Residential Mortgage in Dubai —
Expert Independent Advice
Home loans for UAE residents and expats. Up to 80% LTV for properties under AED 5 million. Fixed and variable rate options from all major UAE banks.
- Up to 80% LTV for UAE residents and expats
- Fixed and variable rate options compared
- All major UAE banks assessed simultaneously
- 20+ years of mortgage expertise
For UAE residents and expats. Properties under AED 5M. Conventional and Islamic options available.
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What Is a Residential Mortgage in Dubai?
A residential mortgage in Dubai is a home loan secured against a property you intend to live in as your primary residence. UAE banks offer residential mortgages to both UAE nationals and resident expats, with the Central Bank UAE setting the maximum LTV limits that all lenders must follow.
CityMortgage compares residential mortgage products from all major UAE banks and Islamic finance providers to find the right fit for your income profile, nationality, and property type.
With 20+ years of mortgage expertise, we have placed residential mortgage applications from salaried professionals, self-employed buyers, and UAE nationals across all major Dubai communities.
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Maximum LTV80% under AED 5M (expats)
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Rate From~3.5% fixed for UAE residents
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Max TermUp to 25 years
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Finance TypeConventional and Islamic
Residential Mortgage LTV Rules in Dubai
The Central Bank UAE sets maximum LTV limits for all lenders. No bank can exceed these limits. Understanding these rules before you start is essential for budgeting correctly.
| Factor | UAE National | Expat Resident |
|---|---|---|
| Max LTV (under AED 5M) | 85% | 80% |
| Max LTV (above AED 5M) | 70% | 70% |
| Min Deposit | 15% | 20% |
| Max Loan Term | 25 years | 25 years |
| Rate From | ~3.3% | ~3.5% |
| Islamic Finance | Available | Available |
- Minimum 20% deposit from own funds
- DLD fee 4% payable on purchase price
- Mortgage registration fee 0.25%
- Valuation fee approximately AED 3,000
- Bank processing fee typically 1%
- CityMortgage provides full cost breakdown
Who Qualifies for a Residential Mortgage?
Salaried Expats
Resident expats employed in the UAE with a valid visa and monthly salary of AED 15,000 or above. Most major UAE banks welcome salaried expat applications.
Self-Employed Professionals
Business owners and freelancers with 2 years of verifiable income history, audited accounts, and a valid UAE trade licence. Lender selection is critical for self-employed buyers.
UAE Nationals
UAE nationals qualify for higher LTV — up to 85% for properties under AED 5 million. Both conventional and Islamic Murabaha options are widely available.
First-Time Buyers
Buying your first property in Dubai? CityMortgage guides first-time buyers through every step — from AECB credit score to DLD transfer — with no jargon.
Property Investors
Buy-to-let residential mortgages are available from most UAE banks. CityMortgage helps investors structure finance that maximises rental yield and long-term return.
Joint Applications
Combining income with a spouse or co-applicant significantly increases borrowing capacity. CityMortgage structures joint applications to maximise the combined mortgage amount.
What Documents Do I Need?
CityMortgage prepares a personalised document checklist for your exact profile before approaching any lender. The typical documents required for a UAE residential mortgage application are below.
Current Mortgage Rates
CityMortgage compares rates from all major UAE lenders simultaneously. These are indicative rates — your exact rate depends on your profile and the chosen lender.
- 1-Year Fixed Rate (from)~3.49%
- 3-Year Fixed Rate (from)~3.69%
- 5-Year Fixed Rate (from)~3.89%
- Variable Rate (EIBOR +)~0.8–1.5%
- Islamic Murabaha (from)~3.75%
Rates are indicative. Contact CityMortgage for a personalised rate comparison for your profile.
Your Residential Mortgage — 4 Steps
From your first WhatsApp message to keys in hand — CityMortgage manages everything.
Free Assessment
WhatsApp or call us. We review your income, nationality, residency, and property type — and give you an honest eligibility picture with zero obligation.
Lender Comparison
We compare all major UAE banks simultaneously, identifying who will approve your profile at the best available rate — conventional or Islamic.
Pre-Approval
We submit your application and manage the bank directly. Pre-approval typically takes 3 to 7 working days. We handle all document requests and lender queries.
Mortgage & Transfer
From full mortgage offer through to DLD registration and property transfer, CityMortgage coordinates every party until you have your keys.
Residential Mortgage Questions
Your Dubai Home. Our Expertise.
CityMortgage has helped hundreds of expats and UAE nationals secure the right residential mortgage. WhatsApp us for a free, no-obligation eligibility check.
Check Your EligibilityReady for Your Dubai Residential Mortgage?
WhatsApp CityMortgage now. We compare all major UAE banks and get you the best residential mortgage rate — fixed or variable, conventional or Islamic.