Mortgage
Our mortgage advisors compare products across UAE lenders to secure you the right rate, structure and pre-approval before you offer.
Finance your purchase the smart way.
A mortgage can dramatically improve the return on your Dubai property by letting you deploy less capital upfront — but the right structure matters as much as the rate. Our advisors work across the whole UAE market, comparing fixed and variable products from leading banks so you secure the combination of rate, term and flexibility that fits your profile, rather than whatever a single bank happens to offer.
We start with a clear affordability review based on your income, existing commitments and deposit, then obtain a pre-approval. A pre-approval tells you exactly what you can borrow and makes your offer far stronger with sellers. Expat first-time buyers can typically borrow up to 80% of the value for properties under AED 5 million (a 20% deposit), with different thresholds above that level and for UAE nationals.
From application to drawdown, we manage the paperwork, valuation and final offer, coordinating the timeline with your purchase so the mortgage does not become the bottleneck. Non-residents can also obtain finance from a number of UAE banks, usually with a higher deposit requirement.
What's included
How it works
Common questions
Expat first-time buyers typically need a 20% deposit for a completed property valued under AED 5 million, and 30% for properties above that. UAE nationals generally have lower deposit requirements. Off-plan purchases usually require a larger deposit.
Yes. Several UAE banks lend to non-residents, though usually with a higher deposit (often 25–50%) and a more limited list of approved developers and communities. We match you to lenders active in the non-resident segment.
Rates move with EIBOR and your borrower profile, and both fixed and variable products are available. Rather than quote a number that dates quickly, we run a live whole-of-market comparison for your specific situation.
A pre-approval is typically valid for 60 to 90 days. It confirms your borrowing capacity, speeds up the final approval once you find a property, and signals to sellers that you are a serious, finance-ready buyer.
Terms commonly run up to 25 years, subject to age limits at the end of the term (often 65 for salaried and 70 for self-employed applicants). A longer term lowers monthly payments but increases total interest paid.
Yes, though options are more limited and typically require a larger deposit. Some banks offer construction-linked finance, while others release the loan closer to handover. We identify lenders that support your specific project.