Mortgage Advisory
UAE Central Bank rules cap what any bank can lend. Knowing your ceiling before you shop stops you falling in love with something you cannot fund.
Who we are
Since 2018
Operating in Dubai
120+ Awards
From UAE developers
RERA registered
Licensed brokerage
The LTV caps are regulation, not bank policy
A resident expat buying a first property under AED 5M can borrow up to 80%, so a 20% deposit. Above AED 5M the cap falls to 70%. Non-residents face a 65% regulatory cap, and off-plan is capped at 50% for every buyer type.
Two practical caveats. Most Dubai banks lend non-residents only 50–60% on ready property under AED 5M, so budget 40–50% cash rather than 35%. And the off-plan cap applies regardless of who you are, which makes off-plan a cash-heavy purchase whatever the payment plan suggests.
Indicative 2026 rates: variable at EIBOR plus a 1.5–3% spread, landing around 5.5–7% all-in; fixed one-to-five year at roughly 4.5–6.5%. The spread is where your profile matters, and it is negotiable.
Our service includes
Borrowing assessment
A realistic borrowing range before you view anything, based on income, existing liabilities and the debt burden ratio banks actually apply.
Lender comparison
The advertised rate and the rate you are offered are frequently different numbers. We compare across lenders and negotiate the spread.
Pre-approval
Takes days and materially strengthens a negotiation — sellers discount for certainty. Making offers without one is how buyers lose deposits.
Fixed versus variable
Not a rate question, a risk question. We model both, and always establish the reversion rate after a fixed term ends — the number that decides lifetime cost.
Self-employed applications
Entirely doable, but needs two to three years of audited accounts and more lead time. We prepare the file properly rather than testing the market with it.
Total cost modelling
A mortgage adds roughly a percentage point to transaction costs. Arrangement fees, valuation, mortgage registration and mandatory insurance, quoted upfront.
Want to know what you can actually borrow?
Tell us your situation and we will return a realistic borrowing range and the lenders worth approaching — before you start viewing. If the numbers do not work, we will tell you.
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How it works
Step 1
Assessment
Income, liabilities and residency status reviewed against the caps to establish a realistic ceiling.
Step 2
Pre-approval
File prepared and submitted. Clearing a credit card first often moves the number more than negotiating the rate.
Step 3
Offer and valuation
You negotiate from certainty. The bank instructs its valuation once terms are agreed.
Frequently asked questions
Can a non-resident get a Dubai mortgage?
Yes. The regulatory cap is 65% LTV, though most banks lend non-residents 50–60% on ready property. Expect to fund 40–50% in cash plus fees.
What is the maximum LTV for an expat first property?
80% under AED 5M and 70% above it. These are Central Bank limits and no lender can exceed them.
Can I get a mortgage on off-plan?
Yes, capped at 50% LTV for all buyer types. Many buyers use the developer payment plan during construction and mortgage at handover instead.
Should I take fixed or variable?
Fixed for budget certainty if you will hold through the term; variable if you may sell or refinance sooner. Always get the reversion rate in writing.
Sources
LTV caps are UAE Central Bank regulation. Rate ranges are indicative for 2026 and move with EIBOR — treat them as a bracket, not a quote.
