Residential Mortgages in Dubai
Find Your Best Home Loan — Zero Broker Fee
Dubai's residential property market posted over 44,000 mortgage transactions in 2023 — a 20% year-on-year surge. Behind every deal was a buyer who needed financing that actually worked for them. Not a rate from a bank's homepage. A home loan matched to their income, their property, and where they want to ..... Read more
Non-Residential Mortgages in Dubai
Finance Commercial, Retail & Industrial Property — Zero Broker Fee
Dubai's commercial real estate market recorded over AED 94 billion in non-residential transactions in 2023—offices, warehouses, retail units, and mixed-use buildings changing hands at a record pace. Behind each transaction was a business owner or investor who needed financing s ..... Read more
Mortgage Buyout & Equity Release in Dubai
Switch Banks · Cut Your Rate · Unlock Property Cash — Zero Broker Fee
When a UAE bank's fixed-rate period ends, it automatically reverts you to a standard variable rate — one that was negotiated years ago and is frequently 0.75–1.5% higher than today's market. On an AED 1.2 million outstanding balance, that gap costs a ..... Read more
Land & Construction Finance in Dubai
Buy Land · Finance Your Build · Convert to Mortgage — Zero Broker Fee
Most UAE homebuyers focus on ready properties, but a growing segment of buyers want to build their own home exactly as they envision it. Whether you are purchasing a plot in a designated freehold zone, constructing on land you already own, or extending an existing vi ..... Read more
Free Mortgage Eligibility Assessment in Dubai
Know Exactly How Much You Can Borrow — Before You Search for a Property
Most buyers in Dubai start their property search without knowing their real borrowing power. They fall in love with a property, negotiate a price — then discover the bank will only finance 70% of what they expected. The deal collapses. The deposit is at risk. That s ..... Read more
Personal Mortgage Consultant in Dubai
One Dedicated Advisor. 25+ Banks Compared. Zero Fees to You — Ever.
Most home buyers in Dubai approach multiple banks independently, wait days for callbacks, receive inconsistent rate quotes — then discover the lender they chose doesn’t suit their income type at all. Hours wasted. Opportunities missed. And critical financial decisions mad ..... Read more
Express Mortgage Service Dubai
Bank Pre-Approval in 24–72 Hours. In-Person or Zoom. Zero Cost.
When a seller accepts your offer, the clock starts immediately. Developers release units on a first-come basis. Auctions require proof of finance before bidding. In every one of these situations, the buyer with a formal bank pre-approval letter in hand wins — and the buyer still waiting f ..... Read more
EIBOR Rates & UAE Variable Mortgage Guide
Understand How EIBOR Moves — and What It Means for Your Monthly Mortgage Payment
Every variable-rate mortgage in the UAE is linked to EIBOR — the Emirates Interbank Offered Rate. Yet most buyers sign a mortgage without fully understanding what that linkage means for their monthly payment once their initial fixed period ends. The result ..... Read more
How to Apply for a Mortgage Loan
To apply for a mortgage loan in the UAE, you check your eligibility, get a pre approval, choose a property, submit your documents, and complete the bank's approval and property valuation. In simple terms, applying is a step by step journey from knowing your budget to getting the keys. You start by confirming how much you can borrow, usually up to 80% of a home's ..... Read more
To buy home insurance online, you choose the type of cover you need, enter a few details about your property, compare quotes from insurers, and pay securely to receive your policy by email. Home insurance protects your property and belongings against risks like fire, water damage, and theft, and it is often required when you take a mortgage in Dubai. Buying online is quick and lets you compare c ..... Read more
To buy a home in Abu Dhabi, you choose a property in an area where you are allowed to own, arrange a home loan, and register the purchase with the Abu Dhabi property authority. Most buyers pay a deposit upfront and borrow the rest from a UAE bank as a mortgage. Abu Dhabi has its own ownership rules, so the first step is knowing where you can buy and how much you can borrow. A mortgage broker mak ..... Read more
