Abu Dhabi Commercial Bank Launches Off-Plan Mortgage Solution to Simplify Home Financing in the UAE
Monday, 4 May 2026
Abu Dhabi Commercial Bank (ADCB) has introduced an innovative off-plan mortgage scheme designed to make property financing more accessible and seamless for buyers. The initiative supports the UAE’s growing off-plan market by enabling early-stage financing and enhancing confidence among investors and homeowners.
Key Highlights
- New off-plan mortgage solution allows buyers to secure up to 50% financing at the pre-approval stage
- Pre-approval validity of up to 12 months, with easy annual renewals until project completion
- Smooth transition into a full mortgage upon handover, ensuring continuity in financing
- Competitive interest rates starting from 3.49% per annum (fixed for 3 years)
- Available for properties developed by leading UAE developers
- Limited-time offer includes waiver of processing and property valuation fees
- Supports the growing dominance of off-plan transactions across the UAE real estate market
- Enhances buyer confidence during early stages of property investment
- Reduces uncertainty around construction-linked payment milestones
- Ideal for first-time buyers, investors, and long-term homeowners
- Reflects rising demand driven by population growth and investor inflows
- Strengthens the connection between banking and real estate sectors
- Enables digital application process, including SMS-based mortgage pre-approval
- Offers both conventional and Islamic home financing options
- Supports the UAE’s vision of a robust and accessible property market
- Reinforces the role of Abu Dhabi Commercial Bank in driving financial innovation
