Abu Dhabi's new off-plan mortgage framework expected to support property market
Abu Dhabi 's new off-plan mortgage framework is expected to help buyers and developers by providing clarity on mortgages and boost investor confidence in the emirate's property market, according to analysts. The regulation allows a buyer who has already paid 50 per cent of the home's price to arrange a mortgage against their property during construction, rather than waiting until building is…
The UAE's new off-plan mortgage framework is set to bolster the property market by offering clarity to buyers and developers, and increasing investor confidence, according to analysts. The regulation enables a buyer who has already paid 50 percent of a home's price to secure a mortgage against their property during construction, rather than waiting until completion.
Adrec has been capable of registering mortgages against off-plan units since March 2026, engaging developers and financial institutions to implement the service. The move aims to make the property market less exclusive, enhance buyer confidence, and reduce transaction friction. Matthew Green, head of research at CBRE Middle East and North Africa, expects the market to evolve further, becoming more widely available.
The introduction of the new framework coincides with strong demand for off-plan properties, with off-plan transactions accounting for 89 percent of total residential sales in Abu Dhabi in the first half of the year.
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