UAE Mortgages & Home Financing

A mortgage facility allows you to acquire residential or commercial property in the UAE, using the property itself as collateral. We assess your Debt Burden Ratio (DBR) and connect you with leading UAE banks and direct financing partners.

• Down Payment Requirements: Upfront equity required under UAE Central Bank rules—typically a minimum of 20% for expatriates and 15% for UAE nationals on first-home purchases under AED 5M (minimum 30%–35% for second homes/investment properties).

• Competitive Profit Rates: Favorable fixed and reducing rates linked to EIBOR (Emirates Interbank Offered Rate), tailored to your salary tier and credit profile.

• Repayment Tenors: Structured durations from 5 years up to a regulatory maximum of 25 years (subject to age retirement caps at maturity).

• Closing & Arrangement Fees: Standard setup costs typically include a bank processing fee (up to 1.05% incl. VAT), property valuation fee (approx. AED 2,500–3,500), and Dubai Land Department (DLD) or local municipal transfer and registration charges.

• Mandatory Insurance: In place of PMI, UAE lenders require mandatory Home/Property Insurance and Term Life Insurance covering the principal liability.

• Early Settlement / Partial Prepayment: Regulated under UAE Central Bank consumer protection rules, capped at a maximum of 1% of the outstanding balance (or AED 10,000, whichever is lower) plus VAT.

Disclaimer: Mortgage approvals, interest rates, and loan-to-value (LTV) ratios are subject to applicant eligibility, valuation of the property, AECB credit history, and Central Bank of the UAE lending guidelines. Dar Al Sekkah Finance acts as a financial consultancy and independent credit broker.