Mortgages
Finance your Dubai
home, on the right terms.
From pre-approval to completion, we introduce the right lender and structure the financing around you — then let you model every figure before you commit.
The Fundamentals
A Dubai mortgage is refreshingly straightforward — but the right rate, structure and lender can save you hundreds of thousands over the life of the loan. That is where we earn our place.
How Dubai Mortgages Work
The essentials, clearly
Fixed vs. Variable
Most Dubai mortgages open with a fixed period of one to five years, then revert to a variable rate tracking EIBOR plus a bank margin. Fixed gives certainty; variable can be cheaper when rates fall.
Loan-to-Value (LTV)
Residents can typically borrow up to 80% on a first property under AED 5M; non-residents usually 50–60%. The balance is your cash down payment, paid up front.
Pre-Approval First
A mortgage pre-approval — valid for around 60 days — tells you exactly what you can borrow and makes your offer far stronger. We arrange it before you view seriously.
Salaried or Self-Employed
Salaried buyers qualify on payslips and bank statements; self-employed buyers on trade licence and audited accounts. Both are well served — the documentation differs, not the opportunity.
Run the Numbers
Model your repayment
in seconds
Our calculator sizes your monthly payment, total interest and loan-to-value — plus the full cash you'll need, an affordability check, and a live comparison of UAE bank rates. The same figures our advisors work from.
Sample — AED 2M, 20% down
Monthly Payment
AED8,893
Indicative only. Adjust every figure in the full calculator.
Eligibility & Costs
What you can
borrow
Two numbers govern most Dubai mortgages: how much of the price a bank will lend (loan-to-value), and how much of your income can service debt (the debt-burden ratio). Get both right and the rest follows.
We model your position against every relevant lender before you make an offer — so your budget is real, not hopeful.
Debt-Burden Ratio Cap
UAE lenders cap total monthly debt repayments at 50% of your monthly income. Existing loans and card limits reduce what you can borrow — we model this before you commit.
Max LTV — Residents
UAE-resident buyers can generally finance up to 80% of a first property valued under AED 5 million, meaning a 20% cash deposit plus fees.
Max LTV — Non-Residents
Overseas buyers are typically capped at 50–60% LTV, requiring a larger deposit. We introduce lenders who actively write non-resident mortgages.
Bank Arrangement Fee
Expect a one-off arrangement fee of around 1% of the loan, plus a 0.25% DLD mortgage-registration fee. These are cash costs on top of your deposit.
Lender Landscape
Indicative UAE mortgage rates
| Lender | Indicative Rate | Fixed Period | Max LTV |
|---|---|---|---|
| Emirates NBD | From 3.99% | 1–3 yr fixed | Up to 80% |
| ADCB | From 4.15% | 1–5 yr fixed | Up to 80% |
| Mashreq | From 4.24% | 1–3 yr fixed | Up to 80% |
| HSBC | From 4.09% | 1–5 yr fixed | Up to 75% |
| Dubai Islamic Bank | From 4.29% | Islamic / profit rate | Up to 80% |
Rates are indicative and for illustration only — actual rates, fees and loan-to-value limits depend on the lender, your profile and the property, and revert to a variable EIBOR-linked rate after the fixed period. We secure live quotes tailored to you.
The Journey
From pre-approval to keys
Pre-Approval
We assess your income and profile and secure a mortgage pre-approval, confirming your budget and strengthening your negotiating position.
Find & Offer
With financing confirmed, we source and negotiate the right property — knowing exactly what the bank will support.
Valuation
The lender instructs an independent valuation of the property to confirm the amount they will lend against it.
Final Offer Letter
The bank issues a formal mortgage offer setting out the rate, term and conditions for you to accept.
Completion & Registration
Funds are released, the DLD registers the transfer and the mortgage, and the keys are yours. We coordinate every party.
Common Questions
Mortgages, answered
Yes. A number of UAE banks lend to non-residents, typically up to 50–60% loan-to-value, requiring a larger cash deposit. Eligible nationalities and required documents vary by lender — we introduce the banks most likely to approve your profile.
For UAE residents, generally 20% of the price for a first property under AED 5 million, plus roughly 6–7% in transaction costs (DLD, agency, mortgage and valuation fees). Non-residents should budget for a 40–50% deposit. Our Buying Costs calculator itemises the full cash requirement.
EIBOR is the Emirates Interbank Offered Rate — the benchmark most variable Dubai mortgages track. After your fixed period ends, your rate typically becomes EIBOR plus the bank's margin, so the benchmark's movement affects your repayments.
Pre-approval usually takes a few working days. From offer acceptance to completion, a mortgaged purchase typically takes four to eight weeks depending on the bank and valuation. We manage the timeline end-to-end.
Financing off-plan is usually arranged closer to handover, when banks lend against the completed asset — commonly up to 50% of value. Many buyers self-fund the construction instalments and mortgage the handover balance.
Rarely. Most products fix the rate for an initial one-to-five-year period, then move to a variable rate. You can often refinance or remortgage at that point — something we help clients review to keep costs down.
One Property, One Realtor
Let's structure your financing.
A senior advisor will introduce vetted mortgage partners, secure your pre-approval, and model the full cost of ownership — privately and without obligation.