To buy a home in Dubai Creek Harbour, you choose a property in this waterfront community, arrange your financing, and complete the purchase through the Dubai Land Department. Dubai Creek Harbour is a freehold area, so both UAE residents and overseas buyers can own here. Most buyers pay a deposit and borrow the rest from a UAE bank as a mortgage, although some homes are sold off-plan with develop ..... Read more
To buy a home in Dubai, you set your budget, choose a property you can afford, arrange a home loan, and complete the purchase through the Dubai Land Department. Most buyers do not pay the full price in cash — they put down a deposit and borrow the rest from a UAE bank as a mortgage. The key is knowing how much you can borrow and finding a loan with a good rate, because even a small differe ..... Read more
To buy a home in Al Marjan Island, you choose a property on this man-made island in Ras Al Khaimah, arrange your financing, and register the purchase with the Ras Al Khaimah authority. Al Marjan Island is a freehold area, so UAE residents and overseas buyers can own here with full rights. Most buyers pay a deposit and borrow the rest from a UAE bank as a mortgage, while many beachfront homes are ..... Read more
To buy a home in Dubai Hills Estate, you choose a property in this popular community, arrange your financing, and complete the purchase through the Dubai Land Department. Dubai Hills Estate is a freehold area, so both UAE residents and overseas buyers can own here with full rights. Most buyers pay a deposit and borrow the rest from a UAE bank as a mortgage. The community offers a wide choice of ..... Read more
To buy a home in Dubai Marina, you choose an apartment in this waterfront community, arrange your financing, and complete the purchase through the Dubai Land Department. Dubai Marina is a freehold area, so both UAE residents and overseas buyers can own here with full rights. Most homes are ready apartments in modern towers, which means they usually qualify for a standard mortgage and you can mov ..... Read more
A home loan calculator for the UAE is a simple online tool that estimates your monthly mortgage payment in seconds. You enter three main details — the loan amount, the interest rate, and the loan term — and the calculator shows your monthly EMI, which is the fixed amount you would pay each month. It can also show the total interest and the total amount you would repay over the life o ..... Read more
What is the difference between a home loan and a mortgage loan?
In most cases, there is no difference — a home loan and a mortgage loan are two names for the same thing. Both describe a loan from a bank that you use to buy a property, where the property itself acts as security for the loan. People in the UAE use the words "home loan," "mortgage loan," and simply "mortgage" to mean the sam ..... Read more
A home renovation loan is money you borrow to pay for home improvements, such as a new kitchen, an updated bathroom, or an extension. In the UAE, "home renovation loan" can mean a few different financing options rather than one single product. You might use a personal or home improvement loan from a bank for a smaller project or release equity from your property to fund a larger one. Each option ..... Read more
A home loan in the UAE is money you borrow from a bank to buy a property, using the property itself as security for the loan. It is available to UAE nationals, residents, and overseas buyers, and it lets you buy a home by paying a deposit upfront and borrowing the rest. You then repay the bank in monthly installments over a term that can run up to 25 years. A best home loan in Dubai works the sa ..... Read more
A home loan in Dubai is money you borrow from a bank to buy a property, with the property itself acting as security for the loan. It is open to UAE nationals, residents, and overseas buyers, and it lets you buy a home by paying a deposit and borrowing the rest, then repaying over a term of up to 25 years. Two things matter most when you take a home loan: the interest rate, which decides your mon ..... Read more
A home loan in Abu Dhabi is money you borrow from a bank to buy a property, with the property itself acting as security for the loan. It is available to UAE nationals, residents, and overseas buyers, and it lets you buy a home by paying a deposit and borrowing the rest, then repaying over a term of up to 25 years. Mortgage rules in Abu Dhabi follow the same UAE Central Bank guidelines used acros ..... Read more
Can non-residents get a home loan in Dubai?
