How to get a mortgage in the UAE — step by step
Updated: 2026-07-16
Getting a mortgage in the UAE is straightforward if you understand the requirements.
The basics - Non-residents: 20-30% deposit required, up to 60% LTV - Residents: 15-20% deposit, up to 80% LTV on properties under 5 M AED - Off-plan: typically 50% down, then bank-financed remainder at handover
Documentation - Passport & Emirates ID - 6 months payslips (or 12 months if self-employed) - 6 months bank statements - Trade licence (self-employed) - Property details & MOU
Pre-approval Most banks issue pre-approval in 3-5 working days. This lets you negotiate on price and speeds up the eventual purchase.
Which bank? Compare fixed vs variable rate, early settlement fee, and processing fees. Emirates NBD, Mashreq, HSBC and ADCB are the busiest UAE mortgage providers.
The DLD transfer Once approved, you'll transfer at Dubai Land Department. Bring your bank cheques, seller cheque and 4% transfer fee — typically completes in one visit.
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