Mortgages
The right mortgage, the right bank, first time.
Dubai mortgages, pre-approvals and refinancing through the UAE’s 12+ leading banks. One file, several offers, our advice.
- In 48–72 hours
Pre-approval
In 48–72 hours
- UAE banks on panel
12+
UAE banks on panel
- LTV, residents
80%
LTV, residents
- Advice to H&S clients
Free
Advice to H&S clients
Request
Start a free fit check
Tell us a little about you and the property. A mortgage specialist comes back within 30 minutes in office hours with the banks that fit and today’s rates.
- Free and no obligation
- Resident and non-resident mortgages
- Islamic and conventional, side by side
- We stay on the file from pre-approval to drawdown
Who we work with
Mortgage products in Dubai
Residents
- Up to 80% LTV, first property
- 25-year terms, fixed and variable
- Non-salaried and self-employed
- Islamic (Ijara, Murabaha)
Non-residents
- Up to 60% LTV, selected banks
- Income from any country accepted
- English-language documentation
- Remote signing where available
Investors & owners
- Buy-to-let for a second home
- Refinancing and rate switches
- Equity release on a paid-off home
- Portfolio and HNW banking
How it works
Five steps, in this order
01
Free fit check
A 15-minute call to work out which banks would lend, how much, and what the monthly figure looks like at today’s rates.
02
Pre-approval
We prepare the file, submit to 2–3 banks that match your profile, and come back with a signed pre-approval in 48–72 hours.
03
Property offer
You find the home. We request the valuation, agree the final rate and submit the full mortgage application.
04
Final offer letter
The bank issues the offer letter, we read it with you, and set a transfer date with the seller or developer.
05
Transfer and drawdown
On transfer day the funds are drawn and paid to the seller; your repayment schedule starts the next month.
What it costs
The fees in plain Dirhams
Six line items you’ll see on a Dubai mortgage. No surprises later.
Bank arrangement fee
0.25%–1% of the loan amount, often capped at AED 10,000. We negotiate the rate and the cap.
Valuation fee
AED 2,500–3,500, paid once per application. Reusable for 60–90 days on refinancing.
DLD mortgage registration
0.25% of the loan + AED 290 fixed. Collected on transfer day.
Life insurance
Required by UAE banks. Rate depends on age and amount; we shop it for you.
Early settlement penalty
Capped by the UAE Central Bank at 1% of the outstanding, or AED 10,000, whichever is lower.
Property insurance
Usually AED 500–1,500 a year for an apartment; we recommend an independent provider.
Common questions
Mortgage FAQ
How much can I borrow?
As a UAE resident, up to 80% LTV on your first home up to AED 5m, and 70% above. As a non-resident, usually 50–60% depending on the bank, nationality and the property. We work out the exact figure for your profile in the fit check.
What rates are available right now?
Variable rates on residential mortgages are currently 4.49%–5.75% EIBOR + spread, and 1–5 year fixed rates are 4.99%–5.89%. These change weekly; the fit-check report has the latest.
I'm self-employed. Do banks lend?
Yes. The documentation is more detailed (two years of audited accounts, 12 months of bank statements, trade licence) and the panel is smaller, but LTV is similar.
Can I refinance for a lower rate?
Yes. UAE Central Bank caps the early-settlement penalty at 1% of the outstanding or AED 10,000. If the saving over the fixed term beats that, we usually recommend the switch.
What about Islamic finance?
Every major UAE bank offers Islamic mortgages (Ijara and Murabaha). Rates sit within 0.1–0.3% of the conventional product; the structure differs.
How long does the full process take?
Pre-approval in 48–72 hours after the file is complete. Transfer typically 2–4 weeks after the offer is accepted, depending on the seller and the developer's NOC.