Ready Property Mortgages
Finance apartments, villas and townhouses across Dubai, Abu Dhabi, Sharjah and the Northern Emirates. Up to 80% loan-to-value for expatriates and 85% for UAE nationals.
Solutions
Tailored home financing
From first-time buyers to seasoned investors — the right mortgage at the right rate.
Off-Plan Property Finance
Developer-aligned payment plans and bank financing for off-plan purchases from Emaar, DAMAC, Nakheel, Aldar and others.
Vacation & Holiday Homes
Specialist mortgage products for holiday-home investment, including furnished property financing and yield-based loan-to-value options.
Mortgage Refinancing
Switch to a lower-rate mortgage, release equity or convert from fixed to variable — we compare 15+ banks to find your best deal.
Islamic Mortgages
Sharia-compliant home finance through Murabaha, Ijarah and Diminishing Musharaka structures from leading Islamic banks.
Equity Release
Unlock the value locked in your property for investment, education or business use — without selling your home.
Process
From enquiry to keys in hand
A managed mortgage process with no surprises and no chasing required on your side.
1
Eligibility Check
A quick assessment of salary, employment and credit profile — usually completed within 24 hours.
2
Best Rate Match
We compare more than 15 banks and lenders to find you the lowest available mortgage rate and best terms.
3
Bank Submission
Your documentation is prepared, the application filed and all bank liaison handled end to end.
4
Approval & Transfer
Final approval, property valuation and fund transfer to the seller — then the keys are yours.
Answers
Frequently Asked Questions
Common questions we hear from clients across the UAE. If yours is not here, talk to us directly.
Most UAE banks lend up to 80% of the property value for expatriates and up to 85% for UAE nationals, subject to a maximum debt burden ratio of 50% of your monthly income, as set by Central Bank regulation. Self-employed applicants are typically assessed on average business income over two years.
Most lenders require a minimum monthly income of around AED 15,000 for salaried applicants, though some will consider AED 10,000 to AED 12,000 for selected products. Self-employed applicants usually need to evidence a higher income and longer trading history.
Budget for the down payment, the bank arrangement fee of roughly 1%, a property valuation fee of around AED 2,500 to AED 3,500, the Dubai Land Department transfer fee of 4% of the property value, and mortgage registration of 0.25%. We provide a full cost sheet before you commit.
Yes, several UAE lenders offer non-resident mortgages for buyers in designated freehold areas. Terms are typically more conservative than for residents, with loan-to-value usually between 50% and 65%.
Pre-approval is usually issued within 24 to 72 hours. Final approval, valuation and transfer typically take two to four weeks, depending on the bank and the developer or seller.
A fixed rate locks your rate for an initial period, commonly three to five years, which makes early budgeting predictable. A variable rate tracks the central bank base rate and can fall or rise. Many UAE mortgages are fixed for an initial term then revert to variable.
Ready to Buy?
Ready to buy your dream home?
Get a free mortgage eligibility check today — no obligation, no cost.