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 can you buy a luxury home in Dubai?
To buy a luxury home in Dubai, you choose a property in one of the city's freehold areas, arrange your financing, and complete the purchase through the Dubai Land Department. Both residents and non-residents can buy, and many high-value buyers use a mortgage from a UAE bank rather than paying fully in cash. Because luxury homes are expensive, the right mort ..... Read more
How do you buy home insurance online?
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 o ..... Read more
How can you buy a home in Abu Dhabi?
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 y ..... Read more
How can you buy a home in Dubai Creek Harbour?
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, alth ..... Read more
How can you buy a home in Dubai?
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 ra ..... Read more
How can you buy a home in Al Marjan Island?
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 ..... Read more
How can you buy a home in Dubai Hills Estate?
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 mor ..... Read more
How can you buy a home in Dubai Marina?
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 ..... Read more
What is a home loan calculator in the UAE?
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 to ..... 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 same ..... Read more
What is a home renovation loan?
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 ..... Read more
What is a home loan in the UAE?
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 ..... Read more
What is a home loan in Dubai?
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 ..... Read more
What is a home loan in Abu Dhabi?
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 C ..... 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 ba ..... Read more
How do you buy property in Dubai with a mortgage?
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 bor ..... Read more
What is a loan for construction in Dubai?
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 mone ..... 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 p ..... Read more
What is mortgage loan eligibility in Dubai?
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 ..... Read more
Looking for a Dubai mortgage for non residents? We help buyers who live abroad finance UAE property from start to finish. Non-residents can get a mortgage in Dubai, and our brokers make it simple. Banks fund up to around 60% of the property value, so you plan for a deposit of about 40%. You do not need a UAE visa or residency to apply. Our team matches you to a bank that lends to overseas buyers, ..... Read more
Need a property mortgage in Dubai? We help you finance your home or investment from start to finish. A property mortgage in Dubai is a loan from a UAE bank, secured against the property and repaid monthly over up to 25 years. Both expats and UAE nationals qualify. Expats need a deposit from 20%, and nationals from 15%. Most banks want a minimum salary near AED 15,000. As your mortgage advisor, we ..... Read more
Want pre-approval of mortgage in UAE? We help you get approved fast, before you start house hunting. Pre-approval is a written note from a bank that confirms how much you can borrow. It is based on your income, debts, and credit profile. As your broker, we check your eligibility, prepare your file, and send it to the bank most likely to say yes. Most UAE pre-approvals take 3 to 5 working days and ..... Read more
Looking for mortgage loans in Dubai? We compare offers across leading UAE banks and secure your best rate. A mortgage loan is money a bank lends to buy property, secured against the home and repaid monthly over up to 25 years. Both expats and UAE nationals qualify. Expats need a deposit from 20%, and nationals from 15%. Most banks want a minimum salary near AED 15,000 per month. As your advisor, w ..... Read more
An Emirates Islamic mortgage, known as Manzili Home Finance, is a Sharia-compliant way to buy property in the UAE without interest. Instead of charging interest, or riba, the bank buys the property and leases it to you under an Ijara structure. You pay monthly, and ownership transfers to you at the end. Emirates Islamic finances up to 80% of the value for expats and 85% for UAE nationals, up to AE ..... Read more
A mortgage for overseas property is a loan used to buy a home in another country. For UAE buyers, one fact shapes everything: a UAE bank mortgage is secured against UAE property, so it cannot fund a home abroad by itself. Instead, you have two clear routes. You can release equity from your UAE home and use the cash overseas, often in AED, GBP, EUR, or USD. Or you can arrange a mortgage loan for ov ..... Read more
Best bank for home mortgage in the UAE? No single bank wins for everyone. The right bank depends on your income, deposit, credit profile, and the home you buy. One lender may offer the lowest rate, while another approves your file faster or funds more of the price. This is why a Dubai home mortgage is worth comparing across banks before you sign. Big UAE lenders such as Emirates NBD, First Abu Dha ..... Read more
A buy-to-let mortgage lets you finance a property you plan to rent out for income. Here is the key point for UAE buyers: Dubai has no separate buy-to-let product like the UK. Instead, you use a standard residential mortgage to buy a rental property, whether you live in it or let it out. Investors usually need a deposit of 20% to 25%, and rates sit slightly higher than owner-occupier rates. Some ba ..... Read more
A real estate mortgage is a loan from a bank to buy property, secured against that property and repaid monthly over up to 25 years. It covers homes, apartments, villas, and commercial units across Dubai and the UAE. Both expats and UAE nationals qualify. Expats need a deposit from 20%, and nationals from 15%. Most banks want a minimum salary near AED 15,000 per month, and they cap your monthly deb ..... 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 commer ..... Read more
To apply for a mortgage loan in Dubai, you check your eligibility, gather your documents, and submit your file to a bank, ideally through a broker. The main steps are simple: confirm your budget, collect your Emirates ID, passport, salary certificate, and bank statements, compare bank rates, and apply for pre-approval. Both expats and UAE nationals can apply. Most banks want a minimum salary near ..... 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 15,00 ..... 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 r ..... 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, y ..... 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 a ..... 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 expats ..... 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 mortgage ..... 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 explor ..... Read more
EIBOR as on 31 Mar 2026: 1 MONTH: 3.65% | 3 MONTH: 3.66% | 6 MONTH: 3.71% | 1 YEAR: 3.91%