Yes, non-residents can get a home loan in Dubai. Many UAE banks offer mortgages to overseas buyers who do not live in the country, letting them buy property in Dubai's freehold areas while based abroad. The process is similar to a resident's, but a few things differ: non-residents usually need a larger deposit, fewer banks offer these loans, and some ..... Read more
To buy property in Dubai with a mortgage, you get pre-approved by a bank, find a home, and pay a deposit, while the bank lends the rest and you repay it over a term of up to 25 years. The process is open to UAE nationals, residents, and overseas buyers, who can purchase in Dubai's freehold areas. Most buyers start by checking how much they can borrow, then get a mortgage pre-approval before they ..... Read more
A loan for construction in Dubai is finance that helps you build a home on a plot you own, rather than buy a property that is already finished. Some banks also include the cost of the land, so you can fund both the plot and the building together. Unlike a standard mortgage, where you borrow a lump sum to buy a ready home, a construction loan releases money in stages as the build progresses. It i ..... Read more
Can you get a loan for buying land in Dubai?
Yes, you can get a loan for buying land in Dubai, but it works differently from a normal home loan and is harder to arrange. A land loan finances the purchase of a plot, whether you want to hold it as an investment or build a home on it later. Fewer banks offer this kind of finance, because vacant land carries more risk for the lender than a finished ..... Read more
Mortgage loan eligibility in Dubai is the set of conditions a bank checks to decide whether it will lend to you and how much you can borrow. The main factors are your income, your job, your age, your credit history, and how much other debt you already have. Banks use these to judge if you can repay over a term of up to 25 years. UAE nationals, residents, and overseas buyers can all qualify, thou ..... Read more
A Dubai mortgage for non-residents is a home loan that lets people living outside the UAE buy property in Dubai. Yes, non-residents can get a mortgage in Dubai, though the rules are stricter than they are for residents. Most UAE banks lend to non-residents but ask for a larger down payment, usually around 40% to 50% of the property price. You also need to show income from your home country, prov ..... Read more
A property mortgage in Dubai is a loan from a bank that helps you buy a home or investment property, paid back over time with interest. In simple terms, the bank pays most of the property price, you pay a deposit, and you repay the loan in monthly instalments over a set number of years. UAE resident expats can usually borrow up to 80% of the value on a home priced at AED 5 million or less, so yo ..... Read more
Pre approval of a mortgage in the UAE is a bank's written confirmation of how much it is willing to lend you, based on your income and financial profile, before you choose a property. In simple terms, it tells you your exact budget so you can shop for a home with confidence. To get pre approved, you submit proof of income, bank statements, and ID, and the bank reviews your profile against its le ..... Read more
Mortgage loans in Dubai are home loans from UAE banks that let you buy property by paying a deposit and repaying the rest over time. Most residents can borrow up to 80% of a home's value on properties priced at AED 5 million or less, which means a deposit of at least 20%. Loans run for up to 25 years, and rates are linked to EIBOR, the UAE benchmark, either fixed for a set period or variabl ..... Read more
An Emirates Islamic mortgage is a Sharia-compliant home finance product from Emirates Islamic, the Islamic banking arm of the Emirates NBD Group. Instead of charging interest, which is not allowed under Islamic law, the bank earns a profit through an approved structure such as Diminishing Musharaka or Murabaha. In simple terms, the bank helps you own a property through a partnership or a sale, a ..... Read more
A mortgage for overseas property is finance that helps you buy a home or investment abroad, outside the UAE. If you live in the UAE and want to buy property in another country, you usually have three main routes: take a mortgage in the country where the property is, use an international or private bank that lends across borders, or release equity from a property you already own in the UAE to fun ..... Read more
The best bank for a home mortgage is not one single bank, but the bank that best fits your income, property, and goals. In the UAE, each bank prices its mortgages differently and favours different types of buyers, so the best choice for a salaried expat may not suit a self employed buyer or a UAE national. Rather than chasing one name, the smart approach is to compare banks on rate, fees, deposi ..... Read more
