Mortgages in Dubai
Dubai is the UAE's most active property market, attracting investors and homebuyers from around the world. With freehold ownership zones across the emirate, both UAE nationals and expatriates can purchase property. Mortigo compares rates from 15+ banks to find you the most competitive deal, whether you're buying in Downtown Dubai, Dubai Marina, or emerging communities like Dubai South.
Popular Areas
- Downtown Dubai
- Dubai Marina
- Palm Jumeirah
- JVC
- Dubai Hills Estate
- Business Bay
- Arabian Ranches
- Dubai South
What is the minimum down payment for a property in Dubai?
For UAE nationals, the minimum is 20% for properties under AED 5M and 30% above. Expats need 25% under AED 5M and 35% above, as per UAE Central Bank regulations.
Can I get a mortgage for an off-plan property in Dubai?
Yes, several banks offer off-plan mortgages once the property reaches a certain construction milestone (typically 50%+). Mortigo can match you with the right lender.
How long does mortgage approval take in Dubai?
With Mortigo's AI-powered process, pre-approval can happen within 24 hours. Full approval typically takes 5-10 business days.
Are there any additional fees when buying property in Dubai?
Yes — expect to pay DLD transfer fee (4%), mortgage registration (0.25% of loan), agency commission (2%), and property valuation fees (AED 2,500-3,500).