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Assistance in Obtaining a Mortgage to Buy a Home in the UAE
The UAE offers favorable mortgage conditions, with interest rates starting from 3.89%.
This competitive rate makes purchasing a home in the UAE attractive not only for personal use but also as an investment for rental income.
Renting out property in the UAE yields an average annual return of 7–8%, which can cover mortgage repayments and provide a stable passive income.
from 20%
initial payment
from 3.89%
the interest rate
up to 25 years old
mortgage term
To obtain a mortgage from a bank, you must have a verifiable income and a credit history.
1. Employment with a company in the UAE
You must have worked for the company for at least 6 months and receive a salary of at least AED 15,000 per month.
It is important that the company is legitimate and active, with a physical office, staff, and operational bank accounts.
You must have worked for the company for at least 6 months and receive a salary of at least AED 15,000 per month.
It is important that the company is legitimate and active, with a physical office, staff, and operational bank accounts.
You can confirm your income in the following ways:
2. Business ownership in the UAE
Owning a business can also qualify you for a mortgage, provided the company meets specific requirements:
It must have been operational for at least 2 years.
It must have a physical office with employees (spot checks by the bank are possible).
It must demonstrate consistent financial activity (you must provide bank statements as proof).
Owning a business can also qualify you for a mortgage, provided the company meets specific requirements:
It must have been operational for at least 2 years.
It must have a physical office with employees (spot checks by the bank are possible).
It must demonstrate consistent financial activity (you must provide bank statements as proof).
How can we help you?
GET A MORTGAGE
If you have a credit history and meet the conditions described above.
CREATE A CREDIT HISTORY
Advice and assistance in preparing the documents needed to establish a credit history and successfully obtain a mortgage in the future.
No Cost to You
Our mortgage brokerage services are free for clients.
Advantages of Obtaining a Mortgage with Our Help
Guaranteed Results
When we take on your case, we are confident of a successful outcome based on our proven experience.
The Best Offer
We partner with multiple banks and will select the best mortgage offer for you.
Find out the cost and other details
In order to find out the cost and other details or to proceed with the paperwork, leave a request in any way: specify your phone number and we will call you back or write to a convenient messenger.
Write your phone number
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Questions & Answers
In the UAE, mortgages are generally available only for completed, ready-to-occupy (secondary market) properties.
In certain cases, it is possible to secure a mortgage for the final payment(s) on an off-plan property nearing completion and handover.
In certain cases, it is possible to secure a mortgage for the final payment(s) on an off-plan property nearing completion and handover.
Typically, the mortgage amount should not exceed seven times the borrower's annual income.
Example Calculation:
If your monthly income is AED 15,000, the maximum mortgage amount would be:
AED 15,000 × 12 months × 7 years = AED 2,520,000
It is important to note that banks calculate the maximum loan amount based not only on your income but also on your monthly obligations, such as existing loan repayments.
Example Calculation:
If your monthly income is AED 15,000, the maximum mortgage amount would be:
AED 15,000 × 12 months × 7 years = AED 2,520,000
It is important to note that banks calculate the maximum loan amount based not only on your income but also on your monthly obligations, such as existing loan repayments.
There are no legal restrictions in the UAE on the number of mortgages per person. However, your total monthly income must be sufficient to cover the payments for all mortgages simultaneously.
Find out the cost and other details
In order to find out the cost and other details or to proceed with the paperwork, leave a request in any way: specify your phone number and we will call you back or write to a convenient messenger.
Write your phone number
By clicking on the button, you agree to the terms of data processing and the privacy policy.
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