Who can get a mortgage?
UAE residents and, with a higher deposit, non-residents can both access mortgages from UAE banks. Lenders assess income, existing liabilities and the property itself before issuing an offer.
20%Typical minimum deposit for first-time expat buyers
Fixed vs variable rates
Fixed-rate periods give payment certainty for an initial term, after which the rate reverts to a variable rate linked to EIBOR. We compare both structures across lenders to match your risk appetite.
A pre-approval is typically valid for 60–90 days and makes your offer far stronger with sellers.
Have a question?
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