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Mortgages in Abu Dhabi

Secure the best mortgage rates for properties in Abu Dhabi's investment zones, from Saadiyat Island to Yas Island.

Abu Dhabi is the UAE capital and offers attractive property investment opportunities with relatively lower prices than Dubai. Foreign nationals can buy in designated investment zones including Saadiyat Island, Yas Island, Al Reem Island, and Al Maryah Island. The market is supported by government initiatives and strong rental yields, making it appealing for both owner-occupiers and investors.

Buying Property in Abu Dhabi

DetailInformation
Average Property PriceAED 900K – 2.8M
Maximum LTV80% (eligible expat residents) / 85% (eligible UAE nationals) for a qualifying first, self-use property under AED 5M
Maximum loan tenure25 years
Minimum salary (salaried)AED 15,000/month
Abu Dhabi Municipality fee2% of property value
Mortgage registration fee0.1% of loan amount

Popular Areas in Abu Dhabi

  • Saadiyat Island
  • Yas Island
  • Al Reem Island
  • Al Raha Beach
  • Khalifa City
  • Al Maryah Island
  • Masdar City

Tips for Buying in Abu Dhabi

  • Abu Dhabi Municipality charges only 2% transfer fee compared to Dubai's 4% — significantly reducing upfront costs.
  • Investment zones allow 100% foreign freehold ownership — check the approved zones list before committing.
  • Government employees often receive preferential mortgage terms from local banks — Mortigo can identify these offers.
  • Abu Dhabi has a mandatory Tawtheeq (tenancy contract registration) system that adds transparency for landlords.
  • Properties on Saadiyat and Yas Islands have shown strong capital appreciation — factor future value into your purchase decision.

Frequently Asked Questions

Can foreigners buy property in Abu Dhabi?

Yes, foreigners can purchase freehold property in designated investment zones including Saadiyat Island, Yas Island, Al Reem Island, and Al Maryah Island.

What are the transfer fees in Abu Dhabi?

Abu Dhabi Municipality charges a 2% transfer fee on property transactions, which is lower than Dubai's 4% rate.

Are Abu Dhabi mortgage rates different from Dubai?

Rates are broadly similar as the same banks operate across both emirates, though individual bank offers may vary slightly. Mortigo compares across all banks.

What is the minimum salary for a mortgage in Abu Dhabi?

Most banks require a minimum monthly salary of AED 15,000 for salaried applicants. Self-employed applicants may have higher thresholds.

Explore Other UAE Locations

Explore Areas by Emirate

Abu Dhabi

Ajman

Dubai

Fujairah

Ras Al Khaimah

Sharjah

Check your eligibility | All UAE Locations | Mortgage Calculator | Compare participating lenders

· Local authority: Abu Dhabi Department of Municipalities and Transport

Secure the best mortgage rates for properties in Abu Dhabi's investment zones, from Saadiyat Island to Yas Island.

Buying Property in Abu Dhabi

Abu Dhabi is the UAE capital and offers attractive property investment opportunities with relatively lower prices than Dubai. Foreign nationals can buy in designated investment zones including Saadiyat Island, Yas Island, Al Reem Island, and Al Maryah Island. The market is supported by government initiatives and strong rental yields, making it appealing for both owner-occupiers and investors.

Popular Areas in Abu Dhabi

Saadiyat Island
Yas Island
Al Reem Island
Al Raha Beach
Khalifa City
Al Maryah Island
Masdar City

Mortgage advice in Abu Dhabi

Request a callback from a Mortigo advisor familiar with UAE property finance.

Quick Facts

Avg. Property Price

AED 900K – 2.8M

Maximum LTV

80% (eligible expat residents) / 85% (eligible UAE nationals) for a qualifying first, self-use property under AED 5M

Mortgage Rates & Costs

Maximum loan tenure

25 years

Minimum salary (salaried)

AED 15,000/month

Abu Dhabi Municipality fee

2% of property value

Mortgage registration fee

0.1% of loan amount

Tips for Buying in Abu Dhabi

Abu Dhabi Municipality charges only 2% transfer fee compared to Dubai's 4% — significantly reducing upfront costs.
Investment zones allow 100% foreign freehold ownership — check the approved zones list before committing.
Government employees often receive preferential mortgage terms from local banks — Mortigo can identify these offers.
Abu Dhabi has a mandatory Tawtheeq (tenancy contract registration) system that adds transparency for landlords.
Properties on Saadiyat and Yas Islands have shown strong capital appreciation — factor future value into your purchase decision.

Frequently Asked Questions

Can foreigners buy property in Abu Dhabi?

Yes, foreigners can purchase freehold property in designated investment zones including Saadiyat Island, Yas Island, Al Reem Island, and Al Maryah Island.

What are the transfer fees in Abu Dhabi?

Abu Dhabi Municipality charges a 2% transfer fee on property transactions, which is lower than Dubai's 4% rate.

Are Abu Dhabi mortgage rates different from Dubai?

Rates are broadly similar as the same banks operate across both emirates, though individual bank offers may vary slightly. Mortigo compares across all banks.

What is the minimum salary for a mortgage in Abu Dhabi?

Most banks require a minimum monthly salary of AED 15,000 for salaried applicants. Self-employed applicants may have higher thresholds.

Explore Other UAE Locations

Dubai

AED 1.2M – 3.5M

Sharjah

AED 400K – 1.5M

Ajman

AED 200K – 800K

Ras Al Khaimah

AED 500K – 2M

Fujairah

AED 350K – 1.2M

Dubai

AED 1.2M – 5M

Dubai

AED 1.5M – 10M

Dubai

AED 2M – 30M+

Dubai

AED 450K – 2.5M

Dubai

AED 800K – 4M

Dubai

AED 1M – 15M

Dubai

AED 2.5M – 10M

Dubai

AED 4M – 25M

Dubai

AED 2M – 15M

Dubai

AED 400K – 2M

Dubai

AED 600K – 4M

Dubai

AED 800K – 4M

Dubai

AED 1M – 5M

Dubai

AED 1.5M – 8M

Dubai

AED 800K – 7M

Dubai

AED 350K – 2M

Abu Dhabi

AED 3M – 30M

Abu Dhabi

AED 700K – 5M

Abu Dhabi

AED 700K – 4M

Abu Dhabi

AED 1.5M – 8M

Abu Dhabi

AED 2M – 15M

Ras Al Khaimah

AED 700K – 5M

Ras Al Khaimah

Current project pricing is unavailable in this guide; verify with current listings and an independent valuation.

Sharjah

AED 400K – 2.5M

Sharjah

AED 1.2M – 3.5M

Dubai

AED 1.5M – 6M

Dubai

AED 350K – 950K

Dubai

AED 1.2M – 5M (off-plan)

Dubai

AED 700K – 2.2M

Dubai

AED 600K – 1.8M

Dubai

AED 1.5M – 8M

Dubai

AED 2.5M – 12M

Dubai

AED 2M – 7M

Dubai

AED 2M – 5M

Dubai

AED 1.8M – 4.5M

Dubai

AED 600K – 2.5M

Dubai

AED 400K – 1.5M

Dubai

AED 1.3M – 3.5M

Dubai

AED 3M – 15M+

Explore Areas by Emirate

Abu Dhabi

Ajman

Dubai

Fujairah

Ras Al Khaimah

Sharjah

Ready to Buy in Abu Dhabi?

Mortigo compares potentially suitable products from available participating lenders. Lender assessment and pre-approval timing vary by applicant, property and lender review.