Home Purchase Mortgages UAE — Buy Property in Dubai with Mortigo

Mortigo is Dubai's AI-powered mortgage broker, helping UAE residents and expats secure competitive home purchase mortgage rates across 15+ major UAE banks simultaneously. Whether you're buying a villa, apartment, townhouse, or off-plan property, we find you the best deal fast.

Best Home Purchase Mortgage Rates UAE (2026)

Property TypeMin Down PaymentMax LTVRate From
Ready property (expat)20%80%3.5% p.a.
Ready property (UAE national)15%85%3.5% p.a.
Off-plan property (expat)50%50%3.8% p.a.
Properties above AED 5M30%70%3.7% p.a.

How Mortigo's Home Purchase Mortgage Process Works

  1. Apply online — complete our secure form in under 10 minutes
  2. AI matching — our system identifies the best UAE banks for your profile
  3. Pre-approval in 48 hours — receive pre-approval letters from multiple banks
  4. Bank comparison — your Mortigo advisor presents all offers side-by-side
  5. Mortgage completion — we handle all documentation and bank communication through to key handover

UAE Home Purchase Mortgage for Expats

Mortigo specialises in expat mortgage applications. We work with UAE banks offering the most favourable expat terms: Emirates NBD, ADCB, FAB, ADIB, CBD, and more. Expats in the UAE can typically borrow up to 80% of the property value (for properties under AED 5 million).

Islamic Home Finance — Sharia-Compliant Options

Mortigo arranges both conventional mortgages and Sharia-compliant Islamic home finance products (Murabaha and Diminishing Musharaka) through ADIB, DIB, Emirates Islamic, and other Islamic banks in the UAE.

Property Types We Finance

  • Apartments and studios in Dubai, Abu Dhabi, Sharjah, and across UAE
  • Villas and townhouses in gated communities
  • Off-plan properties from major developers (Emaar, DAMAC, Nakheel, and more)
  • Commercial properties and investment portfolios

UAE Home Purchase Mortgage Eligibility

  • Valid UAE residence visa (for expats)
  • Minimum monthly salary: AED 15,000 (salaried) or AED 25,000 (self-employed)
  • Minimum 6 months employment with current employer
  • Clean credit history (no defaults or bounced cheques in the past 12 months)
  • Debt Burden Ratio (DBR) under 50% of monthly income

Why Choose Mortigo for Your UAE Property Purchase?

  • 15+ bank partners — the widest coverage in the UAE
  • 48-hour pre-approval — faster than any bank direct
  • Zero broker fees — we're compensated by banks, not you
  • Bilingual advisors — English and Arabic support
  • End-to-end service — from application to DLD registration

Get Your UAE Mortgage Today

Phone & WhatsApp: +971 50 729 7196 | Email: info@mortigo.ae

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