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Mortgages for properties bought from developers

Buying direct from a developer brings payment plans, project approvals and staged payments. We line your mortgage up with all of them.

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At a glance

Developer purchase: the key numbers

Ready property
Up to 80%
For residents buying a first home up to AED 5 million
Off-plan
Up to 50%
While the project is under construction
Approval
Project-based
Banks lend only on approved projects
Payments
Matched
To the developer’s schedule

Typical figures under UAE Central Bank rules and bank criteria, reviewed October 2026. Your offer depends on your profile and the lending bank.

Overview

Finance that fits the developer’s payment plan

Developer sales often come with structured payment plans: a booking deposit, instalments during construction and a final payment at handover. Your mortgage needs to fit around that schedule.

Banks only lend on projects they have approved, and approval lists differ from bank to bank. We check this before you commit, so there are no surprises later.

For ready units bought from a developer, the process is similar to any purchase. For off-plan, we plan the staged payments and arrange the handover mortgage in good time.

New residential towers under construction

Is it right for you?

Who it’s for and what banks look for

Who it’s for

  • Buyers purchasing ready units from a developer
  • Off-plan buyers on a developer payment plan
  • Investors buying several units in a project
  • Residents and selected non-residents

Typical eligibility

  • A project approved by the lending bank
  • Funds for the deposit and any unfinanced instalments
  • Standard income, debt-burden and credit checks
  • A signed sales and purchase agreement (SPA)

How it works

Step by step, from first call to completion

  1. 1

    Choose the project

    Pick your unit from an approved developer.

  2. 2

    Check bank approval

    We confirm which banks will finance it.

  3. 3

    Sign the SPA

    Agree the payment plan with the developer.

  4. 4

    Pre-approval

    The bank approves your facility.

  5. 5

    Disbursement

    Funds are released at handover or in line with construction.

Documents

What you’ll need

We send a personal checklist after your consultation. These are the usual basics.

If you’re salaried

  • Passport and UAE residence visa
  • Emirates ID
  • Salary certificate from your employer
  • Last 3 to 6 months of payslips
  • Last 6 months of personal bank statements

If you’re self-employed

  • Passport, residence visa and Emirates ID
  • Trade licence and memorandum of association
  • 6 to 12 months of personal and company bank statements
  • Audited financial statements (usually the last 2 years)
  • A short company profile

For the property

  • Sales and purchase agreement (SPA)
  • Developer payment plan and statement of account
  • Oqood certificate (off-plan) or title deed (ready)

Why Easyhome Mortgage

Why buyers use us for developer purchases

  • Fast coordination with developers and banks
  • Advice on which lenders finance each project and stage
  • Complete process management, from approval to disbursal
  • A dedicated mortgage specialist throughout
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Cranes above a new residential building

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FAQ

Developer purchase: common questions

Straight answers on UAE mortgages. If yours isn’t here, ask Easyhome AI or an adviser.

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Ask Easyhome AI for a quick answer, or an adviser for advice on your situation.

Ask an adviser Ask Easyhome AI contact@easyhomemortgage.ae
Can I get a mortgage on an off-plan property?

Yes, for properties from developers and projects that the bank approves. Payments are usually released in stages as construction progresses.

How does finance fit with a developer’s payment plan?

We match the mortgage to the developer’s schedule so that bank payments line up with the stages you owe, including the final handover payment.

When should I start arranging handover finance?

Ideally a few months before the expected handover date, so the bank’s approval and valuation are done in time for completion.

What documents will I need?

Requirements vary by lender, but banks usually ask for identification, proof of income such as salary certificates or payslips, recent bank statements and the property documents. We send you a checklist for your specific case.

Still have a question?

Ask Easyhome AI for a quick answer, or an adviser for advice on your situation.

Ask an adviser Ask Easyhome AI contact@easyhomemortgage.ae