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.
Key advantages
The minimum monthly salary requirements to apply for a mortgage in the UAE start from AED 15,000. However, some banks may accept lower incomes if your debt burden ratio (DBR) is favourable.
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 & 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.
Key advantages
Eligibility check and personalized mortgage planning
Bank comparison to secure the best rates and terms
Pre-approval support and complete document submission
Valuation coordination and guidance through bank approval
Full support until DLD trustee transfer and ownership handover
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!