What affects your mortgage in the UAE?
- Loan-to-value (LTV) limits
The UAE Central Bank caps expat mortgages at 80% LTV for a first home under AED 5M (a 20% deposit), and 75% above AED 5M. UAE nationals can borrow slightly more, and off-plan purchases typically need around 50% down.
- Income and affordability
Lenders apply a Debt Burden Ratio: total monthly repayments are limited to 50% of your income. Most banks look for a minimum salary near AED 15,000 a month plus several months of bank statements.
- Bank options and rates
Leading UAE mortgage lenders include FAB, Emirates NBD (ENBD), and ADCB. Rates are usually a fixed period (1-5 years) then a variable rate tracking EIBOR — compare arrangement fees and early-settlement terms, not just the headline rate.
- Residency and status
Both residents and non-residents can secure UAE mortgages, though non-residents face lower LTV caps and fewer lenders. A purchase of AED 2M or more can also qualify you for a 10-year Golden Visa.
Ready to get pre-approved?
Our advisors work with FAB, ENBD, ADCB and more to find you the right rate.
WhatsApp an advisor to get pre-approval