● Home Loans

Home loans in Dubai and the UAE, arranged around you.

A UAE home loan lets residents and nationals finance a property with a deposit, usually for up to 25 years. Expats buying a first home under AED 5 million can borrow up to 80% of its value under Central Bank rules, and UAE nationals up to 85%. We compare lenders for you and handle the application from start to finish.

Whether you're buying from a developer or on the secondary market, the right structure depends on your income, residency, the property and how long you plan to stay. As independent advisers we look across lenders, not just one bank's products.

80%Expats, first home*

85%UAE nationals, first home*

25 yrsMaximum term

Central Bank maximum loan-to-value. *First home valued below AED 5 million (up to AED 5 million for nationals). Each bank can apply stricter limits.

● Who it's for

Is this right for you?

Residents buying their first home in Dubai or elsewhere in the UAE
UAE and GCC nationals buying a family home
Investors buying a second or rental property
Salaried and self-employed buyers, including business owners

● How it works

From first call to keys

Free consultationWe look at your income, commitments, property and timeline, and tell you honestly what's realistic.
Compare lendersWe compare options across our UAE lender panel and explain the trade-offs in plain English.
Pre-approvalWe prepare your application, submit it and follow it up with the bank.
Valuation and final offerThe bank values the property and issues the final offer. We check the terms with you before you sign.
Transfer and keysWe coordinate with the bank, seller and trustee office until the transfer completes.

● Why use a broker

What you get when you route your mortgage through us.

Whether you're a first-time buyer in JVC, an expat upgrading to a villa, or a UAE national buying in Downtown, the same principles apply.

One application, many lenders. We compare options across our lender panel so you don't have to approach banks one by one.
Clear numbers. We explain rates, fixed periods, fees and early settlement terms before you commit.
Paperwork handled. We tell you exactly which documents you need and chase the bank so you don't have to.
Salaried or self-employed. We know how lenders assess salary, allowances, business income and rental income.
Independent view. We work for you, not for a single bank, and will tell you if waiting or saving more makes sense.
Support to completion. From pre-approval through valuation to the transfer at the trustee office.

● Documents

What you'll usually need

Salaried applicants

Passport, residence visa and Emirates ID
Salary certificate from your employer
Recent payslips and bank statements showing salary credits (usually 6 months)
Details of existing loans and credit cards

Self-employed and business owners

Passport, residence visa and Emirates ID
Trade licence and company documents (such as the memorandum of association)
Personal and company bank statements (often 6 to 12 months)
Audited financial statements or proof of business income, where the lender asks for them

Property documents

Memorandum of understanding (Form F) or sale agreement
Title deed or Oqood (for off-plan) of the property
Valuation report (arranged by the lender)

Lenders may ask for more depending on your profile. We'll give you an exact checklist for your case.

● Key facts

Numbers to know

Maximum LTV, expatriates, first home, value below AED 5 million: 80%
Maximum LTV, expatriates, first home, value above AED 5 million: 70%
Maximum LTV, expatriates, second or investment property: 60%
Maximum LTV, UAE nationals, first home, value AED 5 million or less: 85%
Maximum LTV, UAE nationals, first home, value above AED 5 million: 75%
Maximum debt burden ratio (share of gross income): 50%
Maximum mortgage term: 25 years
Maximum loan amount, expatriates: 7× annual income
Maximum loan amount, UAE nationals: 8× annual income

Regulatory limits: Central Bank of the UAE, Regulations Regarding Mortgage Loans, checked 7 November 2026. Lenders can apply stricter limits.

● Common questions

Your questions, answered.

How much deposit do I need for a home in Dubai?

For an expat buying a first home under AED 5 million, Central Bank rules allow a loan of up to 80% of the value, so you need at least a 20% down payment plus buying costs. Above AED 5 million the maximum loan is 70%. UAE nationals can borrow up to 85% (up to AED 5 million) or 75% (above). The down payment must come from your own funds, not from a personal loan or credit card.

How much can I borrow?

Lenders look at your debt burden ratio (all monthly loan payments, including the new mortgage, can't exceed 50% of your income), the property value and LTV limit, and a cap of 7 times annual income for expats or 8 times for UAE nationals. Banks also stress-test the repayment at a higher rate. Our eligibility calculator gives a first estimate.

What's the maximum loan term?

Up to 25 years under Central Bank rules. Each lender also sets a maximum age at the end of the loan, which varies by bank and by whether you're salaried or self-employed.

Fixed or variable rate?

Fixed rates stay the same for an agreed period, usually followed by a variable rate linked to EIBOR plus a margin. Variable rates move with the market from the start. We'll show you both and the total cost over the fixed period.

Can non-residents get a home loan?

Yes, several UAE banks lend to non-residents, usually with lower loan-to-value limits and more documents. See our non-resident mortgage page.

Do you charge for your advice?

Your first consultation is free and comes with no obligation. We'll explain clearly how we are paid before you go ahead.

How long does the process take?

Pre-approval can take around one to two weeks once your documents are complete. The full process to transfer depends on the bank, the valuation and the seller, and we'll give you a realistic timeline for your case.

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+971 4 320 4500

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