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Mortgages & Home Loans in the UAE

From eligibility assessment to bank coordination and valuation — mortgage arrangement for residents, expats and non-resident buyers.

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UAE mortgage lending is competitive, but the terms available to you depend heavily on your residency status, your income structure, whether you are salaried or self-employed, and whether the property is ready or off-plan. The advertised rate is rarely the rate you are offered.

Non-resident and self-employed buyers in particular are quoted very different terms by different banks for the same property, and the difference compounded over a twenty-five year term is substantial.

We assess your eligibility honestly before you make an offer, compare real offers rather than headline rates, and coordinate the bank, the valuer, the seller or developer and the land department so the transaction completes on schedule.

What is included

  • Eligibility assessmentA realistic view of the loan-to-value, tenor and rate you can expect based on your residency, income and the property type.
  • Rate and offer comparisonActual offers from multiple lenders compared on total cost — rate, arrangement fee, valuation, life cover and early-settlement terms.
  • Pre-approvalPre-approval secured before you negotiate, so you make offers from a position of certainty.
  • DocumentationIncome evidence, bank statements, liability checks and the supporting file assembled to lender standards.
  • Valuation and bank coordinationValuation arranged, and the lender, seller or developer, conveyancer and land department kept in step.
  • Handover to completionFinal offer letter, disbursement, title transfer and registration seen through to keys.

How it works

  1. Eligibility reviewIncome, liabilities, residency status and property type reviewed against current lender criteria.
  2. Pre-approvalPre-approval obtained so you can negotiate and reserve with confidence.
  3. Offer comparisonReal offers gathered and compared on total cost of borrowing, not headline rate.
  4. CompletionValuation, final offer, disbursement, transfer and registration coordinated to your handover date.
Questions

Mortgage & Home Loans — frequently asked

Can non-residents get a mortgage in the UAE?
Yes. A number of UAE banks lend to non-residents, typically at a lower loan-to-value than for residents and with a shorter maximum tenor and a higher rate. Eligibility usually depends on the country of residence, income evidence and the specific development. We identify which lenders are open to your profile before you commit to a property.
What deposit do I need to buy property in Dubai?
UAE Central Bank regulations set maximum loan-to-value ratios, which in practice means expatriate buyers generally need a deposit of at least 20% for a first property under AED 5 million, with a larger deposit required above that value and for second properties. Non-residents are normally asked for more. Budget separately for the Dubai Land Department transfer fee, agency commission, mortgage registration and valuation, which together typically add another 6% to 8%.
Should I choose a fixed or variable rate mortgage in the UAE?
Most UAE mortgages are fixed for an introductory period of one to five years and then revert to a variable rate linked to EIBOR plus a margin. For anyone holding the property long term, that reversion margin matters more than the headline fixed rate — and it is the number most comparisons omit. We compare on total cost across a realistic holding period.
Can I get a mortgage on an off-plan property?
Some lenders finance off-plan purchases from approved developers, generally at a lower loan-to-value and with disbursement staged against construction milestones. Availability is tied to the specific development and developer, so it needs to be checked before you reserve.
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