A mortgage service built for citizens of the UAE and the GCC, with competitive rates for nationals, full regulatory compliance and a dedicated local advisor from start to finish.
Mortgage solutions
Maximum loan-to-value set by the UAE Central Bank. Your income then decides the final amount.
| Property | UAE nationals | GCC nationals* | UAE residents | Non-residents |
|---|---|---|---|---|
| First home up to AED 5M | 85% | 80% | 80% | Up to 60% |
| First home above AED 5M | 75% | 70% | 70% | Up to 60% |
| Second or subsequent home | 65% | 60% | 60% | Up to 60% |
| Off-plan property | 50% | 50% | 50% | 50% |
*Most banks assess GCC nationals like UAE residents. Some offer terms closer to UAE nationals, and we will tell you which.
Our mortgage service for UAE and GCC nationals is built on a deep understanding of local market dynamics and regulations. Our consultants tailor every solution to help you own the home you want, on the terms you are entitled to.
First-time buyer or investing in a second home, you get personal guidance at each step, from comparing mortgage products to handling the legal and documentation requirements.
We go beyond securing finance. As your partner, we make sure you have the guidance and information to make every decision with confidence.
Preferential pricing and fee waivers from partner banks.
Every structure aligned with Central Bank and DLD rules.
One advisor who knows your file from first call to transfer.
Tenures and payment plans that fit your family's plans.
Professional mortgage advice shaped to your needs.
Solutions that fit your financial goals and circumstances.
We sell property in these communities every day.
A reliable ally at every step of your mortgage journey.
Streamlined files for quick, hassle-free approvals.
Responsive answers whenever you have a question.
Nationals can start from a 15% down payment on a first home up to AED 5 million. Adjust the figures to match your plans.
Criteria vary between lenders. We check your profile against each bank before you apply.
Your bank can only offer its own products. We compare several lenders, present your application to the one most likely to give the best terms, and because we also sell property, we coordinate the finance with your purchase.
Up to 85% of a first home valued up to AED 5 million, and 75% above that. For a second or subsequent property the limit is 65%. Income and commitments then set the final amount.
It depends on the bank. Many assess GCC nationals like UAE residents, while some offer terms closer to UAE nationals. We tell you which before you apply.
Yes. Ijara and Murabaha structures are widely available from Islamic banks and Islamic windows of conventional banks, and we compare them with conventional options.
Many banks accept a pension as income, provided the loan ends within the bank's maximum age limit. Shorter tenures are common in this case.
Tell us a little about your plans and our team will get back to you.
Prefer to talk now? +971 52 705 1497
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