Finance
Mortgages in the UAE
UAE Central Bank rules cap how much you can borrow. Understanding loan-to-value limits helps you plan your deposit early.
Official sources & verification
Expatriate first owner-occupied home: maximum 80% LTV up to AED 5 million, 70% above AED 5 million. One property can claim this category; lender approval is not guaranteed.
Last verified:
0.25% of mortgage value for this service, except eligible Mohammed bin Rashid Housing Establishment financing. Confirm all additional transaction charges.
Last verified:
Dates apply only to the claims described above, not every sentence in this guide. Fees can change; consult the linked authority before committing. Commercial terms and timelines are not government guarantees.
Up to 80% LTV
Expat first owner-occupied ≤ AED 5M
Up to 70% LTV
Expat first owner-occupied > AED 5M
Confirm with lender
Loan term
0.25% of loan*
Mortgage registration
The process
Step by step.
- 01
Check eligibility
Banks look at income, existing debt and residency status.
- 02
Pre-approval
A pre-approval tells you your budget before you make an offer.
- 03
Valuation
The bank values the property; the loan is based on the lower of price or valuation.
- 04
Final offer
The bank issues a final offer letter once valuation and documents are complete.
- 05
Registration
The mortgage is registered with the DLD at transfer.
Checklist
Documents you'll need
- Passport & visa
- Emirates ID
- Salary certificate
- Bank statements for the period your lender requests
Questions
Good to know
Can non-residents get a mortgage?
Some banks lend to non-residents, usually with lower loan-to-value limits.
General guidance only. Fees and regulations change — confirm current figures with the Dubai Land Department, RERA or your bank.
