Expats Guide to Mortgages in Dubai: Everything You Need to Know
September 24, 2025
Introduction As an expat, you might be surprised to know that getting a mortgage in Dubai is easier than ever in 2025. Key Eligibility for
Get expert mortgage advice, quick approvals, and solutions that fit your life.
We begin by assessing your income, liabilities, and credit history to determine your mortgage eligibility with precision.
Your dedicated advisor accesses offers from 28 partnered banks to present transparent, personalized financing solutions.
We handle the paperwork and bank coordination, ensuring a smooth, stress-free pre approval experience.
From loan approval to property transfer, we guide you through every step—until the keys are in your hand.
We begin by assessing your income, liabilities, and credit history to determine your mortgage eligibility with precision.
Your dedicated advisor accesses offers from 28 partnered banks to present transparent, personalized financing solutions.
We handle the paperwork and bank coordination, ensuring a smooth, stress-free pre approval experience.
From loan approval to property transfer, we guide you through every step—until the keys are in your hand.
Join thousands of satisfied homeowners who’ve trusted us to simplify their home financing journey. With two decades of proven experience, we deliver expert advice, fast approvals, and exclusive access to top lending institutions.
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Whether you're a UAE resident, an international buyer, or a business owner seeking financing, we’ve got you covered. Our expert advisors simplify the process, helping you secure the best mortgage or refinancing options tailored to your unique needs.
Answer: The process is simple. You can start by completing our online mortgage application form or contacting our advisors directly. We’ll first assess your eligibility, review your income and credit history, and then submit your application to the bank. From there, we manage the approval process until your mortgage is finalized.
Answer: Typically, banks in the UAE require:
Requirements can vary slightly between banks, but we’ll guide you through exactly what’s needed.
Answer: Banks in the UAE assess eligibility based on your income, employment stability, credit history (AECB credit report), age, existing financial commitments, and the property value. Typically, your monthly mortgage payment should not exceed 50% of your income after deducting other liabilities.
Answer: Interest rates in the UAE vary by bank and applicant profile. Rates can be fixed (usually 2–5 years) or variable, linked to EIBOR (Emirates Interbank Offered Rate). Currently, mortgage rates start from around 3.99% p.a. for eligible applicants, but your exact rate will depend on the bank, loan amount, and profile.
Introduction As an expat, you might be surprised to know that getting a mortgage in Dubai is easier than ever in 2025. Key Eligibility for
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Introduction As the UAE continues to grow, its mortgage market evolves too. What can buyers and investors expect beyond 2025? Expert Predictions Stable rates with