Ready Property Mortgages in Dubai
for UAE Residents

For a first home under AED 5 million, expat residents need a minimum deposit of 20% and UAE nationals need 15%. Above AED 5 million, the minimum rises to 30% for expats and 25% for nationals. Second homes and investment properties need a larger deposit.

The DBR is the share of your monthly income that goes on debt repayments. UAE Central Bank rules cap it at 50% of your gross monthly income. That includes your new mortgage, car and personal loans, and a share of your credit card limits.

Banks look at your income, how long you have been with your current employer, your existing debts and your credit score from the Al Etihad Credit Bureau (AECB). They also check that your repayments keep you within the 50% DBR limit and that the property meets their lending criteria.

No. Salary transfer mortgages usually come with lower rates. Banks also offer non-salary transfer options at a slightly higher rate.

A pre-approval is usually valid for 60 to 90 days. If you don’t find a property within that time, we can renew it with updated documents.

Tell your bank as soon as your new job is confirmed. If your mortgage is linked to a salary transfer, you will need to move your new salary to the same bank.

You must keep up your monthly repayments. Some banks review the loan under non-resident terms, so talk to your bank before you leave.

Yes. Many banks allow partial prepayments up to a set limit each year. If you settle the full loan early, the fee is capped at 1% of the outstanding amount or AED 10,000, whichever is lower.

Yes. You can move your mortgage to another bank for a better rate (a mortgage buyout) or release equity from a property you own. For a second property, the minimum deposit is 40% for expats and 35% for UAE nationals.

Foreigners can buy freehold property in designated areas of Dubai and get full ownership of the home and the land. Outside these areas, ownership options for foreigners are limited to leasehold or usufruct arrangements.