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OFF-PLAN FINANCING

BUY SMART.
FUND EARLY.

Not every bank will lend on off-plan. We know the ones that will, and compare them for your project.

INTEREST CHARGED ON

DISBURSED AMOUNT ONLY

PRE APPROVAL

48 HOURS*

BANKS COMPETING

15+

*See our pre-approval terms

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CHAT WITH AN ADVISOR
ON THE PANEL OF LEADING UAE BANKS
Abu Dhabi Islamic Bank
Standard Chartered
Arab Bank
Commercial Bank of Dubai
Emirates Islamic
Emirates NBD
HSBC
Mashreq
National Bank of Fujairah
RAKBANK
United Arab Bank
Bank of Baroda
Ajman Bank
Dubai Islamic Bank
Sharjah Islamic Bank
First Abu Dhabi Bank

SIXTY SECONDS

Funding it while it’s built? Find out.

You pay the first half; on approved projects the bank can fund the rest, stage by stage.

No credit score impact · An advisor calls you

HOW OFF-PLAN FINANCING WORKS

You pay the first half of the developer’s plan. On approved projects, the bank can fund the rest, up to 50% of the price, released to the developer stage by stage. During construction you pay interest or profit only on what has been released.

  • End users: once your share is paid, the bank covers the remaining milestones, so each payment call doesn’t come out of your savings.
  • Investors: after your 50%, the bank funds the remaining stages, so less of your capital is tied up while it’s built.
  • Available to UAE nationals, residents and non-residents, with selected banks.
An architectural scale model of a new development
Off-plan quick check

Most buyers can finance up to half the price before handover, and more once the home is complete. An advisor confirms your numbers by WhatsApp or a call.

IS THIS YOU?

You’ll recognise yourself in one of these.

Three sentences we hear every single week. If one is yours, this page was written for you.

“We’ve found the off-plan home. We’d rather not drain our savings at every construction milestone.”

→ THE BANK FUNDS EACH STAGE

“Why pay interest on the full loan when the home is only half built?”

→ YOU PAY ON WHAT’S RELEASED

“We live overseas and want to buy off-plan. Will a UAE bank even fund that?”

→ THAT’S THE WHOLE JOB

BUILT IN STAGES

Your home is built in stages. So is the finance behind it.

Whether it’s an apartment, a townhouse or a villa, an off-plan home is paid for as construction progresses. With off-plan financing, the bank releases funds to the developer at each stage, and you pay interest or profit only on what has been disbursed. Your savings stay working, and the finance grows with the home.

Floors rising one stage at a time to a lit top floor: the finance lined up for handover.

HOW WE CAN HELP

Financing for a home
still being built.

We help you structure your finances from your first payment to the keys, including before you reach the 50% milestone.

An advisor going through a payment plan with clients
1 · BEFORE 50%

Your share, planned

Banks can’t lend until about half is paid. We help you structure your finances before you reach the 50% milestone: matching the developer’s plan to your cash flow, releasing equity from a property you already own, and checking the project is one banks will fund.

A residential tower under construction at dusk
2 · 50% TO HANDOVER

The bank’s share, stage by stage

Once your half is paid, the bank can fund the remaining payments, up to 50% of the price, released to the developer as construction progresses. You pay interest or profit only on what’s been released.

A finished, empty apartment with warm light on a wooden floor
3 · AT HANDOVER

The balance, at normal limits

When the home is complete, ready-home limits apply: up to 80% for expats and 85% for UAE nationals on a first home under AED 5M. We line up pre-approval three to six months ahead.

Why go through us?

Why not just walk into a bank?

You could. These are the six things you would be signing up for, and what we do with each one instead.

WHAT’S BEST FOR YOU · NO BANK PLACEMENT FEES

01
  • One File
AT A BANK

Fifteen branches. Fifteen sets of paperwork.

One conversation, one file that we carry everywhere.

02
  • Panel pricing
AT A BANK
The listed rate. Take it or leave it.

Rates from across the market, matched to you.

03
  • NO CHASING
AT A BANK
You chase the bank for every update.

We chase everyone. You get a WhatsApp.

04
  • 48 HOURS*
AT A BANK

Four to six weeks, if nothing slips.

Approval in principle in 48 hours*.

05
  • NO SURPRISES
AT A BANK

Fees you discover at signing.

Every fee agreed before you start.

06
  • SHORTLIST
AT A BANK

Multiple products in every segment, at every bank. Choose from each section.

We narrow them to what suits you better.

Ready?

Make them compete for you.

One call. No obligation, no cost, no pressure.

SPEAK WITH AN ADVISOR

THE MONEY, UP FRONT

This month’s negotiated ranges.

Refreshed monthly. Your exact rate depends on profile and bank appetite.

3 YEARS FIXED
from 4.24%

Certainty while your home is being built.

