Mortgages & finance
Mortgages, Finance & Insurance
Mortgage, finance and insurance consultancy for Dubai property buyers and owners.
Finance that fits your plans
Our consultancy helps buyers and owners understand their finance options, whether buying a first home, refinancing or settling a mortgage before sale.
Buying with a mortgage
Understand how much you can borrow, the down payment required and the full costs of buying.
Mortgage settlement
Coordination with your bank to settle a mortgage and release the title when you sell.
Insurance
Guidance on property and home insurance to protect your investment.
Good to know
- UAE Central Bank rules set maximum loan-to-value limits, which differ for UAE nationals, resident expatriates and non-residents, and by property value.
- Registering a mortgage with the Dubai Land Department carries a fee based on the loan amount.
- Banks require a valuation of the property before final approval.
- A pre-approval helps you negotiate with confidence.
Ideal Homes is not a bank or regulated lender. We help you understand your options and coordinate with lenders and mortgage advisers.
Choosing the right mortgage
The best mortgage is not always the one with the lowest headline rate. Fixed periods, the follow-on rate after the fixed term, early settlement fees, minimum balance requirements and fees all affect the true cost. Comparing several lenders helps you find a product that matches your plans.
Before you apply
- Check your budget, including the deposit and buying costs
- Gather salary certificates, payslips and bank statements
- Clear or reduce short-term debts where possible
- Get a pre-approval before making offers
Read our guide to mortgages for expats in Dubai for eligibility, deposits and the approval process, and our cost of buying guide for the fees involved.
FAQs
Frequently asked questions
Can expatriates get a mortgage in Dubai?
Yes. UAE banks lend to both residents and many non-residents. The amount you can borrow depends on your residency status, income, the property price and whether it is your first home, within limits set by the UAE Central Bank.
Should I get mortgage pre-approval first?
Pre-approval is recommended. It tells you how much you can borrow before you make an offer, which makes your budget clear and your offer stronger.
Are there fees for registering a mortgage?
Yes. Mortgages are registered with the Dubai Land Department, which charges a registration fee based on the loan amount, and banks may charge their own arrangement and valuation fees.
Can I sell a property that still has a mortgage?
Yes. The outstanding loan is settled as part of the sale. The bank issues a liability letter, the balance is paid off and the bank releases the mortgage at transfer.
Talk to us about finance
Fill in the form and a member of our team will get back to you promptly.
Talk to Ideal Homes
Speak to a RERA-certified specialist about buying, selling, renting or managing property.
Visit usOffice 504, Al Sama Building
Al Barsha 1, Dubai, UAE
Call us+971 4 379 4482
Email usinfo@idealhomes.ae
Speak to an Ideal Homes specialist
Buying, selling, renting or investing in Dubai? Our RERA-certified team is ready to help.