Mortigo's mortgage specialists publish comprehensive guides, market updates, and practical advice to help UAE residents and expats navigate the home loan process in Dubai and across the Emirates.
01-04-2026 · 14 min read
Everything you need to know about applying for a mortgage in the UAE — from eligibility and documents to bank selection, property valuation, and final offer. Your complete 2026 guide.
01-04-2026 · 11 min read
The minimum down payment in Dubai depends on your nationality, property price, and whether it's off-plan. Here's the complete breakdown of UAE Central Bank LTV rules plus all the fees you need to budget for.
01-04-2026 · 10 min read
Most UAE banks require a minimum monthly salary of AED 10,000–15,000 for mortgage approval, but the more important question is how much you can borrow. Here's exactly how the UAE Central Bank's DBR rules work.
01-04-2026 · 12 min read
The true cost of buying property in Dubai goes far beyond the purchase price. DLD fees, mortgage registration, agent commission, valuation, and bank fees add 6–8% to your costs. Here's every fee explained.
02-04-2026 · 10 min read
Get your UAE mortgage documents in order before you apply. This complete checklist covers everything banks require — from passport and salary certificates to bank statements and property documents.
02-04-2026 · 12 min read
Over 80% of UAE residents are expats, and all can access UAE mortgages. Here's the complete guide to expat mortgage eligibility, documentation, and the best banks for different nationalities.
03-04-2026 · 11 min read
Most UAE mortgages start with a fixed rate, then switch to variable (EIBOR + margin). Understanding which to choose — and when — can save you tens of thousands of dirhams over your loan term.
03-04-2026 · 11 min read
The UAE Central Bank's 50% Debt Burden Ratio (DBR) rule is the single biggest factor in how much mortgage you can get. Here's exactly how it works — and how to maximise your eligible loan amount.
09-04-2026 · 9 min read
Thinking of paying off your UAE mortgage early or switching to a better rate? The early settlement fee is capped by law but the maths still matters. Here's exactly how to calculate your breakage cost and decide whether switching saves money.
09-04-2026 · 10 min read
Many Dubai property buyers underestimate the total upfront cash required. It's not just the deposit — you also need to budget for DLD transfer fees, agent commissions, mortgage fees, and insurance. This guide shows the complete picture for 2026.
25-06-2026 · 6 min read
A handover mortgage allows salaried residents in the UAE to finance the final payment on an off-plan property once construction is complete and the unit is ready for transfer. Unlike construction-stage financing, which is generally capped at 50% loan-to-value, a handover mortgage can provide up to 80% financing for eligible resident expats on a first property under AED 5 million and up to 85% for UAE nationals. In this 2026 guide, we explain how handover mortgages work, who qualifies, minimum salary requirements, Debt Burden Ratio (DBR) rules, loan-to-value limits, interest rates, fees, required documents, and the step-by-step application process. Whether you’re approaching handover in Dubai or Abu Dhabi, understanding your financing options early can help you avoid delays, meet developer deadlines, and secure the most competitive mortgage terms available. Proper planning and pre-approval can make the transition from off-plan buyer to homeowner significantly smoother and more affordable.
04-06-2026 · 10 min read
Facing a large final payment on your off-plan property? Learn how a handover payment mortgage works in the UAE, how much you can borrow under the 50% off-plan LTV cap, what it costs in 2026, and the step-by-step process to secure financing before your developer's deadline.
Mortigo's advisors compare 15+ UAE banks to find the best rate for your profile. Get pre-approved in 10 minutes — free service, no obligation. Start your application or WhatsApp +971 50 729 7196.
Expert insights, market updates, and practical guides to help you navigate the UAE property market with confidence.