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Handover Payments

Finance your property handover: plan the mortgage before the handover date, while there is time for the bank's checks. We compare the banks on our panel.

Your property is ready, but the final payment is due. If you need funding for your handover payment, Mortgease compares the banks on our panel to look for a mortgage that fits your profile, for the move from developer handover to property ownership. Buying from a specific developer? See our guide to property developers in Dubai. We compare offers, manage the paperwork and coordinate with the bank and the developer, so you can start the mortgage process well before your handover date.

We help you with

  • Financing the final handover payment
  • Applying for the mortgage before handover
  • Coordination with developers and banks
  • Property valuation and documentation
  • Title deed registration support
  • Coordinating the bank's payment to the developer
  • A dedicated mortgage specialist
Handover date approaching? Starting early leaves time for approval and valuation before the developer's deadline. No Mortg Ease client brokerage fee.
Arrange my handover mortgage

Why arrange your mortgage before handover?

Applying before your handover date gives you time to:

  • Apply for pre-approval and arrange the valuation before the developer's payment deadline
  • Prepare the documents for registration
  • Avoid a last-minute rush

Buying off-plan with Aldar or another developer? See our project & handover financing hub and our snagging guide so your inspection and financing are sequenced correctly. Meraas home nearing handover? See our Meraas handover mortgage guide.

Our process

  1. Free consultation: we discuss your handover payment requirements.
  2. Compare bank offers: we compare the banks on our panel.
  3. Pre-approval: we apply for pre-approval and prepare the required documents.
  4. Property valuation: the bank completes the valuation and final assessment.
  5. Mortgage disbursement: the approved loan is normally paid to the developer at handover.
  6. Collect your keys: complete registration and move in.

Who can apply?

UAE residents and nationals, expatriate and non-resident buyers, salaried professionals and self-employed individuals, first-time buyers and property investors, subject to each bank's lending criteria. Non-resident buyer? We also help non-resident buyers apply from abroad.

Documents typically required

  • Passport copy
  • Emirates ID
  • Visa copy (for residents)
  • Salary certificate or income proof
  • Latest 6 months' bank statements
  • Property Sale & Purchase Agreement (SPA)
  • Developer payment schedule
  • Handover notice

Full document checklist by profile →  ·  Estimate your payment →  ·  How long it takes →

In Dubai, “zero down payment” advertising often refers to a developer payment plan. What that means, and what you still have to pay →

Handover financing FAQs

Why should I arrange my mortgage before handover?
Arranging the mortgage before your handover date leaves time for pre-approval, valuation and paperwork before the developer's payment deadline.
How is the payment made to the developer?
Once the loan is approved and the property is valued, the bank normally pays the developer at handover. You then complete registration and receive the title deed.
Who can apply?
UAE residents and nationals, expatriate and non-resident buyers, salaried and self-employed applicants, first-time buyers and investors, subject to each bank's criteria.
Is off-plan handover different from a ready purchase?
Yes. With off-plan you usually pay the developer in instalments under your payment plan, and a handover mortgage is normally drawn at handover for the balance. We plan it around the handover date in your developer's notice.