Dubai mortgages, decoded.
LTV ratios, bank shortlist, eligibility for residents and non-residents, total transaction costs, and a calculator that doesn't lie.
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Frequently asked
Yes — Mashreq, HSBC, Standard Chartered, and a few others underwrite non-resident mortgages. Maximum LTV is typically 50%. Required: passport, 6-month bank statements, proof of income (employer letter or business documents), and DLD pre-approval.
Up to 25 years for salaried residents. Borrower must be under 65 (salaried) or 70 (self-employed) at maturity.
Resident salaried: Emirates ID, passport, 6-month bank statements, salary certificate, latest payslip, and trade licence (if self-employed). Non-residents: passport, 6-month statements, proof of income, and a valid visa to any country.
Pre-approval: 5–10 working days. Final approval after property valuation: another 1–2 weeks. Total time-to-funds is typically 4 weeks once you've selected a property.
Variable rates are 4.25 to 5.75% depending on bank, LTV, and credit profile. Fixed-period rates (1–3 years fixed) typically run 0.25–0.50% below variable.
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