Expats Guide to Mortgages in Dubai: Everything You Need to Know
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 Expats Residency visa (or some banks allow non-residents) Salary min AED 10,000/month Down payment 20:30% Benefits for Expats Long-term property investment Residency visa via property ownership Potential rental income Final […]
Top Banks for Mortgages in Dubai 2025: Who’s Offering the Best Deals?
Introduction Choosing the right bank is as important as choosing the right property. Here are the top players in 2025. Leading Banks in 2025 DIB EMIRATES NBD ADIB CBD MASHREQ RAKBANK FAB HSBC UAE What to Compare Interest rates Early settlement fees Processing fees Flexibility for expats Final Thoughts The “best bank” depends on your […]
The Future of Mortgages in the UAE: What Experts Predict Beyond 2025
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 mild decreases as inflation cools Digital mortgage approvals becoming mainstream Stricter compliance on money flows and buyer eligibility More products for expats including long-term mortgages Final Thoughts The future looks […]
Hidden Costs of Buying a Home in Dubai with a Mortgage
Introduction Many buyers budget only for the down payment: but there are hidden costs that can add up to 7:8% of property value. Key Hidden Costs Dubai Land Department fee (4%) Mortgage registration (0.25% of the loan amount in Dubai) Valuation fee (~AED 3,000 & above) Trustee fee (~AED 4,200) Insurance (life & property) Service […]
Refinancing Your UAE Mortgage in 2025: When Does It Make Sense?
Introduction Refinancing is one of the smartest ways to reduce costs on your mortgage: but timing is everything. When Refinancing Makes Sense Interest rates drop Your credit score improves You want to switch from variable to fixed (or vice versa) You’re consolidating debts Costs of Refinancing Exit fees (usually 1% of loan balance or AED […]
10 Mistakes to Avoid When Applying for a Mortgage in Dubai
Introduction Applying for a mortgage is a big step. But one wrong move can cost you time, money, and peace of mind. Here are the 10 biggest mistakes to avoid in Dubai. Top Mistakes Not checking credit score in advance Ignoring pre-approval Underestimating upfront costs Taking on new loans before applying Not comparing banks Forgetting […]
Fixed vs Variable Mortgage Rates in the UAE: Which is Better in 2025?
Introduction Choosing between fixed and variable mortgage rates is one of the toughest decisions buyers face in 2025. Let’s compare the two. Fixed Rate Mortgages Predictable monthly payments Protection from rate hikes Typically slightly higher initial rates Variable Rate Mortgages Potentially cheaper if EIBOR falls Flexible for early repayments Risk of rising payments if rates […]
First-Time Buyer’s Guide: Getting a Mortgage in Dubai Without the Stress
Introduction Buying your first home in Dubai is exciting: but the mortgage process can feel like a maze. Don’t worry. With the right guidance, your journey can be smooth and stress-free. Step 1: Check Eligibility Minimum salary: AED 10,000/month (most banks) Age: 21:70 years old Debt Burden Ratio: monthly loan repayments <50% of income Step […]
How Much Down Payment Do You Need for a Dubai Mortgage in 2025?
Introduction Dreaming of owning a home in Dubai? One of the biggest questions buyers face is: how much money do I actually need upfront? In 2025, the Central Bank of the UAE continues to enforce strict down payment rules that differ for expats and UAE nationals. Let’s break them down. Minimum Down Payment Rules Expats: […]
UAE Mortgage Rules 2025 Explained: What Every Buyer Needs to Know
Introduction Buying a property in the UAE is exciting, but navigating mortgage rules can feel overwhelming: especially with new updates in 2025. Whether you’re a first-time buyer, an expat, or planning an investment, understanding the latest regulations will help you save time and avoid costly mistakes. In this blog, we break down the key UAE […]