Can you get a mortgage on an off-plan property in Dubai?

It's possible but limited. Most banks won't finance an off-plan unit until construction is well advanced or at handover, and off-plan lending is capped at 50% loan-to-value. During construction you usually follow the developer's milestone payment plan, then arrange a mortgage at handover to cover the balance. Not all projects or developers are bank-approved, so confirm eligibility first.