Your property is almost ready. Is your financing?
Your developer’s final payment can arrive quickly once completion approaches. Miracle Keys helps you understand the amount you need to finance, the mortgage options available to your profile and what needs to happen before handover.
UAE residents & eligible non-residents · Multiple lenders · No advisory fee
Handover shouldn’t be the moment you start arranging finance.
Your property may have been purchased months or years ago. But the mortgage decision often becomes real only when the developer confirms completion and the final payment becomes due. Starting earlier gives you more time to understand eligibility, prepare documentation, complete valuation and coordinate the lender with the developer.
- Step 1
Property purchased
- Step 2
Construction
- Step 3
Completion approaching
- Start here
Start financing here
- Step 5
Valuation
- Step 6
Final offer
- Step 7
Developer payment
- Step 8
Handover
First, understand the gap.
You may not need to finance the entire property value. The important number at handover is the amount still due to the developer — and how that amount fits within your lender eligibility, property valuation and available cash.
The full purchase price
Deposits & instalments to date
The developer’s final payment
The amount still due — assessed against eligibility, valuation and cash.
Assess my handoverWhere are you now?
Your handover has a date. Your mortgage has a process.
Some steps depend on the lender, the property and the developer. That’s why the safest strategy is not to assume financing can be arranged at the final moment.
Plan my timeline- 01Eligibility
- 02Documents
- 03Valuation
- 04Approval + payment
A short, reassuring process
- Step 1
Review
We understand the property, developer, amount already paid and expected handover.
- Step 2
Assess
We identify financing routes relevant to your residency, income and property.
- Step 3
Prepare
We help organise lender documentation and coordinate the valuation process.
- Step 4
Complete
We work through final approval and coordination toward the developer payment and handover.
Documents you may need
- Passport
- Emirates ID
- Residence visa where applicable
- Salary certificate
- Bank statements
- Lender-specific documents
These may include the above; exact requirements vary by lender, property and profile.
Property documents
- ·Sale & Purchase Agreement
- ·Developer statement / payment schedule
- ·Completion or handover notice
- ·Relevant property documents
- ·Additional lender requirements
Already received your handover notice?
Send us the developer payment schedule. We’ll start by understanding how much remains, when it is due, what you have already paid and your residency / income profile.
WhatsApp an adviserFree initial review · No obligation
Frequently asked questions
What is handover payment finance?+
It is mortgage financing used to help fund the amount still due to the developer when an off-plan property reaches completion or handover, subject to lender and property eligibility.
When should I start arranging it?+
Before the final payment becomes urgent. Starting earlier creates more time for eligibility review, documents, valuation and lender processing.
Can the final developer payment be mortgaged?+
Potentially, depending on the property, developer, amount due, your financial profile and lender criteria.
Do I need a completion notice first?+
Not necessarily to start the conversation. You can review your likely route before the final notice arrives, then update the case as completion becomes clearer.
Can non-residents use handover finance?+
Eligible non-residents may have financing options, but documentation and lender criteria can differ from resident cases.
Does the property need a valuation?+
A lender will commonly require a valuation as part of the mortgage process. The exact requirement depends on the lender and property.
What if my handover is approaching quickly?+
Share the developer notice, payment schedule and your profile as early as possible so the available route and realistic timing can be assessed.
Don’t wait for the final payment to become the problem.
Tell us where the property stands today and we’ll assess the realistic route and timing before the developer’s deadline.