UAE Mortgages — every bank, one application
We arrange residential mortgages across all major UAE banks — conventional and Islamic — for UAE nationals, resident expats and non-resident investors. Fixed rates currently start from roughly 3.9–4.3% for salary-transfer applicants, with variable offers linked to EIBOR. Run your numbers below under the exact UAE Central Bank rules, then let us take it to the banks.
UAE mortgage calculator — Central Bank rules applied
Loan-to-value caps, the 50% debt-burden ratio and the 25-year maximum term are applied automatically. Upfront government and transaction fees are itemised, including the 4% DLD fee which cannot be financed.
Upfront costs (paid in cash)
down payment + fees—
Estimates only, based on UAE Central Bank LTV/DBR regulations and typical Dubai fee schedules. Non-resident LTVs reflect common bank policy rather than a published cap. Final terms are set by the lender. This is not financial advice.
Get pre-approved with these numbersUAE Central Bank lending caps at a glance
| Buyer | First home ≤ AED 5M | First home > AED 5M | Second / investment | Off-plan (any) |
|---|---|---|---|---|
| UAE National | 85% LTV | 75% LTV | 65% LTV | 50% LTV |
| Resident Expat | 80% LTV | 70% LTV | 60% LTV | 50% LTV |
| Non-Resident | 50–65%* | 50–60%* | ~50%* | ≤50%* |
*Non-resident limits are set by individual bank policy within the Central Bank framework. Maximum term 25 years; total monthly debt repayments capped at 50% of gross income; end-of-service benefits cannot be counted as repayment source.
UAE banks we work with
One application pack from Ambizent, compared across the whole market — conventional and Sharia-compliant. Rates below change frequently; ask us for today's sheet.
| Bank | Finance type | Known for |
|---|---|---|
| Emirates NBD | Conventional + Islamic (EI) | UAE's largest bank; competitive fixed rates, strong for salary-transfer clients. |
| First Abu Dhabi Bank (FAB) | Conventional + Islamic | Strong on high-value properties and non-resident programmes; competitive multi-year fixed offers. |
| Abu Dhabi Commercial Bank (ADCB) | Conventional + Islamic | Fast pre-approvals; popular with resident expats, dedicated NRI desk. |
| Mashreq | Conventional + Islamic | Digital-first processing; flexible on self-employed income documentation. |
| Dubai Islamic Bank (DIB) | Islamic (Sharia-compliant) | Leading Islamic home finance; competitive EIBOR-linked profit rates. |
| Abu Dhabi Islamic Bank (ADIB) | Islamic (Sharia-compliant) | Popular Sharia-compliant option with strong UAE-national programmes. |
| Emirates Islamic | Islamic (Sharia-compliant) | Emirates NBD's Islamic arm; regular promotional fixed profit-rate campaigns. |
| HSBC UAE | Conventional | Competitive rates for higher-income borrowers; useful for international income. |
| Standard Chartered | Conventional | Preferential pricing for Priority clients; good for globally mobile buyers. |
| RAKBANK | Conventional + Islamic | Among the lowest minimum-salary requirements; strong mid-market focus. |
| Sharjah Islamic Bank | Islamic (Sharia-compliant) | Frequently among the sharpest short-term fixed rates in the market. |
| Commercial Bank of Dubai (CBD) | Conventional + Islamic | Developer tie-up programmes (incl. Dubai Holding communities); flexible packages. |
| Ajman Bank | Islamic (Sharia-compliant) | Home-market strength in Ajman and the Northern Emirates. |
| United Arab Bank | Conventional | Competitive fixed offers for salaried applicants. |
| National Bank of Fujairah | Conventional | Selective but competitive; strong Northern Emirates coverage. |
How pre-approval works with Ambizent
UAE mortgage questions, answered
How much deposit do I need for a UAE mortgage?
Under UAE Central Bank rules, resident expats need a minimum 20% down payment on a first home under AED 5 million (30% above AED 5M), UAE nationals 15% (25% above AED 5M), and all off-plan purchases require at least 50%. Non-residents typically need 35–50% depending on the bank.
What is the maximum mortgage term in the UAE?
25 years is the regulatory maximum. Banks also require the loan to finish by around age 65 for salaried borrowers or 70 for the self-employed, whichever comes first.
What is the debt burden ratio (DBR)?
Your total monthly debt repayments — mortgage, car loans, personal loans and credit-card minimums combined — cannot exceed 50% of your gross monthly income under Central Bank rules.
Can the 4% Dubai Land Department fee be added to my mortgage?
No. The 4% DLD transfer fee and agency fees must be paid from your own funds and cannot be financed within the mortgage, so budget roughly 6–7% of the purchase price in upfront costs on top of your down payment.
Are Islamic mortgages more expensive?
Not necessarily. Ijara and Murabaha home finance from banks like DIB, ADIB and Emirates Islamic is priced to compete directly with conventional products; compare the total cost over the term rather than the structure.
Can non-residents get a UAE mortgage?
Yes. Several banks, including FAB and select others, run non-resident programmes. Expect lower loan-to-value (typically 50–65%), a shorter document list focused on international income proof, and slightly higher rates.
Want today's best rate for your profile?
Send us your salary band, nationality and target price — we'll reply the same day with the sharpest current offers across all UAE banks.