At MyMortgage.ae, we specialize in connecting you to the best financial solutions—so you can unlock your dream home with the right mortgage in Dubai at the best possible rate.
Why Choose a Home Loan in Dubai?
Dubai has rapidly grown into a real estate hotspot for global investors, professionals, and families. The city offers freehold property options, tax advantages, and high rental yields—making it ideal for long-term investments.
Taking a home loan in Dubai allows you to:
Spread payments over 15–25 years
Own high-value property with 20%–25% down payment
Access fixed or variable mortgage rates in Dubai
Preserve capital for other investments
Even first-time buyers can now find favorable financing packages with banks competing to offer the best deals.
Types of Mortgage in UAE: What Are Your Options?
Homebuyers in the UAE can choose from multiple types of mortgages, each tailored to specific financial situations.
Fixed-Rate Mortgage
Lock in your rate for 1–5 years
Predictable monthly installments
Great for budgeting
Variable-Rate Mortgage
Rate linked to EIBOR + lender’s margin
Can be cheaper in the long run if rates fall
Suitable for financially flexible borrowers
Islamic Mortgage
Sharia-compliant, profit-based
No interest (Riba)
Offered by major Islamic banks like DIB, ADIB
Buyout Mortgage
Transfer your loan to a different bank for a better deal
Popular for reducing your interest burden
Non-Resident Mortgage
Available to foreign investors
Lower LTV (up to 50–60%)
Competitive rates and simple processing
MyMortgage.ae compares all of the above across leading banks, helping you select what fits best.
Who Is Eligible for a Home Loan in UAE?
One of the UAE’s strengths is its inclusive financial landscape. Most employed or self-employed individuals—regardless of nationality—can qualify for a mortgage in UAE.
| Borrower Type | Max Financing (LTV) | Key Conditions |
| UAE Nationals | Up to 85% | Stable income & good credit |
| UAE Residents (Expats) | Up to 80% | Visa, salary > AED 10,000, local bank account |
| Non-Residents | Up to 60% | International income proof & clean credit |
At MyMortgage.ae, we simplify eligibility checks and provide fast pre-approvals so you can shop with confidence.
Current Mortgage Rate Dubai (2025 Update)
As of mid-2025, the mortgage rate Dubai continues to stay within a competitive range:
| Type of Rate | Range (Annual) | Notes |
| Fixed Rate (1–5 years) | 3.89% – 4.99% | Depends on bank and salary transfer |
| Variable Rate (EIBOR+) | 4.25% – 5.25% | Market-based, fluctuates with EIBOR |
| Islamic Profit Rate | 4.0% – 5.15% | Structured as Murabaha or Ijara agreements |
Your exact rate will depend on:
Credit score
Loan-to-value (LTV)
Salary transfer
Income stability
Loan term
Through MyMortgage.ae, you can compare and lock in the best rates—saving you thousands over the loan’s duration.
Step-by-Step Process: How to Get a Mortgage in Dubai
Applying for a home loan in Dubai can be easy when you follow a structured path. Here's how it works:
Check Eligibility
We assess your financial profile, residency status, and property preferences.
Get Pre-Approved
Banks issue a pre-approval confirming how much they’ll lend. This helps with serious property negotiations.
Choose Property
Find your dream apartment, townhouse, or villa. Sign a sale agreement (MOU) and pay a small deposit.
Bank Valuation & Approval
The bank values the property and issues the final approval.
Mortgage Disbursement
Loan is transferred to the seller or developer after final documentation.
We manage each step on your behalf—from paperwork to negotiations—at no cost to you.
Documents Required for Home Loan in UAE
Whether you're an expat, citizen, or investor, documentation is essential. Below is what you’ll need:
For Salaried Individuals:
copyright + visa
Emirates ID (residents)
Salary certificate (dated within 30 days)
Last 6 months’ bank statements
Credit report (Al Etihad Credit Bureau)
For Self-Employed:
Trade license
MOA (for LLCs)
Last 2 years audited financials
6–12 months personal & business statements
MyMortgage.ae provides a custom checklist so you don’t miss anything and avoid delays.
Top Banks Offering Home Loans in Dubai
The UAE has a wide range of financial institutions offering competitive mortgage in UAE options.
Featured Lenders:
Emirates NBD – Excellent for expats, flexible loan terms
HSBC UAE – Strong global backing, good for non-residents
ADCB – Attractive fixed-rate packages
Mashreq Bank – Digital mortgage tools, fast approvals
Dubai Islamic Bank (DIB) – Sharia-compliant home financing
RAKBANK – Simple criteria for salaried employees
Using MyMortgage.ae, you can compare over 30 mortgage products instantly and apply directly.
How to Get the Best Home Loan Dubai Deal
Here are tried and tested strategies to maximize your savings:
Maintain a good credit score
Transfer your salary to the lending bank for better rates
Opt for higher down payment to reduce your interest margin
Choose shorter tenures if cash flow allows
Use a mortgage broker like us to negotiate exclusive deals
Even a 0.5% reduction in your interest rate can save you AED 50,000+ over 20 years!
Why MyMortgage.ae Is Your Best Mortgage Partner
We do more than just list rates—we provide:
Live bank comparisons
End-to-end application support
Free documentation review
One-on-one expert guidance
Access to special offers and lower rates
Online tools like EMI calculator & eligibility checker
We are trusted by hundreds of UAE residents and expats to make smarter, faster home loan decisions.
Start Your Property Journey Today
Securing a home loan in UAE or mortgage in Dubai doesn’t have to be complex or overwhelming. With clear insights, real-time comparisons, and hands-on support from MyMortgage.ae, you can make confident property decisions that match your goals and financial future.