Mortgages in Dubai, explained in plain English

Mortgages shouldn't feel like a maze. We compare banks, translate the fine print, and help you qualify under Central Bank rules—so you end up with a loan that fits your life, not just the property. Expect straight answers on LTV caps, documents, timelines, and total cost of borrowing.

What we actually do (and do well)

•Eligibility & LTV clarity: We tell you what's realistic for your profile (first home vs. investment, resident vs. non-resident) before you apply.
•Rate strategy: Fixed, tracker, or hybrid—explained with today's EIBOR context, not guesswork.
•Pre-approval fast-track: Bank liaison, document checklist, and realistic timelines for valuation, legal, and final offer.
•Non-resident guidance: What banks look for, typical LTV ranges, and how to structure when income is abroad.

How UAE mortgage rules affect you (quick notes)

•Owner-occupier vs investor: The rulebook distinguishes the two; caps differ.
•Off-plan finance: Expect tighter caps (commonly up to ~50% LTV).
•Variable-rate math: Most variable offers price off EIBOR + margin.

What you'll leave with

✓A bank-by-bank comparison (fees, rates, tie-ins)
✓An LTV and affordability range that won't fall apart at valuation
✓A document pack ready for pre-approval

Get your LTV & rate options in 15 minutes

Mortgage FAQs we answer every day

From eligibility to rates, here are the clarifications clients ask for before signing.

Looking to qualify for the Golden Visa through property investment?

Learn about Golden Visa Support

Mortgage Consultation in Dubai | Expat & Non-Resident Home Loans | WE Dubai