A buy to let mortgage is a home loan used to buy a property you plan to rent out, rather than live in yourself. In the UAE, banks treat these as investment mortgages, and the rules are close to a standard home loan with a few key differences. You still pay a deposit, usually at least 20% for a ready property as a resident, and repay over up to 25 years at an EIBOR-linked rate. The main diff ..... Read more
A real estate mortgage is a loan from a bank that helps you buy property, using that property as security until the loan is repaid. It covers many kinds of real estate, from homes and apartments to offices, land, and off plan projects. In the UAE, most real estate mortgages let residents borrow up to 80% of a property's value, with the rest paid as a deposit and the loan repaid over up to 25 yea ..... Read more
A commercial property mortgage is a loan to buy non-residential property, such as an office, shop, warehouse, or retail unit. The property secures the loan, and you repay it monthly, usually over up to 15 years. In the UAE, banks fund up to 80% of the value, so you plan for a deposit from 20%. There are two main types: an owner-occupier mortgage, where your business uses the property, and a comm ..... Read more
To apply for a mortgage loan in the UAE, you check your eligibility, get a pre approval, choose a property, submit your documents, and complete the bank's approval and property valuation. In simple terms, applying is a step by step journey from knowing your budget to getting the keys. You start by confirming how much you can borrow, usually up to 80% of a home's value for residents, then secure ..... Read more
A mortgage in Abu Dhabi is a home loan from a UAE bank to buy property in the emirate, secured against that property and repaid monthly over up to 25 years. The same federal rules apply as in Dubai: banks fund up to 80% of the value for expats and 85% for UAE nationals, so you plan for a deposit from 15% to 20%. Both residents and expats can buy, and most banks want a minimum salary near AED 15, ..... Read more
A mortgage company in Dubai is a broker that connects you with banks and helps you secure a home loan on the best terms. Mortgage Market is one such company, with 15+ years of experience and over AED 3 billion in mortgages arranged for 1000+ clients. As a mortgage company, we compare offers across many UAE banks, prepare your file, and submit it to the lender most likely to approve you. We serve ..... Read more
A mortgage for international property is a loan used to buy a home in another country. Here is the key point for UAE buyers: a UAE bank mortgage is secured against UAE property, so it cannot directly fund a home overseas. You have two proven routes. First, you can apply for an international mortgage in the country where the property sits, through a lender that handles cross-border deals. Second, ..... Read more
A mortgage for off-plan property helps you buy a home that is still under construction. In Dubai, financing usually happens in two stages. You pay the developer directly while the project is built, then take a bank mortgage when it is handed over. The UAE Central Bank caps off-plan mortgage funding at 50% of the property value, so you need a large deposit if you borrow during construction. Banks ..... Read more
Home mortgage loan companies help you borrow money to buy a property and repay it over time. In the UAE, these companies fall into three groups: conventional banks, Islamic banks, and mortgage brokers who compare them all. Banks lend their own products, while a broker like Mortgage Market compares many banks to find your best rate. Most home loans in the UAE fund up to 80% of the price for expat ..... Read more
A mortgage for an apartment is a bank loan to buy a flat, secured against the apartment and repaid monthly over up to 25 years. In Dubai, apartments are the most financed property type, and both expats and UAE nationals qualify, along with non-resident buyers. Banks fund up to 80% of the value for expats and 85% for UAE nationals, so you plan for a deposit from 20% or 15% — use our mo ..... Read more
A mortgage for a villa is a bank loan to buy a house, secured against the villa and repaid monthly over up to 25 years. In Dubai, both expats and UAE nationals qualify, and banks fund up to 80% of the value for expats and 85% for nationals. Because many villas cost more than AED 5 million, one rule matters: on homes above that price, funding reduces to around 75%, so you plan for a deposit of 25 ..... Read more
Re mortgage finance means switching your current home loan to a new bank for better terms, also called a 'remortgage' or 'buyout'. In Dubai, borrowers use it to lower their interest rate, cut their monthly payment, or release cash from their property's equity. The new bank pays off your old loan, and you start fresh on a stronger deal. You can model the savings with our buyout calculator or ..... Read more
EIBOR as on 31 Mar 2026: 1 MONTH: 3.65% | 3 MONTH: 3.66% | 6 MONTH: 3.71% | 1 YEAR: 3.91%