Property Mortgage in Dubai — Expert Broker Service

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 compare rates across many banks, prepare your file, and submit it to the lender most likely to approve you. We handle the bank talks, the valuation, and the Dubai Land Department transfer. With 15+ years of experience and over AED 3 billion arranged, we make it simple. Get a house mortgage estimate in minutes with our calculator. A property mortgage in Dubai is easy with the right team.

What Does Our Mortgage Service Cover?

We are a full-service mortgage broker in Dubai. We guide you from first question to final transfer. You get expert help at every step.

• End to end: We manage eligibility, application, valuation, and transfer.

• Wide bank access: We compare offers from many UAE banks, not just one.

• All buyer types: We serve residents, expats, and overseas buyers.

• Proven scale: 1000+ clients financed and over AED 3 billion arranged.

Start with our buy property in Dubai mortgage service.

How Does a Property Mortgage in Dubai Work?

A property mortgage splits your purchase into two parts. You pay a deposit, and the bank funds the rest. You repay monthly with interest.

• Secured loan: The property acts as security for the bank.

• Loan-to-value: Banks fund up to 80% for expats on homes under AED 5 million.

• Debt limit: UAE Central Bank caps monthly debt at 50% of income.

• Long term: Repayment terms run up to 25 years.

Run our eligibility calculator to see your budget.

Who Can Get a Property Mortgage in Dubai?

Our service suits a wide range of buyers. The rules are clear for each group. Most applicants qualify with steady income.

• Expats and residents: Both can buy with a deposit from 20%.

• UAE nationals: They qualify with a deposit from 15%.

• Non-residents: They can borrow too, through our non-resident home loan service.

• Age rule: Most lenders approve buyers aged 21 to 65.

Book our free eligibility assessment to confirm your options.

How Much Deposit and Cost Should You Plan?

We help you plan your full upfront cost. The deposit is only part of it. Fees add several percent more.

• Deposit: From 20% for expats, or 15% for UAE nationals.

• DLD fee: The Dubai Land Department charges 4% of the property price.

• Agency fee: Usually 2% of the price, plus VAT.

• Registration: 0.25% of the loan, plus a valuation fee.

Plan roughly 7% to 8% in fees on top of your deposit.

What Types of Property Mortgages Do We Arrange?

We arrange every main loan type in Dubai. The right one fits your goal. We match the loan to your plan.

• Residential: A residential mortgage for your own home.

• Commercial: A commercial mortgage for offices or shops.

• Buyout: A mortgage buyout to switch banks for a lower rate.

• Construction: A land and construction loan to build on your plot.

Fixed or Variable Rate — Which Suits You?

Two main rate types exist. Each fits a different buyer. We help you pick the right one.

• Fixed rate: Locked for 1 to 5 years, easy to budget.

• Variable rate: Moves with EIBOR, so it can rise or fall.

• The link: EIBOR rates set the variable part of most UAE loans.

What Does a Mortgage Advisor Do for You?

A mortgage advisor does the hard work for you. We know which banks suit your file. That saves time and lifts approval odds.

• Compare lenders: We check many mortgage companies, not just one bank.

• Right match: We pick the lender most likely to approve you.

• Handle paperwork: We prepare and check your file before it goes in.

• One contact: A personal mortgage consultant manages every step.

Our mortgage services in Dubai are free to you, with no upfront cost.

How Do You Get a House Mortgage Estimate?

An estimate takes only minutes to get. A calculator gives a fast figure. Our advisor confirms the real numbers.

• Use a calculator: Enter the price to see your loan and monthly payment.

• Check eligibility: A quick assessment shows your true borrowing limit.

• Add the fees: Include the DLD, agency, and bank costs in your plan.

• Compare offers: Let us compare mortgage products for the best deal.

Why Choose Mortgage Market?

We are built to serve Dubai buyers well. Our record proves it. You get a team that knows the market.

• Right bank match: We pick the lender most likely to approve you.

• Proven record: 1000+ clients financed. Over AED 3 billion arranged.

• Expert team: 15+ relationship managers guide your file.

• Fast option: Our express mortgage service suits urgent buyers.

Get Your Property Mortgage Quote Today

Starting stays quick and free. One short check begins it. Our experts guide the rest.

• Check your budget: See your limit across leading UAE banks in minutes.

• Talk to an expert: Contact our team for a free consultation.

• Apply with confidence: We manage your file from application to transfer.

Ready to secure a property mortgage in Dubai? Get your free quote now, call 800-FINANCE (8003462623), or message us on WhatsApp — Mortgage Market, your expert mortgage broker in Dubai.

Frequently Asked Questions

1. What is a property mortgage in Dubai?
   It is a loan from a UAE bank to buy property, secured against the home and repaid monthly over up to 25 years. Both expats and nationals can apply.
   
   
2. How much deposit do you need for a property mortgage in Dubai?
   Expats need at least 20% for homes under AED 5 million, and UAE nationals need 15%. Non-residents plan for around 40%.
   
   
3. Do mortgage advisors charge a fee in Dubai?
   Our mortgage services are free to you. We are paid by the bank, so you get expert help at no upfront cost.
   
   
4. How do I get a house mortgage estimate?
   Use our mortgage calculator to see your loan and monthly payment, then confirm the exact figures with our advisor.
   
   
5. Can non-residents get a property mortgage in Dubai?
   Yes. Non-residents can finance freehold property, with banks funding up to 60% of the value, so they plan for a larger deposit.