Mortgages & home loans in Dubai, made simple.
Everything you need to finance a home in Dubai — the rates, the rules, the deposit, and the fastest route to approval. We compare every major UAE lender so you get the right home loan, not just the first one.
- Loan amount
- AED 1,200,000
- Total interest
- AED 750,257
- Total repayable
- AED 1,950,257
Typical minimum monthly income for a Dubai mortgage.
For UAE residents on a first home under AED 5M (75% above).
Subject to a maximum age at the end of the term.
DLD, agency, valuation and mortgage-registration fees.
How to get a mortgage in Dubai
Getting a home loan in Dubai follows a clear path. With YOUAE managing it, you speak to one advisor from your first question to your keys.
- Get pre-approved. We assess your income, residency and commitments, then confirm what you can borrow — usually within a few days.
- Find your property and sign the MOU. With pre-approval in hand, you can negotiate with confidence.
- Valuation and final offer. The bank values the property and issues a formal offer letter.
- Transfer at the DLD. The mortgage is registered and ownership transfers to you.
Dubai mortgage rules you should know
- Loan-to-value (LTV): residents can borrow up to 80% on a first home under AED 5M (75% above); non-residents typically 50–75%; off-plan is capped near 50%.
- Debt burden ratio (DBR): total monthly repayments are capped at 50% of your income by the UAE Central Bank.
- Upfront fees (~7%, paid in cash): 4% DLD transfer, ~2% agency, 0.25% mortgage registration, plus valuation and arrangement fees. Under current rules these can no longer be added to the loan.
- Tenure & age: up to 25 years, subject to a maximum age at the end of the term.
Compare Dubai mortgage rates by bank
Every lender prices differently by profile. We compare them all — but you can explore each on our UAE bank mortgages pages, including Emirates NBD, FAB, ADCB, HSBC and Dubai Islamic Bank.
Who we help
Whatever your situation, there’s a route to a Dubai home loan:
- Residential buyers — your first or next home.
- Non-residents buying from abroad.
- Expats and self-employed / freelancers.
- Commercial and offset mortgage needs.
Dubai mortgage FAQs
Can expats and non-residents get a mortgage in Dubai?
Yes. UAE-resident expats can typically borrow up to 80% of the property value, and non-residents living abroad can usually access 50–75% with a larger deposit and slightly higher rates. YOUAE specialises in both.
How much deposit do I need for a home loan in Dubai?
For a first home under AED 5 million, UAE residents generally need a 20% deposit (25% above AED 5M). Non-residents usually need 25–50%. Fees of around 7% are paid separately, in cash.
What is the minimum salary for a mortgage in Dubai?
Most banks look for a minimum monthly income of around AED 15,000 for salaried applicants, though some products start lower. Self-employed applicants are assessed on business income and bank statements.
What are current mortgage rates in Dubai?
Fixed rates currently start from around 3.89% for strong salary-transfer profiles, with variable rates tracking EIBOR (3-month EIBOR is 3.83%). Your exact rate depends on your profile and the lender.
How long does a mortgage take in Dubai?
Pre-approval usually takes 3–5 working days. From pre-approval to final offer and property transfer, most cases complete within 3–6 weeks depending on the lender and valuation.
Do I need a mortgage broker in Dubai?
A broker compares the whole market for you, places tougher cases, and manages the paperwork end to end — often securing a sharper rate than applying to a single bank. YOUAE’s advice is free and no-obligation.
Ready to finance your Dubai home?
Free, no-obligation advice. We compare every major UAE lender and manage it end to end.