Dubai off-plan buyers to access mortgages earlier under new deal
Dubai Holding Real Estate will integrate Emirates NBD’s mortgage solutions across its portfolio, offering buyers greater liquidity planning throughout the construction lifecycle
20 April, 2026
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Dubai Holding Real Estate has partnered with Emirates NBD to introduce integrated mortgage financing solutions for off-plan residential developments across Meraas, Nakheel and Dubai Properties.
The agreement marks a shift in Dubai’s off-plan property market, enabling buyers to access mortgage financing at the early stages of purchase, rather than relying solely on developer-led payment plans.
Early-stage financing integrated into buyer journey
Under the partnership, eligible customers can secure mortgage pre-approval during the off-plan stage, providing clarity on affordability, competitive rates and long-term financial planning from booking through to project handover.
The initiative will be available to both UAE residents and non-residents, subject to approval, and is designed to streamline the homebuying process while reducing uncertainty for buyers.
By embedding financing directly into the sales process, the collaboration aims to improve transparency and support more structured decision-making among buyers, while reinforcing responsible lending practices across the real estate sector.
Dubai Holding Real Estate will integrate Emirates NBD’s mortgage solutions across its portfolio, offering buyers greater liquidity planning throughout the construction lifecycle.

The move aligns with broader policy objectives under the Dubai 2040 Urban Master Plan, which focuses on enhancing housing accessibility and building a resilient, well-regulated property market.
Khalid Al Malik, chief executive officer of Dubai Holding Real Estate, said: “Dubai’s real estate market continues to evolve as a global benchmark for growth and investment. In partnership with Emirates NBD, we are enhancing the way off-plan homes are purchased by embedding structured mortgage solutions directly into the customer journey. This creates a more structured and predictable pathway for buyers throughout the development lifecycle.”
Marwan Hadi, group head of Retail Banking and Wealth Management at Emirates NBD, added: “We are pleased to partner with Dubai Holding Real Estate to advance how off-plan homes are financed in Dubai. By introducing structured mortgage solutions earlier in the homebuying journey, we are giving customers greater financial clarity and confidence at the point of decision. This initiative reflects our commitment to enabling sustainable homeownership, while strengthening transparency and responsible lending across the UAE’s real estate market.”
The partnership comes amid sustained momentum in Dubai’s property market. According to Dubai Land Department, the emirate recorded more than 270,000 real estate transactions valued at Dhs917bn in 2025, with off-plan properties accounting for over 70 per cent of residential activity.
The introduction of early-stage mortgage solutions is expected to further strengthen market confidence and support continued demand for high-quality developments.
























