Trusted by 15,700+ homebuyers and investors
Tailored Mortgage & Property Finance Solutions in Dubai
Expert UAE mortgage brokers helping UAE nationals, resident expats and overseas investors secure competitive home and investment loans.
Dubai Mortgage Experts
Why Choose Premier Finance.
Independent Broker with Access to Leading UAE Banks
We help you compare top UAE bank offers to secure better mortgage rates.
Personalized Strategy & Approval Support
Our mortgage consultants in Dubai guide you through the entire loan process, from eligibility assessment to completion.
Transparent Process & Clear Advice
We explain every requirement, term and cost of your home loan upfront, so there are no surprises later.
Our Services
Mortgage Services in Dubai,
Matched to How You Buy
Whether you are buying a finished home, a plot, an off-plan unit or an income-producing asset, each purchase suits a different lender. We compare offers from leading UAE banks and arrange the finance that fits how you are buying.
Consult an Expert
Get StartedReady Property Loans
Finance for completed, handover-ready property in Dubai. We compare leading UAE lenders and help you get pre-approved before you make an offer.
Get StartedMortgage Buyout & Cash Out
Move your mortgage to a lender with a better rate or release equity from a property you already own, without selling it.
Get StartedCommercial Mortgages
Finance for offices, retail units, warehouses and mixed-use property. We structure each loan around your tenancy contracts and rental income.
Get StartedOff-Plan Finance
Buying a property still under construction? We match your finance to the developer’s payment plan and the construction milestones lenders will fund, up to handover.
Get StartedNon-Resident Loans
Buying from abroad? We work with UAE lenders that finance overseas buyers and handle the cross-border paperwork for you.
Get StartedLand Finance
Plot purchase and construction finance for buyers planning to build. Funds are released in stages to match your build schedule.
The Process
Mortgage Approval Made Easy
- 1
Consultation
We discuss your goals, check your eligibility and review the documents you need.
- 2
Pre-Approval
We shortlist the best-fit mortgage options and submit your application to lenders for pre-approval.
- 3
Finalize & Transfer
We coordinate the final offer, valuation and property transfer with the bank and the Dubai Land Department (DLD).
- 4
Funds Release & Ongoing Support
The bank releases the funds to the seller or developer, and we stay on hand for rate reviews and refinancing.
Who You’re Dealing With
We Came from the Other Side of the Desk.
Built Inside UAE Banks
Our advisors spent their careers in credit, underwriting and mortgage lending at leading UAE banks.
We Know How a File Is Read
After years on the approving side, we know what a credit committee checks first and what gets an application rejected. Every case we submit is prepared the way the bank expects to receive it.
Fewer Surprises, Fewer Declines
Most declines can be spotted before an application is submitted. We flag and fix these issues early, which gives your application a stronger chance of approval the first time.
Comparison
Premier Finance vs. Banks
We compare mortgage offers from leading UAE banks and handle the paperwork for you, so UAE nationals, residents and non-residents can find the right deal without visiting each bank.
Bank
- Limited to its own mortgage products
- Restricted by the bank’s internal lending policies
- Written offers can be slow and hard to obtain
- Can’t tell you whether another bank would offer you better terms
- Limited options for self-employed and non-resident borrowers
- No independent adviser to guide you through the process
- A relationship manager applying the policy they are given
- Access to leading UAE banks
- Clear and transparent service
- Support for salaried, self-employed and non-resident borrowers
- A dedicated team managing your case through to completion
- Exclusive broker offers and discounts
- In-depth knowledge of the Dubai property market
- Independent advice on which bank suits your case best
Real-Time Market Insights
Latest Mortgage Rates in the UAE
Stay informed with our latest analysis and insights into the current mortgage market trends, rates, and opportunities in the UAE.
3.75% fixedfor 1 year
Salary Transfer Required
3.89% fixedfor 2 years
Salary Transfer Required
3.99% fixedfor 3 years
Salary Transfer Required
Mortgage Calculator
How Much Can You Borrow in Dubai?
Loan Amount
AED 800,000
Monthly Payment
AED 4,113
DLD transfer fee (4% + AED 580)AED 40,580
Mortgage registration (0.25% + AED 290)AED 2,290
About Premier Finance
Premier Finance is an independent mortgage broker in Dubai and the mortgage arm of Provident Real Estate. We work with leading UAE banks to arrange home loans for buyers living in the UAE and abroad.
Before you apply, we explain the rules that decide your loan, including loan-to-value (LTV) limits and the Central Bank’s 50% debt burden ratio (DBR) cap, so you know how much you can borrow from day one.
Our aim is clear, honest mortgage advice that gets you the right loan for your purchase.
Our Partners
Partnering with Top Banks in the UAE and Beyond
We work with more than 20 UAE banks, so we can compare offers across the market and match you to the lender that suits your profile.
Frequently Asked Questions
24/7 Support
Got questions? Our team is just a click away!
Can non-residents get a mortgage in the UAE?
Yes. Several UAE banks lend to buyers who live abroad and don’t hold a UAE residence visa. The down payment is higher than for residents, and banks ask for more documents to verify overseas income.
What proof of income is needed for overseas applicants?
Salaried applicants usually need a salary certificate or employer letter, recent payslips and 6 to 12 months of personal bank statements. Self-employed applicants need company registration documents, audited accounts and business bank statements. Some banks also ask for a credit report from your home country.
Does the UAE have special requirements for foreign property investors?
Foreign buyers can own freehold property in designated areas of Dubai. Investors who need a mortgage face lower borrowing limits, higher income requirements and stricter document checks than UAE residents.
What is the maximum loan-to-value (LTV) for non-residents in the UAE?
The Central Bank does not set a separate cap for non-residents, so each bank decides. Most lend between 50% and 60% of the property value on ready homes, which means a down payment of 40% to 50%. Off-plan purchases are capped at 50% for all buyers.
What is the minimum age to apply for a mortgage in the UAE?
Most UAE banks require you to be at least 21. There is also an upper limit: the loan must be fully repaid by age 65 for expats and 70 for UAE nationals.
Can I get a mortgage if I’m self-employed in the UAE?
Yes. Banks usually ask for a valid trade licence, at least two years of trading history, audited financial statements and 6 to 12 months of personal and company bank statements. Your income is assessed on what the business has earned over that period.
What are the mortgage interest rates in the UAE?
Fixed rates currently start from around 3.75% for a one-year fix. Variable rates are linked to EIBOR plus a bank margin. Your rate depends on your income, down payment and whether you transfer your salary to the lender.
What documents are required to apply for a mortgage in the UAE?
Residents need a passport, residence visa, Emirates ID, salary certificate, recent payslips and six months of bank statements. Self-employed applicants also need a trade licence and audited accounts. Once you choose a property, the bank will ask for the sale agreement (MOU) or the developer’s sale contract.
Is mortgage insurance required in the UAE?
Yes. UAE banks require life insurance on every mortgage, so the loan is covered if the borrower dies or becomes permanently disabled. Most banks also require property insurance for the length of the loan.
How long does it take to get approved for a mortgage in the UAE?
Pre-approval usually takes 3 to 7 working days once all documents are submitted. The full process, from valuation and final offer to property transfer at the Dubai Land Department, typically takes three to six weeks.
Still Have Questions?
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