Dubai Holding Real Estate and Emirates NBD have signed a memorandum of understanding to offer integrated home financing solutions for off-plan residential projects by Meraas, Nakheel, and Dubai Properties, in a move that aims to improve the home-buying experience and support the continued growth of Dubai’s real estate market.

The partnership marks an important step in the way off-plan homes are purchased in Dubai. Eligible buyers will be able to access tailored mortgage solutions from the early stages of their purchase, giving them greater clarity around affordability, more competitive pricing, and a smoother path from booking through to handover.

Available to both UAE residents and non-residents, and subject to the necessary regulatory approvals, the initiative is designed to increase transparency and reduce uncertainty for buyers. At the same time, it supports responsible and sustainable growth across Dubai’s property sector.

Through this collaboration, Dubai Holding Real Estate is moving beyond traditional developer payment plans by integrating mortgage offers from Emirates NBD directly into the customer journey across a selection of its residential developments. Buyers who receive initial mortgage approval for off-plan homes are expected to benefit from improved financial stability and better cash flow management throughout the construction period.

The new partnership also aligns with Dubai’s long-term urban and economic ambitions, particularly the goals of the Dubai 2040 Urban Master Plan, which focuses on improving access to housing and building a well-regulated, resilient real estate market.

Commenting on the announcement, Khalid Al Malik, Chief Executive Officer of Dubai Holding Real Estate, said Dubai’s property market continues to evolve as a global benchmark for growth and investment. He noted that the collaboration with Emirates NBD is intended to improve the off-plan home-buying process by embedding structured mortgage solutions directly into the customer experience, helping create a more predictable and organised journey for buyers throughout the development cycle.

For his part, Marwan Hadi, Group Head of Retail Banking and Wealth Management at Emirates NBD, said the bank is pleased to work with Dubai Holding Real Estate to help shape a more structured approach to financing off-plan homes in Dubai. He added that offering organised mortgage solutions from the beginning of the purchase journey gives customers more financial clarity and confidence when making a buying decision, while also reflecting the bank’s commitment to sustainable home ownership, transparency, and responsible lending in the UAE property market.

The timing of the initiative is also notable. Dubai recorded more than 270,000 real estate transactions in 2025, with a total value of AED 917 billion, while off-plan properties accounted for more than 70 percent of all residential transactions, according to data from the Dubai Land Department. These figures underline the continued momentum of the market and the growing demand for financing solutions that offer buyers greater confidence and structure.

The partnership is expected to strengthen market confidence further and support rising demand for high-quality residential developments across the emirate. As more buyers look for financing options that provide stability and visibility from the outset, integrated solutions such as these are becoming increasingly relevant in shaping the next phase of Dubai’s property sector.

With this move, Dubai Holding Real Estate and Emirates NBD are reinforcing a more connected model for the housing market, one that brings developers and financial institutions closer together in a way that benefits buyers and supports the long-term sustainability of the sector. It also reflects Dubai’s wider commitment to creating a mature and forward-looking real estate environment built on trust, access, and steady growth.