Abu Dhabi’s luxury property market has taken another step forward with the launch of Wadeem Gardens by Modon on Hudayriyat Island.
The new community introduces four-, five- and six-bedroom villas and, more significantly for buyers, access to up to 75% off-plan home financing through Abu Dhabi Islamic Bank (ADIB).
For luxury buyers, that could materially change how capital is allocated when purchasing a high-value off-plan villa. But the headline “75% financing” needs to be understood correctly: it is a maximum financing level for eligible applicants, not an automatic loan available to every purchaser.
What Is Wadeem Gardens?
Wadeem Gardens forms part of the wider Wadeem masterplan on Hudayriyat Island, one of Abu Dhabi’s fastest-growing premium residential destinations.
The development consists of four-, five- and six-bedroom villas set within landscaped neighbourhoods connected to walking and running trails, waterfront promenades and a wider network of community amenities.
Published project information lists the starting prices as:
Four-bedroom villas from AED 8.7 million
Five-bedroom villas from AED 10.2 million
Six-bedroom villas from AED 11.6 million
The corresponding approximate villa sizes are 532 sqm, 630 sqm and 720 sqm, with handover currently targeted for Q2 2031.
For buyers comparing Hudayriyat with other premium off-plan areas, my Abu Dhabi luxury off-plan property guide provides a broader framework for assessing projects by location, product quality, payment structure and long-term positioning.
Why the 75% Financing Structure Matters
Historically, one of the biggest differences between ready and off-plan property purchases has been access to finance.
A buyer purchasing a completed property can normally explore mortgage options immediately, while off-plan buyers have traditionally relied much more heavily on developer payment plans and personal capital during construction.
The Modon and ADIB arrangement changes that structure.
Under the partnership, eligible buyers can access up to 75% financing on qualifying off-plan purchases, extending through the construction period and towards handover.
For a buyer purchasing a villa worth several million dirhams, the potential impact on liquidity can be significant.
It may allow capital to remain available for other investments, business requirements or portfolio diversification rather than committing the full property value during construction.
That said, buyers should focus on the words “up to.”
The financing percentage ultimately available can depend on the applicant’s income, liabilities, credit profile, residency status, property valuation and the bank’s lending criteria.
Understanding the 25/75 Payment Plan
There is an important distinction between the project’s payment plan and the bank financing.
Published Wadeem Gardens information shows a 25/75 payment structure, while Modon separately announced access to up to 75% off-plan financing through ADIB.
These are related, but they are not the same product.
The payment plan determines when the developer expects payments.
The financing arrangement determines how much of the purchase price ADIB may finance for an eligible buyer.
A purchaser should therefore obtain both the developer’s exact payment schedule and an individual financing illustration from the bank before committing to a villa.
What Could a 25% Buyer Contribution Look Like?
Using the published starting prices purely as an illustration, a theoretical 25% buyer contribution would be:
Four-bedroom villa at AED 8.7 million: approximately AED 2.175 million
Five-bedroom villa at AED 10.2 million: approximately AED 2.55 million
Six-bedroom villa at AED 11.6 million: approximately AED 2.9 million
At a theoretical 75% financing level, the corresponding amounts would be approximately AED 6.525 million, AED 7.65 million and AED 8.7 million respectively.
These are illustrations rather than finance quotations.
The final amount can be affected by the bank’s valuation, approved finance-to-value ratio and the applicant’s individual financial circumstances.
For a serious buyer, the better question is not simply “Can I get 75%?”
It is: “How much will the bank finance for this exact villa, under my specific profile, and when will each amount be released?”
Why Hudayriyat Island Is Becoming More Important
Wadeem Gardens should also be considered within the much larger Hudayriyat Island development story.
Hudayriyat is increasingly becoming one of Abu Dhabi’s most significant luxury residential destinations, with a growing collection of villas, mansions, townhouses, residential plots and lifestyle infrastructure.
Demand has already been demonstrated across other Modon launches.
These figures do not guarantee future appreciation for Wadeem Gardens, but they demonstrate the level of capital and buyer attention already moving into Hudayriyat.
Buyers wanting a deeper look at the island can read my analysis of Hudayriyat Island as an Abu Dhabi investment destination.
Wadeem Gardens Is Not a Direct Beachfront Villa Project
This is an important detail for luxury buyers.
Wadeem Gardens is part of Hudayriyat Island and provides access to waterfront promenades, but the villas themselves are not positioned directly on the waterfront.
That distinction matters.
A buyer comparing Wadeem Gardens with a direct beachfront villa, golf-front villa or elevated Nawayef property should not treat them as identical products simply because they are all located on Hudayriyat.
Plot position, privacy, outlook, proximity to amenities and scarcity can have a major influence on both lifestyle value and eventual resale demand.
What Will the Wider Wadeem Community Offer?
The wider Wadeem plan is structured around a 2.3-kilometre central spine linking residential and community destinations.
