Mortgage & Property Insights
Expert insights, market updates, and practical guides to help you navigate the UAE property market with confidence.
ADIB vs Emirates NBD Mortgages for Expats: How to Compare the Offers
Compare ADIB Ijarah home finance with Emirates NBD conventional mortgages using contract, eligibility and total-cost checks for UAE expatriates.
ADIB Home Finance Buyout: Current Offer, Fees and Switching Checklist
Understand ADIB's published buyout offer, the regulated early-settlement cap and the written confirmations needed before switching an existing mortgage.
How Much Deposit Do You Need to Buy Property in Dubai? 2026 Guide
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.
UAE Early Settlement Fee: How to Calculate Your Cost and When to Switch
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.
UAE Debt Burden Ratio (DBR): The 50% Rule That Determines Your Mortgage
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.
Fixed vs Variable Mortgage Rates in UAE: Which Should You Choose?
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.
Documents Required for a UAE Mortgage: Complete Checklist
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.
Can Expats Get a Mortgage in UAE? Everything You Need to Know
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.
Down Payment Requirements in Dubai: How Much Do You Really Need?
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.
How to Get a Mortgage in the UAE: Step-by-Step Guide for 2026
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.
Minimum Salary for a Mortgage in UAE: What Banks Actually Require
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.
True Cost of Buying Property in Dubai: Every Fee Explained
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.