Reimagining the path to homeownership
Flexible financing built around every stage of your Ellington property journey — from your first off-plan reservation to the keys in your hand.
Home financing at a glance
Three routes, designed to help you own the home you want.
Personal Loan
Finance your instalments before handover once 20% is paid.
02Off-Plan Mortgage
For projects past 20% construction with 50% paid.
03Ready Mortgage
For completed homes — the largest loan-to-value.
Who it's for
- Resident buyers
- Non-resident buyers
- UAE nationals
- Salaried & self-employed
- Conventional & Islamic structures
Why buyers choose it
- Swift digital pre-approval — an instant decision for eligible customers
- Pre-approval valid for up to 12 months
- Zero processing & approval fees for residents and UAE nationals
- No fee on partial / early settlement up to 30% of the balance each year
- Repayment tenure of up to 25 years
Personal Loan
For new sales & existing customers who have completed at least 20% of the down payment.
| Processing fees | NIL |
|---|---|
| Valuation fees | NIL |
| Partial / early settlement | No fee up to 30% of the outstanding balance annually |
| Financing type | Conventional & Islamic |
Works with your payment plan
Finances your instalments before handover under 50:50, 60:40 and 70:30 payment-plan structures.
Paid to the property, not to you
Funds are disbursed directly to the designated property account — they are not released as cash.
Roll into your mortgage later
On project completion, the outstanding balance can be folded into the Ready Mortgage with the final instalment — subject to the bank's approval, credit assessment and eligibility.
Off-Plan Mortgage
For projects with construction above 20% and 50% of the price paid.
| Feature | Detail |
|---|---|
| Rate — Excellency customers | 3.49% p.a. (residents & UAE nationals); non-residents assessed case by case |
| Rate — other customers | 3.75% p.a. (residents & UAE nationals); non-residents assessed case by case |
| Construction — primary sale | Minimum 20% complete |
| Construction — resale | Minimum 30% complete |
| Processing & valuation fees | NIL for residents & UAE nationals; non-residents case by case |
| Financing type | Conventional & Islamic |
Pricing is revised to the prevailing benchmark rates at final offer. Standard pricing may apply on resale transactions.
Ready Mortgage
For 100% completed projects — the highest loan-to-value of the three.
| Feature | Detail |
|---|---|
| Rate — Excellency customers | 3.49% p.a. (residents & UAE nationals); non-residents case by case |
| Rate — other customers | 3.75% p.a. (residents & UAE nationals); non-residents case by case |
| Processing & valuation fees | NIL for residents & UAE nationals; non-residents case by case |
| Partial / early settlement | No fee up to 30% of the outstanding balance annually |
| Financing type | Conventional & Islamic |
How much you can borrow
| Property value | Residents | UAE nationals |
|---|---|---|
| Up to AED 5 million | 80% | 85% |
| Above AED 5 million | 70% | 75% |
| Completed property — non-residents | Up to 60% | |
Eligibility & good to know
Salaried customers
Minimum 6 months with your current employer.
Self-employed customers
Minimum 2 years of business vintage.
Income assessment
Subject to bank policy and CBUAE regulations.
Pricing validity
This exclusive pricing is valid until 31 July 2026.
Rates, fees, policies and terms may be revised by the bank at its sole discretion and are subject to CBUAE norms. All financing is subject to customer assessment and final bank approval. Figures shown are indicative and do not constitute a financing offer.
Ready to find your Ellington home?
Explore Ellington's current projects, then talk to our advisors about the financing route that fits you.
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