Practical advice on buying property in Dubai and across the UAE. Down payments, DLD fees, property valuation, and how to navigate the purchase process.
1 April 2026·14 min read·By Mortigo Editorial Team
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.
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.
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.
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.
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.