Gardenia Bay

Studios and 1 to 3-bedroom waterfront apartments by Aldar on Yas Island, Abu Dhabi — and how to finance one.

Starting price

AED 805,000

Bedrooms

Studio – 3 BR

Handover

Q2 2027

Developer

Aldar off-plan

Gardenia Bay is a waterfront residential community by Aldar on Yas Island — an eco-conscious, amenity-rich development of studios and 1 to 3-bedroom apartments with a private beach, pools and green, walkable surroundings. With prices from around AED 805,000 and a 50/50 payment plan handing over in Q2 2027, it's one of Yas Island's most popular off-plan launches — and an easy one to finance the smart way.

Handover financing · indicative

from ~3.99% p.a.

When Gardenia Bay hands over, you'll need a mortgage for the balance. We secure your best rate across 15+ UAE banks — free.

Property value AED 1,000,000

Down payment 20% · AED 200,000

Loan term 25 years

Interest rate 4.15% p.a.

Indicative — we confirm your real rate and the latest Aldar payment plan for your unit, free.

Estimated mortgage payment at handover

AED 4,289/mo

Loan AED 800,000

About Gardenia Bay

Designed around sustainable, resort-style living, Gardenia Bay offers furnished waterfront residences with access to a private beach, swimming pools, co-working spaces, a gym and landscaped parks. It's positioned for both end-users and investors drawn to Yas Island's lifestyle and rental demand. The key question for most buyers is simple: how do I finance it, and what happens at the 50% handover payment?

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How we work — independent financing, Aldar expertise

Mortgease is an independent mortgage broker. We arrange your home loan across 15+ UAE banks to secure the sharpest rate — commission-free to you — for Gardenia Bay or any property, from any developer. We're also an authorized Aldar partner, so for Aldar homes we can help you reserve the unit and guide you through to your handover mortgage.

Homes at Gardenia Bay

Type	Bedrooms	Notes
Apartment	Studio	Compact waterfront studios
Apartment	1 bedroom	One-bed apartments
Apartment	2 bedrooms	Two-bed apartments
Apartment	3 bedrooms	Larger family apartments

Prices from AED 805,000. Exact unit pricing, sizes and availability change with each release — ask us for the current list.

Amenities

Private beach
Swimming pools
Gym
Co-working spaces
Yoga & wellness
Cafes & dining
Kids' play area
Sports courts
Landscaped parks
Retail

Location

Gardenia Bay sits on the Yas Island waterfront, minutes from Yas Mall, Ferrari World, SeaWorld, Warner Bros. World, Yas Marina and championship golf — with Abu Dhabi International Airport a short drive away.

Payment plan & handover financing

Gardenia Bay follows a 50/50 payment plan — 50% across construction and the remaining 50% due at handover (Q2 2027). That handover half is exactly where most buyers need a mortgage. We confirm the current Aldar plan for your unit and arrange your handover mortgage across 15+ banks, so the final payment is sorted well before keys.

Frequently asked questions

Can I get a mortgage on Gardenia Bay?

Yes. UAE banks finance off-plan and completed Aldar homes. As the project nears its Q2 2027 handover you can secure a mortgage for the balance — typically a large share of the value. We compare 15+ banks to get you the sharpest rate.

What is the payment plan and handover?

Gardenia Bay is on a 50/50 plan handing over around Q2 2027 — 50% through construction and 50% at handover. We confirm the latest plan for your specific unit directly with Aldar.

How much deposit do I need?

Off-plan purchases start with a booking deposit then staged instalments; the larger handover portion is usually where a mortgage comes in. We'll map your cash flow from booking to handover.

Do you only deal with Aldar properties?

No. Mortgease is an independent mortgage broker — we arrange financing across 15+ UAE banks for any property, from any developer. We also happen to be an authorized Aldar partner, so for Aldar homes we can help with the unit itself too.

Mortgage calculator → · Check your eligibility → · More Aldar projects →