Under Construction / Off-Plan Mortgages
Off Plan Mortgage Dubai
Off Plan Mortgage Dubai from Hylux Mortgage finances developer projects and pre-launch properties, turning future assets into reality with staged payment support. Secure under-construction homes effortlessly pair with our Land Loan options for comprehensive investment. Competitive rates, expert approvals, and developer partnerships make your off-plan dreams achievable today.What is an Under Construction / Off-Plan Mortgage?
Off-plan mortgages fund properties under development or pre-sale, where buyers pay in milestones (10-20-30-40%) matched by bank financing. These cater to top developers like Nakheel, Emaar and Aldar, with completion risks mitigated by developer guarantees. Hylux Mortgage secures bank lines for off-plan buyers, covering from booking to handover over 2-5 year construction phases.Key Features and Benefits
Align payments with project progress.
- Financing up to 80% for expats and 85% for UAE nationals.
- Tenure post-handover: Up to 25 years from completion.
- Developer risk coverage via escrow and tripartite agreements.
Capture appreciation from Dubai's off-plan market averaging 15-30% on delivery.
Eligibility Criteria
Suited for forward-thinking buyers.
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- Valid UAE residency, golden visa, or investor status.
- Minimum salary AED 10,000+ or 3x milestone payments.
- Length of service in current company 6 months.
- For self employed minimum month net income 25,000.
- Full sales purchase agreement (SPA) and payment plan.
Hylux vets project viability upfront.
Simple Application Process
- Project shortlist and bank pre-approval.
- Submit SPA, passport, salary, and milestone schedule.
- Stage-wise disbursements with site inspections.
- Post-handover conversion to standard mortgage.
Why Hylux Mortgage?
- Off-plan specialists negotiating fee waivers and upgrades.
- Risk assessments on 100+ live projects annually.
- Handover support including defects liability management.
Book your off-plan dream start with a project consultation now.
