Property investment Updated 04.06.2026

Emirates NBD launches early mortgage access for off-plan Dubai Holding properties

2 min read

The Dubai property market is currently experiencing a positive momentum, capturing the attention of global investors and industry experts alike. As a result, it is completely changing the game for local developments.

To put into perspective, the Dubai Land Department recently closed over 270,000 property deals worth a staggering AED 917 billion in 2025. And the most interesting part, over 70% of those buyers went with off-plan properties, showing just how much trust people have in Dubai's future pipeline.

​But let's be realistic, until now, the Dubai buying process for off-plan homes has come with a major headache. You sign up for a developer's payment plan and essentially cross your fingers for years. just hoping you'd still qualify for a Dubai mortgage by the time the building was finally completed. It was a big financial gamble! And fortunately, that's all going to change!

A total game-changer for Dubai financing

Business office of Dubai

In a massive win for buyers, Emirates NBD and Dubai Holding have teamed up to fix this exact problem. Instead of worrying about shifting interest rates during construction, you can now lock in your Dubai mortgage early on.

This big update covers major developers under Dubai Holding, including Emaar, Nakheel, Meraas and Dubai properties. Securing early mortgage approval means buyers can better plan their long term cash flow and finances, whether buying a luxury Palm Jebel Ali villa or a charming City Walk apartment.

How do you qualify, and what are the milestones?

Meeting in Dubai office

This new setup completely gets rid of that last-minute stress right before handover. Instead, Emirates NBD will look at your mortgage application as soon as you hit two major milestones:

  • ​You've paid 50% of the property value through your developer payment plan.
  • The building itself is 30% completed​

Meeting these two criteria allows you to secure your finances rightly. This offers complete peace of mind throughout the development phase, eliminating financial uncertainty well before your property is completed and the keys are delivered.

The big benefit: Why this matters to you

Whether you live right here in the UAE or you're an international investor, this new setup is a massive win. Here is how:

  • ​​You don't have to spend two or three years stressing about whether bank rules will change before handover. You know exactly where your budget stands from day one.
  • ​Knowing exactly when the bank will step in means you can plan your personal savings and other investments with utmost confidence.
  • ​It opens the doors for buyers who love the lower prices but want the safety and security of a major bank backing them up early on.

Let's secure your piece of Dubai

This big move fits perfectly with Dubai's plans to make buying a home safer and easier for everyone. Navigating Dubai financing can still feel overwhelming, but you don't have to take the load alone. At Benham and Reeves, we provide expert advisory services and connect you with top mortgage brokers to secure the absolute best rates effortlessly.​

Reach out to our team today for personalised financing advice.

Leanne Ruscoe
About the Author
Leanne Ruscoe - Head of Middle East & Africa
Leanne is the Head of Middle East & Africa, specializing in UAE residential property with a strong foundation in financial services. She advises international clients on strategic property acquisitions, helping them secure homes across the UAE. Based in Dubai, Leanne works closely with global investors on long-term wealth growth and portfolio diversification through property.

by Leanne Ruscoe

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