Construction & land financing
From your land to your future home.
Construction finance is released in stages as your build progresses. Getting the plans, budget and contractor documents right early keeps each stage moving.
Staged funding
Is it right for you?
Who it suits
Landowners ready to build
You own a plot and want to finance building your home.
UAE nationals building a family home
Including owners using or considering a housing programme alongside bank finance.
Owners extending a property
Subject to lender policy on the type of works.
Step by step
How the financing works
- 01
Land and plans
We confirm the land’s status and ownership, and review approved plans and permits.
- 02
Contractor and budget
Lenders assess the contractor agreement and a detailed construction budget.
- 03
Staged funding
Funds are released in stages against progress, rather than as a single payment.
- 04
Inspections and completion
Each stage is typically checked before the next release, through to completion.
Buying land rather than building?
Land-purchase finance has different requirements from construction finance, and fewer lenders offer it. Tell us about the plot and we’ll check the options separately.
Before you apply
What to prepare
What lenders look at, what it costs, and the documents you’ll usually need.
What lenders consider
- Land ownership and status
- Approved plans and building permits
- The contractor, contract and construction budget
- Your income, commitments and credit history
- Your contribution to the build costs
Costs to plan for
- Your contribution to the construction budget
- Valuation and inspection fees at each stage
- Lender arrangement fee
- Mortgage registration fee
- Insurance during and after construction
Documents
- Title deed or land ownership documents
- Approved drawings and building permit
- Contractor agreement, bill of quantities and schedule
- Passport, visa or Emirates ID, and income documents
Exact requirements vary by lender.
Our role
How Retention helps
Get the file right first time
We help you assemble plans, permits and contractor documents lenders expect.
Plan the stages
We align the funding schedule with your contractor’s programme.
Stay with you through the build
We coordinate between lender, contractor and you at each release.
Your advisors
Talk it through with the people who’ll handle it.
A Retention advisor guides you from the first comparison through to completion — and is there when you need a review.
No. It’s usually released in stages as the build progresses, often after inspections.
Land purchase is a separate route with different requirements. Ask us and we’ll check the options.
Some housing programmes have their own rules, but eligibility isn’t automatic. We’ll help you understand how a programme and bank finance might work together.
From your land to your future home.
Tell us what you’re planning. An advisor will help you understand the next step.