Frequently asked questions

Initial consultation is free. We will explain any fees clearly before you proceed.

Most banks cap total monthly debt repayments at 50% of your income. Expat residents can usually borrow up to 80% of the price on a first home under AED 5M, and UAE nationals up to 85%. Lower limits apply to non-residents, second homes and properties above AED 5M.

Usually at least 20% for expat residents on a first home under AED 5M, 15% for UAE nationals, and more for non-residents, second homes and off-plan purchases. You also need funds for fees.

Plan for around 6–7% of the price on top of your down payment. This typically includes the Dubai Land Department transfer fee (4%), mortgage registration (0.25% plus admin), bank arrangement fee (up to 1%), valuation fee, trustee fees and agency commission.

Yes. Several banks lend to non-residents, usually with financing of 50–60% of the property value. Eligibility depends on nationality, income country and documents.

A pre-approval is a bank's conditional confirmation of how much it will lend you. It is typically valid for around 60 days.

Usually your passport, Emirates ID and visa (for residents), salary certificate or company documents, recent payslips and 6 months of bank statements. Self-employed applicants also need a trade licence and business statements. We'll give you a checklist for your situation.

Yes. Banks assess company accounts and statements, and most want at least 1–2 years of trading history. We help present your income clearly.

Up to 25 years, provided the loan ends before the bank's age limit, typically 65 for expats and 70 for UAE nationals.

Usually not. Pricing is generally close to conventional mortgages, but the contract structure and some terms differ. We compare both for you.