What documents are needed for handover financing?

Typically: passport, Emirates ID, visa (for residents), salary certificate or income proof, 6 months' bank statements, the property Sale & Purchase Agreement (SPA), the developer payment schedule, and the handover notice.

Handover Payments

Q: Why should I arrange my mortgage before handover?

Arranging the mortgage before your handover date helps you avoid delays in receiving your keys, meet the developer's payment deadline, complete registration on time, and avoid last-minute financial stress. We aim to have your approval ready before handover.

Q: How is the handover payment paid to the developer?

Once the mortgage is approved and the property is valued, the bank disburses the loan directly to the developer at handover. You then complete registration and receive the title deed.

Finance your property handover with ease — your mortgage approved before the handover date and disbursed straight to the developer, across all the UAE banks.

Your property is ready, but the final payment is due. If you need funding for your handover payment, Mortgease helps you secure the right mortgage from all the leading UAE banks — ensuring a smooth transition from developer handover to property ownership. We compare offers, manage the paperwork, and coordinate with all parties so your mortgage is ready before your handover date.

We help you with

Financing the final handover payment
Mortgage approval before handover
Coordination with developers and banks
Property valuation and documentation
Title deed registration support
Mortgage disbursement directly to the developer
Fast processing with a dedicated mortgage specialist

Handover date approaching? Start now so your financing lands before the developer's deadline — free, commission-free.

Arrange my handover mortgage

Why arrange your mortgage before handover?

Applying before your handover date helps you:

Avoid delays in receiving your keys
Meet the developer's payment deadline
Complete registration on time
Reduce last-minute financial stress
Ensure a seamless handover process

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.

Our process

Free consultation — we discuss your handover payment requirements.
Compare bank offers — across all the leading UAE banks.
Secure pre-approval — and prepare all required documentation.
Property valuation — the bank completes the valuation and final assessment.
Mortgage disbursement — the approved loan is released to the developer at handover.
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 arrange handover financing from abroad too.

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 →

Handover financing FAQs

Why should I arrange my mortgage before handover?

To avoid delays getting your keys, meet the developer's payment deadline, complete registration on time and avoid last-minute stress. We aim to have your approval ready before handover.

How is the payment made to the developer?

Once approved and valued, the bank disburses the loan directly to 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 — for off-plan you pay the developer on the construction-linked plan, and the mortgage is drawn near handover for the balance. We time it around the developer's completion date.