MOST CHOSEN BY OFF-PLAN BUYERS

5 YEARS FIXED
from 4.44%
Longer calm, slightly higher.

THE HONEST NUMBERS

Off-plan costs land in two moments: DLD registration when you book, and bank and mortgage registration fees when your financing is set up. During construction, interest or profit is charged only on what the bank has disbursed. Nothing surprises you at signing.

Rates are indicative, not offers. Tangerine is an advisory, not a lender.

CALCULATOR

Your numbers, made clear.

Shape the figures to your payment plan and watch your stage-by-stage commitment resolve in real time. No sign-up, no calls.

AED 2,500,000
300K20M
50% · AED 1,250,000
50%90%
25 years
5 yrs25
3 years
1 yr5
4.20% p.a.
2.5%7%
AED 6,737
AED 1KAED 120K
Estimated monthly
AED 6,737
per month over 25 years
Financed by the bankAED 1,250,000
During constructionUp to AED 4,375 a month
Your contributionAED 1,250,000
Total interest / profitAED 851,972
Total repayableAED 2,101,972
Principal 59%
Interest / Profit 41%
Pre-approval48 hours*

01/05

WHAT YOU ACTUALLY GET

One call sets all of this in motion.

Not promises. Deliverables, each with a date on it.

  1. 15 min

    Eligibility, in writing

    A real yes/no with numbers.

  2. Day 1

    Your true budget

    Price plus the ~7 to 8% in fees.

  3. Day 2

    Bank shortlist

    Three to five lenders who want you.

  4. Day 3

    Pre-approval

    Your ceiling, fixed.

  5. Week 4

    Keys

    We’re standing next to you.

HOW IT GOES

Four steps, expertly handled.

Four conversations between this call and your keys. Step through them.

01

Tell us the project

Fifteen unhurried minutes. Your project, your payment plan, your construction timeline and what you have paid so far.

Fifteen minutes · No obligation
02

We compare the banks

We take your profile to our lender panel and bring back rates, terms and fees side by side, in plain language.

15+ lenders · One comparison
03

We handle approval

Paperwork, valuation, follow-ups. We chase the bank so you never have to sit on hold.

Documents · Filed for you
04

Get your keys

Final sign-off, funds released, doors open. We stay on the line right through settlement.

Settlement · Fully supported
Tap a step to see it
A couple talks through their mortgage with an advisor
A couple talks through their mortgage with an advisor
A couple talks through their mortgage with an advisor
A couple talks through their mortgage with an advisor
01 / 04
Step 01 · Tell us the dream

SUCCESS STORIES

Stories that end at a front door.

Thank you so much for your relentless effort. I appreciate your professionalism; it’s rare to find these days. You are doing it really well, and yes, many more to come.

Dixon Pereira

Tarun made the entire mortgage process seamless. His honest advice, transparency and constant communication gave us complete confidence from start to finish.

Moheba

Tarun kept us updated without us ever having to chase him, compared offers from multiple banks and explained the pros and cons of each. His honest advice gave us complete confidence. Highly recommended.

Hiba & Mohammed

STILL WONDERING

Answers, minus the fine print.

Anything else? WhatsApp us.

How does off-plan financing work?

The bank funds your payments to the developer stage by stage as construction progresses, and you pay interest or profit only on the amount disbursed so far. It’s available for apartments, townhouses and villas, for end users and investors, and for non-residents too. All charges are disclosed before you commit to anything.

Yes, on approved projects, but banks cap lending before completion at 50% of the price. Most buyers pay the developer’s plan in stages and finance the balance at handover, when normal home-loan limits apply.

At handover, up to 80% of the value for expats and 85% for UAE nationals on a first home under AED 5 million. If you’ve paid 40% to the developer, the remaining 60% can usually be financed; we confirm your number against your income first.

At the latest, once you’ve paid about 40% to the developer. That gives us time to arrange the bank’s finance before you reach the 50% milestone, so the bank can fund the stages after it. Earlier is better: before you book, we can check the project is one banks will fund and plan how you’ll pay your share. If you’re only financing the balance at handover, speak to us three to six months before, and we’ll line up the pre-approval (as little as 48 hours*), the valuation and the final offer with the bank for you.

A pre-approval usually holds for 60 to 90 days, so if handover slips we refresh it with your current documents. We track the date with you and re-check the numbers before the developer’s final call.

ALSO EXPLORING?

RESIDENTIAL

COMMERCIAL

NON-RESIDENT

SHARIA

READY WHEN YOU ARE

Handover, handled.

Tell us where you are and an advisor calls you back. No obligation, no pressure.

We provide what is best for you

Nobody here is paid by a bank.

15+ lenders

We approach the ones that fit you.

Clear from the start

All charges are disclosed before you commit.

Prefer to talk? +971 50 312 8955

GET A CALL BACK2 MIN
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Your details stay with your advisor. Nothing goes to a lender without your go-ahead.

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Let’s talk it through.

Leave a few details and an advisor will call you back at the earliest. No obligation.

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