Explore mortgage options for buying, refinancing, or investing in the UAE, with guidance tailored to your circumstances.
Choose the closest match. We will show what matters most and set up your enquiry to suit.
Start with what you can comfortably afford.
Before you view properties, it helps to know your likely borrowing range, the deposit you will need and the one-off costs that sit on top of it.
Plan the next purchase around your existing commitments.
Lenders look at all of your current borrowing, so an existing mortgage changes how much you can take on and how the new loan is structured.
See whether moving your mortgage still makes sense.
A lower headline rate is only part of the picture. Early settlement fees, new arrangement costs and the remaining fixed period all affect whether a switch is worthwhile.
Borrow against a property you already own.
If your property has built up value, some lenders will let you raise funds against it. The amount depends on its current valuation, any existing loan and your income.
Finance a UAE property while living abroad.
Fewer lenders offer non-resident mortgages, and their criteria are usually stricter. Preparing documents early makes the process far smoother at a distance.
Structure finance for offices, retail or mixed-use property.
Commercial lending is assessed differently from home loans, with more focus on the property, its income and the strength of the business or investor behind it.
Estimate repayments, explore your buying budget, or compare options. Open the Advanced Calculator for a detailed breakdown.
Illustrative only. Your lender confirms the actual figures.
A future rate is an assumption, not a forecast or an offer. Your lender sets the rate that applies after a fixed period.
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AED 8,884
Mortgage amount: AED 1,600,000
Hover, tap or use the arrow keys to see each year.
Adding AED 100,000 to your deposit would reduce your loan by AED 100,000 and your monthly payment by AED 555.
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01Home purchase & first-time buyersGuidance for buying a home in the UAE, whether it is your first property or your next one. Tell us about your plans and we will outline the steps that apply to you.
02Non-resident & expatriate mortgagesSupport for buyers living outside the UAE, and for expatriate residents with less straightforward income.
03Refinancing & mortgage transfersReviewing your existing mortgage to see whether a move to a different product or lender is worthwhile.
04Remortgage & equity releaseRaising funds against a property you own, either by remortgaging or by borrowing against an unencumbered property.
05Commercial property financeFinance for offices, retail units, warehouses and other commercial property, for owner-occupiers and investors.
06Building financeFinance for buying or refinancing a completed building, such as an investment block or a commercial building. It is separate from construction funding, which pays for building work.
07Warehouse financeFinance for buying or refinancing warehouse property, including storage and logistics premises, for owner-occupiers and investors.
08Labour camp financeFinance for buying or refinancing labour accommodation property, where the property is used or let as housing for workers.
09Construction financeExploring finance for building a property on land you own, typically released in stages as work progresses.
10Handover property financingFinancing the remaining balance on a property as it reaches handover from the developer.
We start with your income, commitments, residency and timeline, so the options we discuss genuinely fit.
Fixed or variable, term length, deposit level: we set out the trade-offs plainly, in writing if you prefer.
We tell you which documents a lender needs, check them with you and present a clear, complete file.
We handle the back-and-forth with the bank and valuers so questions are answered quickly.
You will know what stage you are at, what happens next and what, if anything, is needed from you.
A conversation with us about your plans. No documents, no commitment.
Issued by a bank after it reviews your application. Conditional and time-limited.
A short enquiry about the property, your residency and your income. No documents at this stage.
We talk through affordability, deposit and costs, and highlight anything a lender is likely to ask about.
We compare products that fit your situation and explain the trade-offs between them.
We help you assemble documents and submit to the bank. The bank may then issue a pre-approval, subject to its conditions.
We coordinate with the lender through valuation and final offer, and keep you informed up to transfer.
Featured guide · 3 min readUnderstanding purchase costsThe deposit is only part of the cash you will need when you buy. Planning for the full amount avoids surprises at transfer.No. An initial enquiry only needs a few details about your plans and how to contact you. We will explain which documents a lender needs if and when you decide to proceed.
No. It is an illustrative estimate based on the figures you enter. Rates, fees and the amount a bank will lend are set by the lender after its own assessment.
An enquiry is a conversation with us. A pre-approval is issued by a bank after it has reviewed your application, and it is usually conditional and time-limited.
No. Approval decisions are made by lenders. Our role is to help you understand your options, prepare a clear application and coordinate the process.
Not automatically. Lenders assess off-plan and near-handover properties project by project, often considering the stage of construction. We can check what may be available for a specific unit.
Yes, we can help non-resident buyers explore the lenders that consider applications from outside the UAE. Criteria are typically stricter than for residents.
BuyingBuying your first home in Dubai with a mortgage: a step-by-step guideFrom working out what you can borrow to collecting your keys at the Dubai Land Department, here is the whole journey in order — with the costs and documents at each stage.Read article 
CostsThe real cost of buying property in Dubai: every fee explainedThe deposit is only the start. Here is every fee you are likely to pay when you buy with a mortgage in Dubai, with a fully worked example on an AED 2 million home.Read article 
RatesFixed or variable? How EIBOR affects your UAE mortgage paymentsWhat EIBOR is, how banks build your rate, what happens when a fixed period ends — and how much a one-point rate change really costs.Read article Four short steps, about two minutes. An advisor will come back to you to talk it through. No documents needed.
