Off-Plan Property Financing

Off-Plan Property Financing — Structured Finance for Dubai's Under-Construction Market

Off-plan property purchases represent the dominant transaction type in Dubai's residential market, with major developers offering extended payment plans at attractive entry prices. But not all off-plan purchases are financed the same way — and choosing the wrong structure can expose you to cash-flow risk at handover.

Findirect advises buyers on the full off-plan financing landscape: developer payment plans, construction-linked bank finance, and post-handover mortgage conversion. We work with banks that have pre-approved financing arrangements with Dubai's leading developers, enabling faster approvals and better terms for buyers.

What We Arrange

• Construction-linked mortgage drawdown — funds released in stages tied to build milestones
• Post-handover mortgage conversion — converting developer payment plans to bank mortgages at completion
• Developer payment plan assessment — comparing DLD-registered payment schedules
• Pre-approval before signing SPAs to confirm financing eligibility
• Advisory on service charge escrow, DLD registration fees, and total cost modelling
• Coverage across Emaar, Meraas, Dubai Holding, Nakheel, Aldar, and other major developers