Dubai real estate finance
Get property on mortgage
The entire process is on us, from evaluation to deal closing. Clear numbers, the right bank and a pre-approval before you sign.
How it works
Everything you need to know about mortgage
The essentials of financing a home in the UAE, explained plainly. Our advisors handle the rest.
- 01
A mortgage requires a 25 to 30% down payment and a stable income. The remainder is financed by the lender.
- 02
Salaried and self-employed individuals with a stable income are both eligible.
- 03
All leading UAE banks are available as financing partners.
- 04
Loan duration for expats typically ranges between 15 and 20 years.
- 05
UAE nationals may qualify for extended terms depending on their financial profile.
- 06
Bank pre-approval must be secured before signing the Memorandum of Understanding (MOU).
- 07
Clients with full capital can consider financing a second property simultaneously.
Mortgage calculator
Know your numbers
Adjust the price, deposit, term and rate. Your monthly repayment updates instantly, and an advisor can turn it into a bank pre-approval.
Monthly repayment
AED3,913
Based on AED 1,000,000 at 3.89% over 25 years.
64%
Principal
- Loan amount
- AED 750,000
- Total interest
- AED 424,010
- Total repaid
- AED 1,174,010
- Down payment
- AED 250,000
- DLD fee, 4% (estimate)
- AED 40,000
- Upfront, estimated
- AED 290,000
Illustration only. Fees and rates vary by bank and profile. Upfront excludes agency, trustee and bank arrangement fees.
Get pre-approved
Turn AED 3,913 a month into a yes
Send this scenario to a mortgage advisor. We will check eligibility across leading UAE banks and come back within one working day.
Our process
How we finance your home
Evaluation
We review your income, profile and goals, and confirm how much you can comfortably borrow.
Pre-approval
We compare leading UAE banks and secure your pre-approval before you sign the MOU.
Valuation & offer
The bank values the property and issues the final offer. We check every term with you.
Deal closing
We coordinate the bank, seller and DLD transfer so you collect your keys without the stress.
Finance with confidence
Your keys, your terms and a plan that fits.
Speak to a mortgage advisor about eligibility, bank options and pre-approval before you commit to a property.