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Mortgages
Mortgages we arrange
All of them follow the same Central Bank limits on deposit, term and debt. What changes is which banks will lend, and on what terms.
Financing on a first home: Up to 80%Home purchase mortgageFor residents buying a ready apartment, townhouse or villa.Explore
Typical financing: 50% to 60%Non-resident mortgageFor buyers who live and earn outside the UAE.Explore
Early settlement fee: 1%, max AED 10,000Refinance and balance transferMove your mortgage to a lower rate or better terms.Explore
Based on: Today's bank valuationEquity releaseBorrow against a property you already own.Explore
Financing while building: Up to 50%Off-plan and under-construction mortgageFor properties still being built.Explore
Financing on a first home: Up to 80%Developer payment and handover financePay the developer at handover, or refinance a payment plan.Explore
Typical financing: 50% to 60%Commercial property mortgageFor offices, shops, warehouses and other commercial units.Explore
Financing on a first home: Up to 85%Mortgages for UAE and GCC nationalsHigher financing limits and longer terms for nationals.Explore
Suited to: 2 or more propertiesPortfolio consolidationFor investors with several mortgages across different banks.Explore
Financing on a first home: Up to 80% (85% nationals)Islamic home financeSharia-compliant home finance, compared across Islamic banks.Explore
Markets: Selected countriesInternational property financeFor UAE residents buying property outside the UAE.Explore
Maximum financing under Central Bank rules
Loan-to-value limits for completed property. Off-plan property is capped at 50% for everyone while under construction. Non-resident limits are set by each bank, usually 50% to 60%.
| Buyer | First home up to AED 5M | First home above AED 5M | Second home |
|---|---|---|---|
| UAE national | 85% | 75% | 65% |
| Expat resident | 80% | 70% | 60% |
Maximum term 25 years. The loan must end by age 65 for expats and 70 for UAE nationals.
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