Every UAE mortgage, in one place.
Choose the situation closest to yours. Each page explains how it works, the Central Bank limits that apply and the documents you’ll need.
Buying a home
Home loans for residents, nationals, non-residents and the self-employed, from pre-approval to handover.
Home Loans
A UAE home loan lets residents and nationals finance a property with a deposit, usually for up to 25 years.
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Non-Resident Mortgages
A non-resident mortgage is a UAE home loan for buyers who don't live in the UAE.
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UAE & GCC Nationals
UAE nationals can borrow up to 85% of a first home's value (up to AED 5 million) and up to 8 times their annual income under Central Bank rules, which is more than expatriates can.
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Self-Employed Mortgages
Self-employed buyers and business owners can get a UAE mortgage, but banks assess business income differently from a salary and ask for more documents.
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Islamic Home Finance
Islamic home finance lets you buy a property without paying interest.
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Off-Plan & Handover
Off-plan buyers can finance either during construction or, more commonly, at handover when the remaining balance is due.
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Mortgage Pre-Approval
Mortgage pre-approval is a bank's conditional confirmation of how much it is willing to lend you, based on your income and commitments.
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High-Value Loans
For homes worth more than AED 5 million, Central Bank rules lower the maximum loan to 70% of the value for expatriates and 75% for UAE nationals on a first home.
ExploreRefinance, buyouts and equity
Move your mortgage, buy a mortgaged property or raise funds from a property you own.
Mortgage Buyout
A mortgage buyout is when you buy a property that the seller is still paying a mortgage on.
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Refinance & Balance Transfer
A mortgage balance transfer moves your existing loan to a different bank, usually when your fixed rate is ending or you've found better terms.
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Equity Release
Equity release lets you borrow against a UAE property you already own, either mortgage-free or with a loan you've paid down.
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Portfolio Consolidation
If you own several properties in the UAE, refinancing them together with one lender can simplify repayments and sometimes improve terms.
ExploreSpecialist finance
Commercial property, land and self-build, and property abroad.
Commercial Property
Commercial property finance helps businesses and investors buy offices, retail units, warehouses and other income-producing property.
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Plot & Land Loans
Plot and land loans finance the purchase of residential land, and construction loans finance building a home on it.
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Overseas Property Finance
If you live in the UAE and want to buy property in another country, an international mortgage lets you finance it with a lender that accepts UAE-based income.
ExploreTalk to an adviser and we'll map it out for you.
A 15-minute call is usually enough to identify the right type of mortgage and the lenders that suit your profile.