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Off-Plan Mortgage Specialists
Off-Plan Mortgage in DubaiFinance Your Property Before Handover.
Ideal for buyers purchasing under-construction properties and planning ahead for completion.
20-30%
Typical Deposit
Pre-Handover
Finance Secured
5–10 days
Approval Time
Regulated by UAE Central Bank
Partner with 20+ UAE banks
RERA-compliant practices
Get pre-approved
Plan your off-plan finance
First Name
Last Name
Email Address
Phone Number
Trusted Advisory
RERA-registered projects ·
Pre-handover finance
About this service
Plan your off-plan purchase with expert guidance.
Buying an off-plan or under-construction property can be a smart way to enter the market, but the financing process needs careful planning.
We help you understand how off-plan mortgages work, what lenders require, and how to structure your application around developer payment schedules. Our team gives you clear advice so you can move forward with confidence before handover.
Mortgage support for off-plan and under-construction properties.
Guidance on developer payment plans and lender requirements.
Help with pre-approval before project completion.
Clear support through every stage of the process.
Our UAE Banking Partners
We compare home loan offers from leading UAE banks to secure you the best rate.
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— Why choose NHFB —
Off-plan mortgage advantages.
Four reasons UAE buyers, expats, and investors trust us to finance their off-plan and under-construction properties.
01
Project Vetting
We work only with RERA-registered, escrow-protected developments so your payments are safeguarded.
Premium Service
02
Milestone-Linked Drawdowns
Mortgages structured around your developer's payment schedule, no cashflow surprises.
03
Pre-Handover Certainty
Lock in financing terms before handover, so completion never depends on last-minute approvals.
04
Specialist Off-Plan Banks
Direct access to lenders who actively underwrite off-plan and under-construction mortgages in the UAE.
Premium Service
— Off-Plan Essentials —
What we offer for off-plan buyers.
From milestone-aligned drawdowns to pre-handover certainty, everything you need to finance an under-construction home with confidence.
Mortgage support for off-plan and under-construction properties.
Guidance on developer payment plans and lender requirements.
Help with pre-approval before project completion.
Clear support through every stage of the process.
— How It Works —
Simple, fast, and transparent.
A guided four-step journey from first call to final handover.
Submit Your Details
Share your project, developer, and financial details, under 2 minutes.
Compare the Best Offers
We match you with UAE banks that actively finance off-plan and under-construction units.
Get Pre-Approved
Quick pre-approval gives you certainty before handover and stronger standing with developers.
Secure Your Mortgage
We coordinate valuations and milestone drawdowns through to final handover.
— Client Stories —
What our off-plan clients say.
Real feedback from buyers we've guided through Dubai's off-plan mortgage journey.
They helped me understand the off-plan process clearly and calmly.
Ahmed R.
Off-plan buyer in Dubai Hills
Excellent guidance on financing a property before handover.
Priya S.
Off-plan investor in JVC
The mortgage advice was practical, fast, and easy to follow.
Omar K.
Off-plan buyer in Dubai Creek Harbour
— FAQ —
Frequently asked questions.
Everything you need to know about off-plan mortgages in Dubai.
Can I get a mortgage for an off-plan property in Dubai?
Yes, many banks in Dubai offer off-plan mortgages for properties under construction. You apply for finance based on the purchase agreement and developer's payment plan, and the mortgage is usually finalized closer to handover.
How does an off-plan mortgage work in the UAE?
An off-plan mortgage in the UAE lets you secure home loan finance while the property is still under construction. You pay developer installments as usual, and the bank releases the mortgage amount when the project reaches certain milestones or at handover, depending on the lender.
What is the minimum deposit for an off-plan property?
For an off-plan mortgage in Dubai, the minimum deposit is often 20–30% of the property value, but this can vary by bank, developer, and your residency status. Some lenders may require more if the project is higher risk or if you're a non-resident buyer.
When should I apply for an off-plan mortgage?
It's best to apply for an off-plan mortgage in Dubai once you have a signed purchase agreement and know the payment schedule. Getting pre-approval early helps you understand how much you can borrow and whether the developer's plan fits your finances.
What happens if the project is delayed?
If an under-construction project in Dubai is delayed, some lenders may adjust the mortgage drawdown schedule, while others may reassess their risk. It's important to check the bank's policy and choose a developer with a strong track record to reduce this risk.
Can I get pre-approval before the property is finished?
Yes, you can get pre-approval for an off-plan mortgage before the property is completed. This shows developers and banks that you are a serious buyer and helps you plan your budget and payment installments more confidently.
Ready when you are
Plan your off-plan purchase with confidence.
Send your project details and we'll help you find the right financing path before handover.
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New Heights Financial Broker LLC is a trusted mortgage broker in the UAE helping residents, expats, and investors compare mortgage options from leading UAE banks.
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