Sobha Realty Partners with Emirates NBD for Home Financing
Sobha Realty and Emirates NBD Launch Integrated Mortgage Partnership
In April 2026, Emirates NBD and Sobha Realty announced a strategic partnership to provide integrated home financing solutions for buyers of off-plan residential developments across Dubai. Through the collaboration, Emirates NBD will offer tailored mortgage solutions to eligible customers purchasing units in Sobha's developments, enabling early-stage financing clarity, competitive rates, and a streamlined approval process.
Early Financing Access in Off-Plan Markets
The partnership addresses a significant shift in Dubai's property market. According to Dubai Land Department data, Dubai recorded over 270,000 real estate transactions valued at AED 917 billion in 2025, with off-plan properties accounting for more than 70% of residential transactions. In this environment, the partnership embeds structured mortgage solutions within Sobha's home-buying journey, allowing customers to benefit from early financial clarity and greater confidence when purchasing off-plan homes.
By offering pre-approval at the booking stage rather than later in the transaction, buyers gain clarity on affordability and liquidity planning throughout construction—a timeline that often spans multiple years.
Sobha's Scale and In-House Model
Sobha Realty is recognised for its Backward Integration model, where design, engineering, construction and quality control are managed in-house. With five decades of development expertise within the Group and thousands of homes currently under construction across Dubai, the company continues to focus on delivering luxury residential communities defined by craftsmanship, delivery certainty, and long-term value for homeowners and investors.
With over 48,000+ homes delivered, more than 50,000+ units under development, and an ever-growing global footprint across 7 countries, Sobha has earned its place among the world's top luxury developers.
Broader Market Strategy
The Sobha partnership is part of a wider shift by Emirates NBD. Within the same month, Dubai Holding Real Estate and Emirates NBD signed a Memorandum of Understanding to introduce integrated mortgage financing solutions for off-plan residential developments across Meraas, Nakheel and Dubai Properties. Two major off-plan mortgage Dubai partnerships in a single week from the UAE's largest bank by assets signals a deliberate product strategy to embed Emirates NBD financing at the beginning of the off-plan journey across multiple developer relationships.
Both initiatives align with Dubai's longer-term planning objectives. The partnership reinforces Dubai's long-term urban and economic ambitions, aligning with the objectives of the Dubai 2040 Urban Master Plan to enhance housing accessibility and support a resilient, well-regulated property market.