Ellington Properties payment plans, explained

Post-handover plans are essentially absent from Ellington's playbook - brokers explicitly market "no post-handover installments" - and no DLD-waiver promotions were found for 2025-2026; buyers pay the 4% DLD plus an AED 3,150 admin/Oqood fee on top of the 20% booking amount (RAK projects instead charge an AED 3,000 registration fee at booking with the 4% registration due at completion). Payments and statements live in the Ellington Properties customer app (iOS/Android) and the pay.ellingtonproperties.ae online payment portal, which handle EOI payments, installments, SOAs, title deeds, and proof-of-payment uploads. Launches are EOI-driven (typically AED 20,000-50,000, credited to the down payment), and resale before handover requires 30% paid on standard projects or 50% plus the next scheduled installment on premium ones (Ocean House, Art Bay, Claydon House), with an AED 5,250 NOC fee.

70/30 (20% booking / 50% construction / 30% handover): Ellington's standard plan on nearly all 2024-2026 Dubai launches. 20% on booking (plus 4% DLD + AED 3,150 admin fee), then typically 10% at 90 days and 10% at 180 days from booking, followed by 5% installments at construction milestones (20%, 30%, 40%, 50%+ completion) to reach 70% before completion; final 30% on handover. No post-handover component. Costa Mare (RAK) uses the same cadence with six 5% milestone payments (20%-70% construction) per Ellington's own microsite. Recent examples: Belgrove Residences, MBR City (launched Feb 2025, handover Q3 2027); Ellington Cove & Cove II, Dubai Islands (2024-2025 launches, handover Q2 2028); Mercer House, Uptown Dubai (launched Jan 2024, handover Q3 2027).

60/40 (20% booking / 40% construction / 40% handover): Used on ultra-premium villa collections and some Ras Al Khaimah beachfront towers. 20% on booking, then fixed-date and milestone installments to 60% pre-completion, with a heavier 40% due at handover. Playa Del Sol's published schedule: 20% booking, 10% at 90 days, 10% at 180 days, 5% each at 20/30/40/50% construction, 40% on handover. Recent examples: The Waterside Villas at The Sanctuary, District 11 MBR City (from AED 17M, handover Q4 2025); Playa Del Sol, Al Marjan Island RAK (handover Q4 2027).

50/50 (50% construction / 50% completion): Ellington's own FAQ states the developer 'typically offers 50% payment during construction and 50% on completion,' with milestones varying per project - so a 50/50 split exists on some launches even though most current Dubai marketing shows 70/30. Broker data shows Ellington Views I in RAK on a 50/50 plan. Recent examples: Ellington Views I, Al Hamra Village RAK (handover Q3 2027).

Post-handover plan (rare, unverified): A small number of broker listings claim a Playa Del Sol variant with 20% booking, ~15% during construction, then 1% monthly for 5 years post-handover - but the project's dedicated payment-plan page shows a plain 60/40 with no post-handover installments, and Ellington's Dubai projects are consistently marketed with 'no post-handover installments.' Treat post-handover terms as NOT part of Ellington's normal offer unless confirmed in the SPA for a specific unit. Recent examples: Playa Del Sol, Al Marjan Island RAK (claimed variant, 2025 broker listings).

Buyer portal: the Ellington Properties customer app plus pay.ellingtonproperties.ae handle payments and SOAs. The official Ellington Properties app (iOS App Store id6745548457; Google Play com.ellington.app) lets owners pay EOI, installments and other fees, view upcoming/completed payments and dues in real time, download SOA (Statement of Account), title deeds and contracts, and submit proof of payment. Card/online payments also run through the developer's payment portal at pay.ellingtonproperties.ae.

Booking-day cost in Dubai: 20% down payment + 4% DLD + AED 3,150 admin/registration fee. Multiple current Ellington project pages (Portside Square, The Highgrove and others) show the same booking package: 20% of purchase price, 4% DLD fee, and an AED 3,150 administrative/Oqood registration fee due on booking. The 4% DLD is paid by the buyer up front - no DLD-waiver promotions by Ellington were found in 2025-2026 searches (unlike e.g. DAMAC's Ramadan DLD-waiver campaigns).

RAK projects: AED 3,000 registration fee at booking; 4% government registration due at completion. Ellington's own Costa Mare microsite (Al Marjan Island, RAK) lists '20% at the time of booking + AED 3,000 RERA registration fee' and '4% upon completion' for title-deed registration - i.e., in Ras Al Khaimah the 4% is collected at handover rather than at booking as in Dubai.

Launches are EOI-driven: typically AED 20,000-50,000, credited to the down payment. Ellington launches allocate units to Expression of Interest holders first (private sales events or online unit selection). EOI deposits in Dubai typically run AED 20,000-50,000 and are credited toward the down payment or refunded if no unit is taken; Costa Mare's published booking flow used an initial AED 50,000 payment via Ellington's secure payment link, with the balance of the 20% payable by bank transfer, cash, or credit card.

Resale before handover requires 30% paid (50% + next installment on premium projects); NOC fee AED 5,250. Per Ellington's own FAQ: standard projects require a minimum 30% of the purchase price paid before an NOC for resale is issued; premium projects - Ocean House, Art Bay, and Claydon House - require a minimum 50% paid plus the next scheduled advance payment. The NOC & SPA transfer fee is AED 5,250, and reissuing a lost SPA also costs AED 5,250.

Late payment: 30-day cure notice, then action under the SPA and Dubai property law. Ellington's FAQ states buyers must pay per the SPA schedule; delay or non-payment results in penalties, with Ellington providing 30 days' notice to pay defaulted amounts before reserving the right to take further action in accordance with applicable laws (in Dubai, the Law 13/2008 Oqood termination regime applies to off-plan defaults).

Installments are construction-linked and paid into RERA-regulated project escrow accounts. Ellington's mid-plan installments are tied to certified construction percentages (5% at 20%, 30%, 40%, 50%+ completion) rather than pure calendar dates, which is the pattern required under Dubai's off-plan escrow regime (Law 8/2007) where buyer payments go to the project's escrow account and are released against construction progress. Buyers should always verify the named escrow account on their SPA/payment instructions.

No post-handover plans is the norm - Ellington monetizes trust in on-time quality delivery instead. Across 2024-2026 launches, Ellington marketing repeatedly emphasizes 'no post-handover installments' (e.g., Ellington Cove II). The heavier 30-40% handover payment is the trade-off; buyers planning mortgage-at-handover should budget for that final tranche plus the 4% registration in RAK.