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Mortgages in Dubai

Find the best mortgage rates for apartments, villas, and off-plan properties across Dubai's prime communities.

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 available participating lenders to find you the most competitive deal, whether you're buying in Downtown Dubai, Dubai Marina, or emerging communities like Dubai South.

Mortgage Facts for Dubai

DetailInformation
Average Property PriceAED 1.2M – 3.5M
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
DLD transfer fee4% of property value
Mortgage registration fee0.25% of loan amount

Popular Areas in Dubai

  • Downtown Dubai
  • Dubai Marina
  • Palm Jumeirah
  • JVC
  • Dubai Hills Estate
  • Business Bay
  • Arabian Ranches
  • Dubai South

Buying Tips for Dubai

  • Dubai Land Department (DLD) charges a 4% transfer fee on all property transactions — budget for this upfront.
  • Off-plan properties may require a higher down payment (20-50%) depending on the developer and construction stage.
  • EIBOR-linked variable rates have been competitive recently — ask Mortigo to model both fixed and variable scenarios.
  • Properties in established freehold zones like Dubai Marina and Downtown tend to have higher valuations, which can improve your LTV.
  • First-time buyers can finance up to 80% for properties under AED 5 million.

Frequently Asked Questions

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. eligible expat residents need 20% 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 timing varies by applicant, property and lender review. 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).

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

· Local authority: Dubai Land Department — mortgage registration application

Mortgages in Dubai

Find the best mortgage rates for apartments, villas, and off-plan properties across Dubai's prime communities.

Buying Property 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 available participating lenders to find you the most competitive deal, whether you're buying in Downtown Dubai, Dubai Marina, or emerging communities like Dubai South.

Popular Areas in Dubai

Downtown Dubai
Dubai Marina
Palm Jumeirah
JVC
Dubai Hills Estate
Business Bay
Arabian Ranches
Dubai South

Quick Facts

Avg. Property Price

AED 1.2M – 3.5M

Max 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

DLD transfer fee

4% of property value

Mortgage registration fee

0.25% of loan amount

Tips for Buying in Dubai

Dubai Land Department (DLD) charges a 4% transfer fee on all property transactions — budget for this upfront.
Off-plan properties may require a higher down payment (20-50%) depending on the developer and construction stage.
EIBOR-linked variable rates have been competitive recently — ask Mortigo to model both fixed and variable scenarios.
Properties in established freehold zones like Dubai Marina and Downtown tend to have higher valuations, which can improve your LTV.
First-time buyers can finance up to 80% for properties under AED 5 million.

Dubai Mortgage FAQs

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. eligible expat residents need 20% 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 timing varies by applicant, property and lender review. 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).

Explore Other UAE Locations

Abu Dhabi

AED 900K – 2.8M

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 Dubai?

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