Mortgage Hub blog
Mortgage decisions, explained clearly.
In-depth articles on buying, costs, rates and financing in Dubai — written to help you prepare before you speak to a lender. General information, not personal advice.
BuyingDebt burden ratio: how UAE banks work out how much you can borrowYour salary is not the whole story. UAE lenders cap your monthly debt payments at 50% of income and stress test the loan, so existing commitments change the amount you can borrow.Read article 
BuyingLoan-to-value limits for UAE mortgages: how much deposit each buyer needsThe Central Bank sets the maximum loan as a share of the property value. Your deposit depends on whether you are a UAE national or expatriate, the price, and whether this is your first home.Read article 
RatesSwitching your mortgage in the UAE: comparing the real cost of a balance transferA lower rate can still leave you worse off once settlement fees, registration and new lender costs are counted. Here is how to compare a switch properly, with the fee caps that apply.Read article 
BuyingSelf-employed and business owner mortgages in the UAE: how income is assessedLenders need evidence that your income is reliable and sustainable. For self-employed buyers, that usually means well-organised business records rather than a payslip.Read article - 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 
Non-residentsHow non-residents can get a mortgage in DubaiLiving abroad does not rule out financing a Dubai property. What lenders look for, how much deposit you will need and how the process works at a distance.Read article 
Off-planOff-plan and handover financing in Dubai: what to know before completionBought off-plan and the handover payment is approaching? How banks finance the balance, why valuations matter and when to start the process.Read article