Most buyers choose off-plan for the price. Smart ones structure the finance first.
Off-plan financing is more complex than a standard mortgage — and most buyers don't find out until they're at a developer's sales desk. Equifirst structures your off-plan finance before you commit to any purchase.
60% paid across booking and build. The 40% handover balance is typically financed via mortgage — without pre-approved finance, you risk losing your deposit.
Off-plan is a wealth strategy. Not just a purchase.
Buying before completion is a leveraged bet on Dubai's growth. You commit a fraction of the price upfront and capture appreciation across the build period — often two to four years.
But the structure matters as much as the asset. The wrong payment plan, the wrong developer-bank pairing, or the wrong mortgage timing can erase the strategy entirely.
Equifirst structures the finance side before you sign — so the strategy actually compounds rather than unravels at handover.
- 📈Buy Below Market ValueOff-plan pricing is typically 10–25% below comparable completed property in the same area.
- 💰Lower Capital RequiredMost plans need 10–20% upfront. Your capital stays deployable elsewhere during the build.
- 🏗️Staged Payment PlansConstruction-linked or time-linked schedules — match the plan to your cash flow.
- 🌍Post-Handover Plans AvailableSelected developers extend payment plans 2–5 years past handover — useful for non-residents.
Off-plan risks are real. But entirely manageable.
Mortgage Rejection at Handover
Your bank pulls out 30 days before keys. Deposit and instalments at risk.
Pre-approval secured 90+ days early. Multiple lender options ready.
Changed Financial Profile
Three years between booking and handover. Income, employer or visa shifts.
Re-packaged across 17+ lenders to find one fitting your new profile.
Wrong Lender for Property
Not every bank finances every developer or every tower.
Tower-by-tower lender mapping done before you commit to the unit.
Completion Cost Shortfall
Valuation comes in below purchase price. Bank lends less than expected.
Conservative LTV modelling done at booking. No surprises at the end.
Accepting the First Offer
Buyers take whichever bank approves first. Terms quietly favour the lender.
Full structure compared — fixed window, settlement penalty, valuation policy.
Non-Resident Complexity
Most local banks won't lend to non-residents on off-plan. Many learn too late.
Selected international and non-resident-friendly lenders identified upfront.
From booking to keys — structured precisely.
Pre-Qualification
Income, residency and eligibility mapped before you commit.
Developer Check
Tower-specific lender approvals confirmed.
Finance Plan
Payment schedule and mortgage timing aligned.
Pre-Approval
Locked in 90+ days before handover.
Keys in Hand
Disbursement triggered, registration completed.
Three residency profiles. One transparent table.
No commission to you, no hidden bank fees, no surprises at handover.
| Requirement | UAE Nationals | Expat Residents | Non-Residents |
|---|---|---|---|
| Min Salary | AED 15,000 | AED 15,000 | USD 5,000 equiv. |
| Min Down Payment | 15% | 20% | 30% |
| Max Tenor | 25 years | 25 years | 20 years |
| Employment | Salaried / Self-employed | Salaried / Self-employed | Documented income |
| Broker Fee · AED 0 — Equifirst is paid by the lender, never by you | |||
Let's see what your off-plan finance looks like.
Off-plan structured. Keys collected.
“Isak went above and beyond to help me get my mortgage approved with my current bank. It would have been impossible without his great relationship with them and his persistence. He's professional and truly supportive. Highly recommend him!”
“I had an exceptional service from Sarah Nanakalei. She made the deal seem effortless from start to finish, assisted me with all my inquiries and very prompt with her responses. I highly recommend Sarah if you are looking for a mortgage.”
“Highly recommend using this company for your mortgage advisory needs. Manan was very professional and supportive throughout the journey and we managed to finalize the process fairly quickly with the bank.”
Structure your finance before you sign anything.
A 30-minute strategy session covers eligibility, lender mapping for your developer, and the exact structure that fits your profile.