Bespoke Mortgage
Solutions.
From first-time purchases to luxury investment portfolios, we craft financing strategies as unique as your ambitions.
Home Loans
Competitive rates for residential properties across Dubai with flexible terms tailored to your needs.
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Investment Properties
Financing solutions for property investors with competitive rates and terms designed for ROI.
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Refinancing
Lower your monthly payments or access equity through our refinancing options with better terms.
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Document Processing
Complete assistance with document collection and submission to lenders for hassle-free processing.
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Rate Comparison
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Broker Services
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Questions
Everything you need to know about mortgages in Dubai
What is the minimum down payment required?
The minimum down payment is generally 15% for UAE nationals and 20% for expatriates, excluding additional registration and bank charges.
How can I apply for a mortgage in the UAE?
Mortgages are provided by UAE banks and registered with the Dubai Land Department. Working with a mortgage broker helps you compare lenders and secure the best deal.
What is the difference between fixed and variable rates?
A fixed rate typically lasts 1 to 5 years, after which the rate becomes variable. The variable rate is usually pegged to the UAE EIBOR rate plus a bank margin.
Does a salary transfer give me a better rate?
Many banks offer lower interest rates if the customer agrees to transfer their monthly salary to that specific institution.
Are there penalties for early repayment or settlement?
If a customer wants to pay off the loan early or switch lenders, the UAE Central Bank caps early settlement fees at 1% of the outstanding loan or AED 10,000 (whichever is lower).
Is life and property insurance mandatory?
Yes, UAE banks require buyers to take out property insurance and mortgage life insurance to protect the loan amount in case of unforeseen circumstances.
What is the maximum loan tenure?
The maximum repayment period for a home loan in the UAE is 25 years, with age caps at the time of final repayment (usually 65 for salaried individuals and 70 for self-employed).
How do I choose the right mortgage?
The right mortgage depends on your income, lifestyle, future plans, property value, and comfort with fixed or variable interest rates.
What is mortgage pre-approval and why is it important?
Mortgage pre-approval confirms the loan amount you are eligible for before purchasing a property, giving you clarity and stronger negotiation power.
What is an Islamic mortgage?
An Islamic mortgage is a Shariah-compliant financing option that does not charge interest. Instead, the bank buys the property and sells or leases it to the customer at a pre-agreed profit.
What is a conventional mortgage?
A conventional mortgage is a standard home loan where a bank provides funds to buy a property, and the borrower repays the amount with interest over an agreed period.
Why do I need a mortgage to buy a property?
A mortgage allows you to purchase a property without paying the full amount upfront. It helps you spread the cost into manageable monthly payments while keeping your savings available for other needs.
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