Get Mortgage Consultation in Dubai Today!

Buying a home or investing in Dubai should feel exciting — not overwhelming. That’s why we’re here. Whether you live in the UAE or are investing from overseas, we help you secure the best mortgage deals with clear, honest guidance every step of the way. At WeDubai, you will always get real-time insights, transparent advice, and smooth support from experts who genuinely assist you to make confident, stress-free decisions. Let’s make your Dubai property goals happen together.

Eligibility Criteria to Get Mortgage in the UAE

•The minimum monthly salary requirements to apply for the mortgage in the UAE starts from AED 15,000. However, some banks may accept lower incomes if your debt burden ratio (DBR) is favorable.

• The UAE Central Bank mandates that your total monthly debt payments, including the new mortgage, should not exceed 50% of your monthly income. For example, if your monthly income is AED 20,000, your total debt payments should not exceed AED 10,000.

•A down payment is essential, and the amount can vary based on the type of property and your status of your residency. Generally, expatriates may need to provide a higher down payment compared to the UAE nationals.

•Lenders require proof of stable employment. For salaried individuals, a minimum of six months of employment history is often needed. Self-employed individuals should have at least two years of business activity, supported by audited financial statements.

•Age Limitations - Most banks have age limits for when the loan should be fully paid off, typically requiring borrowers to be under a certain age (often 65-70 years) at the end of the loan term.

Eligibility Criteria to Get Mortgage in the UAE

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 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.

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

How does it work?

1. Appoint an Advisor

The first step is to connect with our experts to start your journey to get a mortgage in the UAE.

2. Know Your Options

The next step is to get to choose from different bank options tailored specifically to offer mortgage solutions provided by one of our mortgage advisors in the UAE.

3. Get Your Mortgage Approved!

The last step is to get all the approval and you are all set in!

Document Checklist

•Original Passport with at least six months validity.

•Emirates ID, if shareholders are the residents of the UAE.

•Residence visa for expat shareholders

•Completed Application Form

•Proof of Address

•Bank Account Statements

•Salary Certificate or Employment Letter

Types of Mortgages in the UAE

With a fixed-rate mortgage, the rate of interest is agreed upon prior to the commencement of the loan for a specific fixed period usually up to five years.

A variable rate mortgage follows the market conditions, so your repayments must increase or decrease periodically.

A non-resident mortgage which is intended for buyers who live outside the UAE. This usually means that monthly repayments are much higher; however, it presents a route through which international investors can buy property in Dubai.

Under an offset mortgage, your savings account is linked directly to your mortgage balance. The more you have in the bank, the lesser interest you pay, thereby allowing you scope to reduce your repayment burden without actually paying down the loan.

Remortgaging means switching to a new option in order to get better terms. This could become more important if interest rates have gone up, or the current deal is not competitive anymore.

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Frequently Asked Questions

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