Mortgage advisory — UAE
Financing, without the fog
This page covers UAE mortgages specifically — for residents and non-residents alike. We arrange financing alongside the asset, we do not lend, and we show you which constraint actually limits what you can borrow before any bank does. In Oman, Bali, Thailand and the USA, financing routes differ market by market; ask us and we'll map the options for the country you're buying in.
Mortgage estimator
What would it cost each month?
Set the price, down payment, term and rate — the estimate updates as you move them.
Non-residents are typically capped near 60% LTV — at 75% this structure assumes UAE residency or a larger deposit.
Estimated monthly payment
AED 12,506
per month
- Loan amount
- AED 2,250,000
- Loan-to-value
- 75%
- Total interest over 25 yrs
- AED 1,501,869
- Total repaid
- AED 3,751,869
Indicative only. Lending is subject to bank approval, valuation and status.
01
Know your ceiling first
Maximum borrowing, deposit, monthly repayment and total upfront cash — we work out which constraint actually limits you before any bank does, so the shortlist is built on what you can really finance.
- Borrowing ceiling calculated up front
- Deposit, fees and total upfront cash mapped
- Monthly repayment stress-tested
02
Non-resident financing
You do not need UAE residency to borrow. Non-residents can finance completed property at up to roughly 60% loan-to-value, subject to profile — we handle eligibility, documents and the timeline.
- Up to ~60% LTV on completed property
- Document checklist prepared in advance
- Clear timeline from pre-approval to transfer
03
Off-plan finance
Off-plan is financed in two stages: developer instalments during construction, then a mortgage at handover. We explain the valuation gap — the difference between what you paid and what the bank will lend against — before you commit.
- Staged plan: instalments, then handover mortgage
- Valuation gap explained before you sign
- Payment plan matched to your cash flow
Lending is subject to bank approval, valuation and status. Figures quoted are indicative and do not constitute an offer of credit.
Questions
Mortgage questions, answered straight
Can a non-resident get a mortgage in the UAE?
Yes. You do not need UAE residency to borrow. Non-residents can typically finance completed property at up to around 60% loan-to-value, subject to profile, income documentation and bank approval. We prepare the document checklist and timeline before you commit.
How much can I borrow against a completed property?
UAE residents can generally borrow up to 80% of the property value on a first home (75% above AED 5M), while non-residents are typically capped near 60%. The exact ceiling depends on your income, existing liabilities and the bank's valuation of the property.
Can I finance an off-plan purchase?
Off-plan is financed in two stages: you pay developer instalments during construction, then a mortgage can cover the balance at handover. Banks lend against their valuation at handover, not your purchase price — we model this valuation gap before you sign.
What upfront costs should I budget besides the down payment?
Budget roughly 6–7% of the purchase price: the 4% Dubai Land Department transfer fee (2% in Abu Dhabi), agency fee, trustee and registration fees, plus bank arrangement and valuation fees when financing.
How long does mortgage approval take?
Pre-approval typically takes a few days once documents are complete. From signed agreement to transfer, allow three to six weeks for a straightforward completed-property purchase with financing.