Under Construction & Off-Plan Property Loans
Finance your dream property before completion with specialized off-plan mortgages. Lower LTV, flexible payment during construction.
Apply for Off-Plan Loan
Get financing for under-construction properties from top UAE banks
Powered by Licensed Home Loan Providers
Compare Off-Plan Property Loans From
Access specialized under-construction financing through our licensed partner network
Off-Plan Property Financing 2025
Lower LTV Requirements
50% LTV for off-plan properties (UAE Nationals: up to 70%)
Payment Flexibility
Interest-only payments during construction period available
Delayed Disbursement
Loan funds released based on construction milestones
Developer Approval
Financing available for RERA-registered projects only
Off-Plan vs Completed Property Loans
Off-Plan Mortgages
- LTV: 50% (Expatriates), 70% (UAE Nationals)
- Payment: Interest-only during construction, full EMI after completion
- Disbursement: Phased release tied to construction milestones
- Rates: Typically 0.25-0.5% higher than completed properties
Completed Property
- LTV: 75-80% (Expatriates), 80-85% (UAE Nationals)
- Payment: Standard EMI begins immediately after disbursement
- Disbursement: Full loan amount released at once
- Rates: Lower rates from 3.99% APR for prime borrowers
Apply for Off-Plan Property Loan
Get financing for under-construction properties from top UAE banks
Get Your Free Mortgage Quote
Fill out the form below and receive personalized offers from multiple UAE banks
Off-Plan Loan Calculator
Important: Illustrative Calculations Only
*These calculations are illustrative estimates only and do not constitute a loan offer or commitment.
- •Actual interest rates, fees, and terms vary based on your credit profile, employment, and bank policies
- •EMI calculations use illustrative rates (3.89%–4.99%) for estimation purposes only
- •Complete the pre-approval form to get personalized quotes from multiple UAE banks
Trusted by UAE Homebuyers
Join thousands who found their dream home through our partner network
"Found excellent mortgage options through LeoCompare. Their partner advisors were professional and helped me secure a great rate."
"As an expat, I was worried about the process. LeoCompare's partners made it easy and got me pre-approved quickly."
"Being a non-resident, I thought getting a UAE mortgage would be difficult. The brokers connected through LeoCompare offered competitive rates and clear guidance."
Related Financing Solutions
Building on your own land? Our plot and land financing solutions provide specialized loans for purchasing vacant land and funding custom construction projects, offering flexible disbursement tied to build milestones and competitive rates for self-build developments.
Already purchased an off-plan property? Once construction is complete, consider our refinancing options to convert your construction loan to a standard mortgage with improved terms, lower interest rates, and the ability to release equity as your completed property appreciates in value.
If you're a self-employed professional or business owner investing in off-plan properties, we offer flexible documentation requirements and income verification processes that accommodate the unique financial profiles of entrepreneurs purchasing under-construction developments.
Off-Plan Property Loan FAQs
Information Sources: UAE Central Bank, Dubai Land Department, LeoCompare Market Analysis