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Independent mortgage advisory for ready and off-plan property — for UAE nationals, resident expats and overseas buyers. We compare lenders, secure your best terms and manage the process end to end.
Set the price, down payment, rate and term to see an indicative monthly instalment. Figures are estimates — your final terms are set by the lender.
Indicative only. Actual rates, fees and eligibility are set by the lender under UAE Central Bank regulations. iWA Mortgage is an advisory/brokerage service, not a lender, and this is not financial advice.
Get a tailored quote →The LTV is the maximum a bank can finance; the rest is your down payment. These are the maximum caps under UAE Central Bank rules — your actual limit depends on the lender, your income and the property.
| Buyer / property | Max LTV (finance) | Min down payment |
|---|---|---|
| Expat resident — 1st property up to AED 5M | up to 80% | from 20% |
| Expat resident — 1st property above AED 5M | up to 70% | from 30% |
| Expat resident — 2nd / investment property | up to 60% | from 40% |
| UAE national — 1st property up to AED 5M | up to 85% | from 15% |
| UAE national — 1st property above AED 5M | up to 75% | from 25% |
| UAE national — 2nd / investment property | up to 65% | from 35% |
| Non-resident (overseas buyer) | 50–65% | 35–50% |
| Off-plan (any buyer, under construction) | up to 50% | from 50% |
*Some banks add a first-time-buyer allowance that can raise the cap slightly. Figures are indicative maximums under UAE Central Bank Regulation 31/2013 (as amended) and vary by lender and profile. Banks lend on the lower of the purchase price or their own valuation.
Finance for completed homes — up to 80% for resident expats and 85% for UAE nationals on a first home up to AED 5M.
Mortgages for under-construction units, financed up to 50% of value, with payment-plan coordination.
Home loans for overseas buyers, typically 50–65% LTV, with income verified from your home country.
Unlock cash from a property you already own (loan against property) — for investment, expansion or liquidity.
Move your existing mortgage to a better rate, or refinance to release equity and lower your payments.
Financing for offices, retail and commercial assets, with terms tailored to the asset and business.
The headline requirements most UAE banks apply. We'll assess your exact profile and match you to the lenders most likely to approve you.
Typically AED 15,000/month for salaried and AED 25,000/month for self-employed applicants (some banks from AED 12,000).
Your total monthly debt repayments — including the new mortgage — should not exceed 50% of your gross monthly income.
Up to 25 years, and the loan must usually be repaid by age 65 (salaried) or 70 (self-employed / UAE nationals).
Salaried: usually 6+ months with your employer. Self-employed: about 2 years of audited financials / trading history.
A clean Al Etihad (AECB) credit record strengthens approval and helps you secure the best rate.
Mortgage life cover is mandatory in the UAE and is arranged as part of the process.
Beyond your down payment, these are the usual one-off costs on a Dubai property purchase. We'll give you an exact breakdown for your deal.
Up to ~1% of the loan amount + VAT (varies by lender; sometimes discounted).
Around AED 2,500–3,500, paid to the bank's valuer.
DLD mortgage registration of 0.25% of the loan + AED 290.
4% of the property price to the Dubai Land Department on transfer.
Annual premiums based on loan size, age and property.
If you repay early, capped at 1% of the outstanding balance or AED 10,000, whichever is lower.
We assess your profile and secure a bank pre-approval — usually 3–7 business days.
Shop with confidence knowing your budget; our property team can help if you wish.
The bank values the property and issues a final mortgage offer letter.
We coordinate DLD registration and the bank releases funds — and you get the keys.
For a first ready home up to AED 5M, resident expats typically need from 20% down (up to 80% finance) and UAE nationals from 15% (up to 85%). Above AED 5M, or for a second/investment property, the deposit is higher. Off-plan purchases generally require 50% down. Non-residents usually need 35–50%.
A ready (completed) property can be financed up to the standard LTV caps (e.g. 80% for resident expats on a first home). An off-plan (under-construction) property is capped at 50% LTV by the Central Bank because of the higher completion risk, so you'll need a larger deposit and the bank releases funds in line with construction.
Banks apply a Debt Burden Ratio: your total monthly debt repayments, including the new mortgage, should stay within 50% of your gross monthly income. So your income, existing loans, the rate and the term all shape the maximum loan. Our calculator and team give you a realistic figure.
Yes. Several UAE banks offer non-resident mortgages, usually at 50–65% LTV with income verified from your home country and some documents attested. Off-plan lending to non-residents is less common. We work with the lenders most active in this space.
If you own a property (fully or partly), you can release cash from its value — either by refinancing an existing mortgage upward or borrowing against an unencumbered property. It's commonly used for investment, business or liquidity, subject to the same affordability and LTV rules.
Rates move with the market. In 2026, competitive fixed rates have started from roughly 3.75%–4.5% per year for strong, salary-transfer salaried profiles, with self-employed and non-salary-transfer applicants typically a little higher. We compare live offers to find your best available rate.
No — iWA Mortgage is an independent advisory and brokerage. We compare banks, structure your application and negotiate on your behalf; the loan itself is provided by a UAE-licensed lender under Central Bank regulations.
Tell us a little about your plans and a mortgage advisor will come back within one business day with your indicative eligibility and best-fit lenders — at no cost.
Free, no-obligation assessment.