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MORTGAGES · FINANCING

Mortgages in Dubai

My dedicated mortgage team compares banks for residents and non-residents — with the full cost calculated upfront.

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MORTGAGES · FINANCING

The right loan is part of the right purchase.

UAE banks lend to residents and, with some banks, to non-residents. How much you can borrow depends on your residence status, whether it is your first property, the property value and your income.

I have a dedicated team responsible for mortgages. They compare offers from several banks, help you get pre-approval before you make an offer and take care of the valuation and bank paperwork, while I coordinate everything with your purchase and the transfer.

Consultation
Consultation
The right loan is part of the right purchase.
Mortgages in Dubai

What I can help with

Pre-approval

Know your budget before viewing, so your offer is taken seriously.

Bank comparison

Fixed and variable rates, fees and early repayment terms compared side by side.

Non-resident mortgages

Banks that lend to buyers living abroad and the documents they need.

Down payment rules

Minimum deposits for residents, non-residents, first and second properties.

Full cost

DLD fee, mortgage registration, valuation and bank fees — so there are no surprises.

Refinancing

Switching to a better rate or releasing equity from a property you already own.

Mortgage calculator

Minimum down payment for this buyer type:
Monthly payment—
Loan amount—
Total interest over the term—
Min. monthly income*—
Cash needed upfront—

    * UAE banks allow all loan repayments to be at most 50% of your income (Central Bank rule).

    Estimates only, for guidance. Final figures depend on the bank, the developer and current regulations — I will confirm them for your case.

    Indicative bank rates (October 2026)

    Tap a bank to use its 3-year fixed rate in the calculator.

    Bank1-yr fixed3-yr fixed5-yr fixedThen variable
    First Abu Dhabi Bank3.99%3.99%4.19%1.50% + 3M EIBOR
    Dubai Islamic Bank—3.95%4.50%1.00% + 3M EIBOR
    Emirates Islamic—3.99%4.39%1.79% + 3M EIBOR
    Commercial Bank of Dubai4.89%3.99%4.19%1.79% + 3M EIBOR
    RAKBANK—3.99%—1.69% + 3M EIBOR
    Emirates NBD—4.29%—1.99% + 1M EIBOR
    HSBC4.05%4.39%5.05%1.09–1.69% + 3M EIBOR

    Salary-transfer rates, 3M EIBOR = 4.39% (8 Oct 2026). Source: Mortgease bank rate sheet, October 2026. Rates change often and depend on your profile — my mortgage team will check the current offer for you.

    How it works

    How it works

    Eligibility

    Income, residence and the property you have in mind.

    Pre-approval

    Offers from several banks and a pre-approval letter.

    Valuation

    The bank values the chosen property and issues the final offer.

    Transfer

    Mortgage registered with the DLD on the transfer day.

    FAQ

    Frequently asked questions

    How much down payment do I need in Dubai?

    Under UAE Central Bank rules, a resident expat buying a first home under AED 5 million needs at least 20% down (35% above AED 5 million) and around 40% for a second or investment property. Off-plan is typically financed up to about 50%. Non-residents usually need around 50%.

    Can non-residents get a mortgage in Dubai?

    Yes, several banks lend to non-residents, usually with a higher down payment and specific income documents.

    What is the maximum mortgage term?

    Usually up to 25 years, depending on your age and the bank.

    Can the purchase fees be added to the mortgage?

    No — the DLD fee, agency fee and other costs need to be paid in cash, on top of the down payment.

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