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Off-Plan and Handover Mortgages
Off-plan property? Finance it now or at handover.
One licensed broker, 20+ partner banks, and a specialist who knows which lenders finance off-plan properties - during construction or at handover.
Impossible is NOT an outcome!
Finance planned before the keys.
Not every bank finances every project. We check which lenders fit your project and profile well before handover.
Projects the Banks Finance
Off-plan lending varies by project and lender. We match your case to the banks that fit your development and profile.
Ready at Handover
We start early, so the mortgage is lined up when the final payment falls due.
Residents, Nationals and Non-Residents
UAE residents, UAE/GCC nationals and non-residents - we match your case to the lenders that fit.
Salaried and Self-Employed
Payslips or business income - we know how each bank assesses your profile.
From your payment plan to the keys.
Three stages. Your specialist tells you where you are, what happens next, and what is needed from you.
Tell us about your off-plan property
A short call or WhatsApp chat about the project, your payment plan, income and financing requirement. No documents needed for the first conversation.
Before you share a documentWe match your case to the right banks
We check which lenders fit your development, profile and financing requirement, then prepare the application with you.
Avoid unnecessary applicationsValuation, offer and completion
Your specialist manages the valuation, offer and completion - and tells you exactly what is needed from you, and when.
Through to handoverHave these ready.
We do the rest. The exact list depends on the bank, project and your income profile. Most off-plan and handover applications start with these.
- Passport, plus visa and Emirates ID if you are a UAE resident
- A salary certificate and payslips, if you are salaried
- Trade licence, if you are self-employed
- Statement of Account (SOA), Sale and Purchase Agreement (SPA) and Oqood
- Recent personal bank statements
Your specialist confirms exactly what your bank needs before anything is submitted.
20+ banks. One place to compare them.
We track current rates, lending policies and credit appetite across 20+ partner banks, so we know which lenders best fit your profile.
& many more
Bank names and logos belong to their respective owners and are shown only to identify lenders we work with. No endorsement or affiliation is implied.
What clients say when it is over.
Had a great experience working with Sidhu as the mortgage advisor. The entire process was smooth, well managed, and professionally handled from start to finish. He made sure we stayed aligned with the promised timeline and navigated every step efficiently.
I was already finalizing my property when I was introduced to Ahmed Coush. From that moment, the entire journey became a seamless, hassle-free experience leading all the way to the final transfer. He efficiently managed every critical stage, from identifying the best bank rates and securing pre-approval to coordinating the valuation.
Her in depth knowledge on the mortgage process from application till approval and disbursement has made my life easy. She is a great customer service person as well since she kept on coordinating very closely until the job is done.
I would like to thank Karan for his outstanding support with my UAE home mortgage. He was very patient, responsive, and always willing to help with all my questions. His guidance made the entire process easy and transparent.
Before you enquire.
How much can a bank lend on an off-plan property?
Central Bank rules cap lending on a property that is still under construction at 50% of its value. Once the property is complete, different limits can apply. We tell you what applies to your purchase.
When should I start arranging the mortgage?
Well before handover. Tell us your expected handover date and we plan back from it, so the finance is not a last-minute rush.
Does every bank finance every project?
No. Banks do not all finance the same developments. We check which banks on our panel finance yours before you apply.
What does it cost to use a broker?
We are upfront about any fees before you commit, so there are no surprises.
Handover on the way? Start with sixty seconds.
Share your property details. A specialist will call you back with an initial view.