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At MortgagesInDubai.com, we are an independent platform dedicated to helping residents and expats understand the mortgage process in the UAE. We believe getting a home loan shouldn’t be confusing — our mission is to simplify complex mortgage information and make it accessible to everyone.
We provide easy-to-follow guides, helpful articles, and tools to help you explore your mortgage options in Dubai. While we do not offer direct financial advice, we connect you with licensed mortgage brokers who can assist based on your unique needs and circumstances.
Whether you’re new to Dubai or just starting to explore your home financing options, our learning hub breaks down the essentials of
getting a mortgage in the UAE.
Here’s what you need to know about eligibility, down payments, and lender requirements. Start your journey with clear, practical insights — no guesswork needed.
It depends on your income, residency status, and the value of the property. Most banks in the UAE offer up to 80% financing for residents and around 50–60% for non-residents. Use our mortgage calculator to get an estimate tailored to your situation.
To apply for a mortgage in Dubai, you'll need to prepare some essential documents. These usually include proof of income, identification, and bank statements. Having everything ready can help speed up the approval process and avoid delays.
Yes, expats can apply for a mortgage in Dubai. Most banks in the UAE offer mortgage options to non-UAE nationals, provided they meet specific eligibility criteria such as a stable income, a good credit history, and valid residency status.
Yes, Islamic mortgages are available in the UAE. These are Sharia-compliant financing options based on the concept of Ijarah (leasing) or Murabaha (cost-plus financing), where interest is not charged but instead a profit rate is applied.
For expats, the minimum down payment is typically 20% of the property value for properties priced under AED 5 million. For UAE nationals, the minimum is 15%. Additional costs such as registration fees, valuation fees, and bank charges should also be considered.
While it helps to be employed in the UAE, some banks may offer mortgages to overseas residents with verified foreign income. However, the process can be more complex, and the loan-to-value ratio or interest rates may vary.
You can apply directly to banks, but working with a mortgage broker can simplify the process. Brokers can help you compare options, negotiate better rates, and manage paperwork, saving you time and potentially money.
Fill in a few quick details and we’ll connect you directly with a qualified mortgage advisor who can help.
We forward enquiries to licensed UAE mortgage professionals and do not offer financial advice or brokerage directly through this site.