Abu Dhabi's real estate sector has entered a new phase of accessibility and growth with the introduction of a groundbreaking mortgage update that allows homebuyers to borrow up to 75% of an off‑plan property's value. This shift marks one of the most significant enhancements to buyer affordability in recent years, reshaping how residents and investors approach off‑plan purchases in the capital. As demand for master‑planned communities continues to rise, the new financing model is expected to accelerate sales, strengthen market confidence, and attract a broader segment of buyers who previously found off‑plan ownership financially challenging.

The updated framework enables banks to offer higher loan‑to‑value (LTV) ratios for off‑plan homes, reducing the upfront cash burden on buyers. Traditionally, off‑plan purchases required substantial initial payments, often limiting access to high‑quality developments. With the new 75% mortgage allowance, buyers can secure homes with just a 25% contribution, making premium communities more attainable for end‑users and more profitable for investors seeking leveraged opportunities. Banks will release funds to developers based on construction milestones, ensuring a secure and regulated process that protects both lenders and buyers throughout the build cycle.

This enhanced financing option applies to approved off‑plan projects that meet Abu Dhabi's regulatory standards, including escrow compliance, construction progress, and developer financial stability. Buyers must still meet standard eligibility criteria such as income requirements, creditworthiness, and debt‑burden ratio limits, but the new policy is designed to widen access, especially for first‑time buyers and long‑term residents. By lowering barriers to entry, Abu Dhabi aims to support sustainable population growth and strengthen its position as one of the region's most attractive real estate markets.

The introduction of 75% off‑plan financing aligns with Abu Dhabi's broader strategy to stimulate residential demand and enhance competitiveness. As the emirate experiences rising interest from both local and international investors, flexible financing options are becoming essential to maintaining momentum. The policy also mirrors the UAE's nationwide trend toward more accessible homeownership pathways, following similar initiatives in Dubai's off‑plan segment. With lower upfront costs and improved affordability, the new mortgage rule is expected to boost off‑plan transactions throughout 2026, particularly in emerging communities and large‑scale master developments.

For buyers, the benefits are clear: reduced initial payments, easier access to high‑quality homes, and more manageable financial planning during construction. For investors, the ability to leverage higher financing enhances portfolio diversification and improves long‑term yield potential. Developers stand to gain from stronger demand, faster absorption rates, and improved liquidity, while banks benefit from a structured, milestone‑based lending environment that minimizes risk. Overall, the new 75% off‑plan mortgage rule represents a major step forward for Abu Dhabi's property market, reinforcing confidence and supporting the emirate's long‑term vision for sustainable urban growth.