Mortgage FAQ's
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Need help understanding your mortgage options? Get clear answers from the experts.
A mortgage in the UAE is a type of loan used to finance the purchase of a property. It’s secured against the property itself, and you repay it over time with interest to the lender (usually a bank or financial institution).
Both UAE residents and non-residents can apply. You must be at least 21 years old and meet the lender’s income and employment criteria.
Most banks require a minimum monthly salary of AED 10,000 for salaried individuals. However, it may vary depending on the lender and the mortgage type.
Yes. Expatriates can apply for a mortgage to buy property in designated freehold areas across the UAE. Lending terms may differ slightly from those offered to UAE nationals.
For expatriates, the minimum down payment is usually 20% of the property’s value. For UAE nationals, it starts from 15%. Higher-value properties may require a larger deposit.
Want to learn more about our mortgage solutions or how to buy a home in the UAE?
Key documents include:
Passport and Emirates ID (for residents)
Salary certificate or trade license (if self-employed)
Recent bank statements (3–6 months)
Proof of income and address
Property documents (once selected)
Yes. Self-employed applicants must provide business financials, a valid trade license, and bank statements proving consistent income.
Pre-approval typically takes 3–5 working days. Final mortgage approval, including property valuation and processing, can take 1–3 weeks depending on the bank and documentation.
Mortgage pre-approval is a bank’s conditional agreement to lend you a certain amount. It helps you:
Understand your budget
Negotiate confidently with sellers
Speed up the buying process
We work with top banks to offer the best rates
Personalized support from mortgage experts
Fast pre-approvals
Resident & non-resident options
Transparent, hassle-free process
