Off-plan villa financing: how to underwrite The Acres correctly

The Acres is the smartest current entry point into prime Dubai villa ownership for buyers who can absorb a phased payment plan. Twenty UAE lenders are actively underwriting the project, and handover refinancing is now a well-trodden path.

How the financing actually works

Buyers fund the construction milestones from cash or a personal facility, then refinance at handover into a conventional villa mortgage. With 80% LTV achievable on completion for residents, this structure dramatically reduces upfront cash requirements over the life of the project.

Common structuring pitfalls

• Assuming handover LTV without modelling income at completion.
• Using personal debt to fund milestones without a refinancing plan.
• Ignoring service charges in debt service calculations.