throughout the construction period.

Completion

At handover, we manage the final mortgage drawdown, mandatory property valuation, and title deed registration at the Dubai Land Department on your behalf.

Frequently Asked Questions

When does my mortgage start on an off-plan property in the UAE?+

Typically, mortgage repayments begin once the first drawdown is made by the bank. Interest is charged on drawn amounts only, so payments increase gradually as construction progresses and the lender releases further tranches.

What happens to my off-plan mortgage if the developer delays?+

Most lenders will extend the construction period in line with RERA-confirmed delays. It is important to choose a RERA-registered project, as this provides regulatory protection in the event of significant developer delays or disputes.

What is the maximum LTV for an off-plan mortgage in Dubai?+

LTV for off-plan properties is generally lower than for ready properties, with most lenders offering up to 50–60% of the completed property value. Exact limits depend on project completion status and individual lender policy.

Do all UAE banks offer off-plan mortgages?+

Not all UAE banks offer off-plan mortgages, and those that do typically maintain an approved list of developers and projects. We advise on which lenders are most active in the off-plan space and which projects they currently finance.

Can I use a developer payment plan alongside an off-plan mortgage?+

Yes, it is common to combine a developer payment plan with a mortgage for the balance. We help you structure the split between developer instalments and mortgage drawdowns to minimise your overall financing cost.

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Speak to a specialist today for a free, no-obligation consultation. We compare 20+ UAE lenders to find the mortgage that is right for you.

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