The project is planned around landscaped neighbourhoods, walking and running trails, waterfront promenades and access to everyday amenities.
The wider district is also expected to include clubhouses, healthcare, retail and dining, schools, cinemas, sports facilities and waterfront spaces.
Wadeem Gardens is approximately 20 minutes by car from Abu Dhabi Corniche and approximately 15 minutes from Zayed International Airport, although actual journey times will depend on traffic and the completed road network.
For investors evaluating new launches across the capital, the latest luxury projects in Abu Dhabi page provides a curated view of current premium off-plan opportunities.
Can International Buyers Purchase in Wadeem Gardens?
The villas are available on a freehold basis to buyers of all nationalities.
That makes Wadeem Gardens particularly relevant to international investors looking for large-format villa ownership in Abu Dhabi.
The financing question is more individual.
An international buyer should not assume that being eligible to purchase automatically means being eligible for the full 75% finance.
Non-resident applicants should obtain written information from ADIB covering:
Maximum available financing
Required personal contribution
Income and documentation requirements
Property valuation rules
Profit rate and repayment terms
Insurance requirements
Currency considerations
Whether a UAE bank account is required
The exact terms matter as much as the headline financing percentage.
Can Wadeem Gardens Be Resold Before Handover?
Resale before handover is permitted once at least 20% of the total purchase price has been paid and the applicable project conditions have been satisfied.
This may provide additional flexibility for investors who do not necessarily intend to hold the property through completion.
However, permission to resell does not mean resale liquidity is guaranteed.
A purchaser should understand developer transfer procedures, assignment fees, financing settlement requirements and the likely secondary-market buyer pool before adopting a pre-handover exit strategy.
For high-value villas in particular, liquidity can differ considerably according to plot position, layout, view, payment status and overall market conditions.
The UAE National Buyer Incentive
Eligible UAE national buyers can receive a non-transferable 5% rebate on the property price, equivalent to the final 5% payment due at handover.
This incentive should not be assumed to apply to international buyers.
Purchasers should confirm all eligibility conditions and how the rebate is reflected in their individual sales documentation.
Is Wadeem Gardens a Good Investment?
There is no universal answer.
Wadeem Gardens has several characteristics that make it particularly interesting:
A Hudayriyat Island location
Large four- to six-bedroom villa formats
Freehold ownership for all nationalities
Access to up to 75% off-plan finance for eligible buyers
A structured 25/75 payment plan
A Q2 2031 target handover
Access to the wider Wadeem masterplan
At the same time, buyers should recognise the risks.
The project has a long construction period, surrounding infrastructure will continue developing, financing has a cost, and the resale value of a luxury villa will ultimately depend on market conditions at the time the owner wants to exit.
For that reason, I would assess Wadeem Gardens villa by villa rather than simply deciding whether the project itself is “good.”
Plot position, road exposure, privacy, orientation, internal layout and proximity to future amenities can materially change the quality of the purchase.
What Buyers Should Check Before Reserving
Before paying a reservation amount, buyers should obtain the latest sales documents and confirm the exact villa plot, size, price, payment schedule, financing structure, service charges, specifications and handover provisions.
They should also review how the ADIB financing drawdowns match the developer payment schedule.
For international buyers, ownership, banking and cross-border tax considerations should be reviewed according to their own circumstances.
The marketing material explains the concept.
The SPA, financing agreement and official project documentation determine the buyer’s actual rights and obligations.
Final Outlook
Wadeem Gardens is more than another villa launch on Hudayriyat Island.
Its significance comes from combining a premium villa product with an off-plan financing model that can potentially reduce the amount of buyer capital committed during the development period.
For investors, however, financing should support a strong property decision rather than become the reason for making one.
The villa itself, its plot, purchase price, finance cost, community delivery and eventual resale demand remain more important than the headline financing percentage.
For buyers considering Wadeem Gardens or comparing it with other Hudayriyat Island opportunities, I recommend evaluating the exact property and financing terms before reserving.
Yes. Wadeem Gardens villas are available to buyers of all nationalities on a freehold basis. Buyers should still confirm the latest ownership and transaction requirements applicable to their circumstances.
No. The financing is available up to a maximum of 75% for eligible buyers and remains subject to ADIB approval and lending criteria. The actual amount approved can vary between purchasers.
Published project information lists four-bedroom villas from AED 8.7 million, five-bedroom villas from AED 10.2 million and six-bedroom villas from AED 11.6 million. Prices and availability may change.
The comparison should include property type, plot position, views, payment plan, handover timing, financing, surrounding amenities and resale strategy. Buyers wanting a broader Hudayriyat comparison can review the luxury off-plan advisory and project analysis from Ayman Sadieh.
Buyers can review current off-plan properties in Abu Dhabi through NAS Luxury Real Estate, including opportunities across major master-planned communities and new project launches.
