Explore the possibilities of owning a property that is still being built. We plan your finance around the developer's schedule, so the mortgage is ready when handover arrives.
Mortgage solutions
An example 20/30/50 plan. The mortgage covers the balance at handover, capped at 50% of the value while the property is under construction.
Paid when you sign. The 4% DLD fee is due at Oqood registration.
Paid into escrow as the developer reaches milestones.
The balance, settled with your mortgage when the keys are ready.
Buying off-plan brings opportunities and challenges that ready property does not. Our consultants understand both and guide you through financing a home that is still under construction.
Whether you are investing in a new development or buying a single off-plan unit, we help you explore financing options and negotiate favourable terms, so your future home is funded when it matters.
First-time buyer or experienced investor, you get expert advice and a solution tailored to your objectives. Because Rynix sells off-plan projects, we already know which developers and buildings banks approve.
Speak to a mortgage advisorFinance mapped to the developer's instalments and handover date.
Updates and planning from booking all the way to keys.
Valuation gaps and delays planned for in advance.
Lenders that already approved your project, compared on price.
Banks lend on the lower of price and valuation. We review recent sales in your project early, so any shortfall is budgeted.
Pre-approvals expire after 60 to 90 days. We time applications to the real completion date, not the brochure date.
Not every bank finances every developer. We confirm lender approval for your building before you rely on it.
We map your instalments and work out how much finance you need, and when.
We confirm which banks have approved your developer and project.
Secured 3 to 6 months ahead of handover, so the final payment is never at risk.
We coordinate the bank valuation and the developer's mortgage NOC.
The bank settles the balance with the developer and the mortgage is registered.
Enter the purchase price and how much you will have paid by completion to see the monthly repayment on the balance.
Criteria vary between lenders. We check your profile against each bank before you apply.
Yes, although fewer banks lend during construction. Central Bank rules cap off-plan financing at 50% of the value, and banks only lend on projects and developers they have approved.
Start 3 to 6 months before handover, or at booking if your plan relies on finance earlier. Pre-approvals last 60 to 90 days, so we time them to the developer's schedule.
The bank lends against the lower of the two, so a shortfall has to be covered in cash. We look at recent transactions in your project early so you can plan for it.
Often yes. Many buyers use a mortgage at handover to settle the balance instead of paying the developer's instalments. We compare the total cost of both routes.
No. The 4% transfer fee is paid when the SPA is registered (Oqood). At handover you pay mortgage registration and the bank's own fees.
Tell us a little about your plans and our team will get back to you.
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