Mortgage in Dubai for Residents, Expats & Non-Residents
Get the right home loan for your Dubai property without the paperwork stress. Asset Homez checks your eligibility, compares mortgage offers from UAE banks and guides you from pre-approval to the day you receive your title deed – for ready and off-plan property.
- Residents & non-residents
- Ready & off-plan property
- Salaried & self-employed
How much can you borrow in Dubai?
Limits are set by the UAE Central Bank; individual banks may apply stricter criteria.
Dubai mortgage calculator
Estimate your monthly repayment and the cash you need upfront. Adjust the property price, down payment, interest rate and loan term.
The interest rate is an example only – actual rates depend on the bank, your profile and EIBOR. Non-residents usually need a 40–50% down payment.
- Loan amount
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- Down payment
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- DLD transfer fee (4%)
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- Mortgage registration (0.25% + AED 290)
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- Trustee fee & bank valuation (approx.)
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- Estimated cash needed upfront
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Estimate only. Excludes agent commission on resale homes, bank arrangement fees and insurance.
How to get a mortgage in Dubai in 5 steps
Check eligibility
We review your income, existing debts and residency status to see how much you can borrow.
Get pre-approval
We compare offers from UAE banks and secure a pre-approval, so you know your budget before you make an offer.
Choose your property
Shortlist ready or off-plan homes that fit your approved budget and the bank’s criteria.
Valuation & final offer
The bank values the property and issues the final offer letter once your documents are complete.
Transfer & registration
The mortgage is registered with the Dubai Land Department at transfer, and you receive your title deed.
Mortgage rules for expats and non-residents
| Buyer | Maximum loan-to-value | Minimum down payment |
|---|---|---|
| Resident expat, first home under AED 5M | 80% | 20% |
| Resident expat, first home AED 5M and above | 65% | 35% |
| Second or investment property | 60% | 40% |
| Non-resident | 50–60% | 40–50% |
Many banks lend only up to about 50% on off-plan property, and some do not finance off-plan at all. Read more in our guide on how to invest in Dubai real estate.
Documents you need for a Dubai mortgage
Salaried residents
- Passport, UAE visa and Emirates ID
- Salary certificate
- Latest payslips
- 3–6 months’ bank statements
Self-employed
- Passport, UAE visa and Emirates ID
- Trade licence and memorandum of association
- 6–12 months’ personal and company bank statements
- Audited company financials
Non-residents
- Passport
- 6 months’ bank statements
- Proof of income
- Proof of address and, for some banks, a credit report
Exact requirements vary by bank – we will give you a checklist for your situation.
Why choose Asset Homez for your mortgage?
A trusted name in Dubai real estate
Reliable, professional advice backed by in-depth knowledge of the Dubai property market.
Bank partnerships & competitive rates
We work with leading UAE banks to find mortgage terms that suit your budget and plans.
Expert guidance, tailored to you
We assess your eligibility, compare offers and handle the paperwork with you, step by step.
Residents & non-residents
Whether you live in the UAE or invest from abroad, we find mortgage options that fit your profile.
Dubai mortgage FAQs
Can non-residents get a mortgage in Dubai?
Yes. Many UAE banks lend to non-residents, usually up to 50–60% of the property value, so you will need a down payment of 40–50% plus buying costs.
What is the minimum down payment for a mortgage in Dubai?
Resident expats buying a first home under AED 5 million need at least 20%. It rises to 35% for homes of AED 5 million or more, 40% for a second or investment property, and typically 40–50% for non-residents.
Can I get a mortgage for an off-plan property?
Some banks finance off-plan property, usually at a lower loan-to-value of up to about 50%, and others do not finance off-plan at all. We will show you which options fit the project you are buying.
How long can a mortgage be in the UAE?
The maximum mortgage term is 25 years. Banks also set an age limit at the end of the loan – typically 65 for salaried borrowers and 70 for the self-employed.
What costs should I budget for besides the down payment?
Plan for the 4% DLD transfer fee, mortgage registration (0.25% of the loan plus about AED 290), a bank valuation (around AED 2,500–3,500), a bank arrangement fee (up to 1% of the loan) and life and property insurance.
How much can I borrow for a home in Dubai?
It depends on your income and existing debts. Your total monthly debt repayments cannot exceed 50% of your income, and the loan cannot exceed the loan-to-value limit for your situation. Use the mortgage calculator above or ask us for an eligibility check.
Does a mortgaged property qualify for the UAE Golden Visa?
A property worth AED 2 million or more can qualify for a 10-year Golden Visa, including mortgaged property, subject to conditions such as a no-objection letter from the bank. See our UAE Golden Visa property guide.
Talk to a mortgage advisor today
Tell us your budget and the property you are interested in, and we will come back with your mortgage options.