Discover top mortgage professionals across the UAE and connect instantly with experienced local agents—whether you’re buying, refinancing, or exploring loan options
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Agents across Dubai, Sharjah, Abu Dhabi and more
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Whether you’re buying, refinancing, or exploring loan options, our agents cover every type of home finance.
Finance a ready villa or apartment anywhere in the UAE, with fixed or variable rates from leading banks.
Find a specialistMove your existing mortgage to a better rate or release equity from a property you already own.
Find a specialistUnderstand payment plans and lending options for properties still under construction.
Find a specialistSharia-compliant options such as Ijara and Murabaha offered by UAE Islamic banks.
Find a specialistEstimate your monthly payment and explore financing options across UAE banks
with interest rate of 3.75% over 25 years
| Down Payment (20%) | AED 240,000 |
| DLD Registration Fee (4%) | AED 48,000 |
| Mortgage Registration Fee (0.25%) | AED 2,400 |
| Property Valuation Fee | AED 2,500–3,500 |
| Bank Arrangement Fee (~1%) | AED 9,600 |
| Conveyancer / Legal Fees | AED 6,000–10,000 |
| Estimated Total | AED 313,100 |
ℹ️ Costs are estimates based on typical UAE transactions. Exact figures vary by emirate, property type, and lender. Speak with an advisor for a precise quote.
Add a genuine client review here – for example a review from your Google Business Profile or WhatsApp feedback, shared with the client’s permission.
Add a genuine client review here – for example a review from your Google Business Profile or WhatsApp feedback, shared with the client’s permission.
Add a genuine client review here – for example a review from your Google Business Profile or WhatsApp feedback, shared with the client’s permission.
Add a genuine client review here – for example a review from your Google Business Profile or WhatsApp feedback, shared with the client’s permission.
Quick answers about home loans, down payments and choosing an agent in the UAE.
Ask on WhatsAppMortgage Connect UAE is a mortgage marketplace that lists verified, registered mortgage brokers in one place. It is not a brokerage – it helps you compare agents by company, expertise and language, then contact the one you choose directly.
Yes. There is no sign-up, no commission and no middleman. You browse agents and contact them directly by WhatsApp or phone at no cost.
Under UAE Central Bank rules, expatriates buying their first home up to AED 5 million usually need at least 20% down (30% above AED 5 million). UAE nationals usually need 15% (25% above AED 5 million). Second homes, off-plan properties and non-resident buyers normally require a larger down payment.
Yes. Several UAE banks offer mortgages to non-residents, usually with a higher down payment and stricter documentation. An agent can tell you which lenders currently accept your profile.
The maximum mortgage term in the UAE is 25 years. Banks also set an age limit at the end of the loan, commonly around 65 for salaried and 70 for self-employed applicants.
Besides the down payment, typical costs include the Dubai Land Department fee (4% of the price), mortgage registration (0.25% of the loan), a valuation fee of about AED 2,500–3,500, a bank arrangement fee of up to 1% of the loan, and conveyancing fees. Use the calculator above for an estimate.
UAE banks cap your total monthly debt repayments at 50% of your monthly income (the debt burden ratio). Your salary, existing loans, credit cards and the property value all decide your final loan amount.
Filter agents by expertise, company and the language you are most comfortable with, check whether they are a SUPERAGENT, then message two or three of them on WhatsApp to compare their advice and the bank offers they can access.
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