Check my rate options
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See your monthly repayment and key upfront costs.
Adds the DLD transfer fee and mortgage registration to your deposit. Other DLD, trustee, valuation, agency and bank fees are extra.
Set your own figure for illustration. Your actual rate depends on your profile and is confirmed only in the lender's written offer.
Estimate only. Dubai fees shown, assuming you pay the full 4% DLD fee. Bank LTV limits are not applied. Other DLD fees (title deed, map, knowledge and innovation), trustee, valuation, agency and bank fees are extra.
A mortgage structured for your situation.
Buying, switching bank, paying a handover or releasing equity: we match your case to the lenders whose criteria fit it.
Resident mortgages
Home loans for UAE residents, expats and nationals, salaried or self-employed, fixed or variable.
Resident home loans →Switch bank (buyout)
Already paying a mortgage? See whether moving it to another bank would lower your payment after early settlement costs.
Mortgage buyout →Handover payments
Bought off-plan and the final handover payment is due? We compare the banks on our panel for your handover mortgage.
Handover finance →Non-resident mortgages
Buy in Dubai or Abu Dhabi from overseas. Much of the process can be handled remotely, depending on the bank.
Non-resident mortgages →Equity release
Unlock equity from a property you own.
Equity release →Commercial finance
Finance for commercial property such as offices and retail units.
Commercial finance →We compare our panel of 18+ UAE banks, then explain the options that fit you.
Advertised rates are a starting point. Your rate depends on your profile and is confirmed only in the lender's written offer.
We publish a rate guide for 14 of the banks on our panel: Emirates NBD, First Abu Dhabi Bank, ADIB, Mashreq, RAKBANK, Dubai Islamic Bank, Emirates Islamic, Standard Chartered, HSBC, Commercial Bank of Dubai, Arab Bank, Sharjah Islamic Bank, United Arab Bank, Ajman Bank. See current pricing on our UAE mortgage rates page.
Maximum LTV shown is the CBUAE limit for an expatriate buying a first, completed home under AED 5 million; for UAE nationals it is 85%. Limits are lower above AED 5 million, for second homes and for off-plan (50%). The CBUAE regulation sets limits by nationality and by first home or investment property, not by residency; each bank sets its own non-resident criteria within those limits. Source: CBUAE Regulations Regarding Mortgage Loans (C 31/2013, as consolidated in 2020), Article 3(2), checked 13 Sep 2026.
From first call to registration, we stay on your file.
Free assessment
Tell us your income, nationality and the property. You get an early eligibility view, with no obligation.
Bank comparison
We run your profile across our panel of 18+ UAE banks and identify the lenders whose criteria fit your profile.
Pre-approval
We submit your application to the lender and help you answer its document requests.
Offer & transfer
From final offer through DLD registration, we coordinate with the bank, trustee and other parties.
Clear advice across 18+ UAE banks. No Mortg Ease client brokerage fee.
When you go directly to a bank, you only see that bank's products. Mortgease compares our panel of 18+ UAE banks at once. The lender pays us on completion, so there is no Mortg Ease client brokerage fee. Bank, valuation, government registration, trustee, insurance and any agency costs still apply.
We show our working
We are paid by the lender. We tell you which banks we compared and why one may suit you, and you choose the bank.
Complex cases welcome
Self-employed? Non-resident? Need equity release? We specialise in the applications banks find harder, and prepare them properly.
Level 41, Emirates Towers
Our Dubai office, working with a panel of 18+ UAE banks.
Mortgage advice across Dubai and the UAE.
We work with buyers across Dubai, Abu Dhabi and the other emirates, subject to bank and property criteria. Who can buy differs by community and by release, so ask us about a specific property.
Dubai
Areas
- Dubai Creek Harbour
- Dubai Hills Estate
- Emaar Beachfront
- MBR City
- Dubai South
- Jumeirah Village Circle
- Jumeirah Lake Towers
- Business Bay
- Dubai Marina
- Downtown Dubai
- Palm Jumeirah
- Rashid Yachts & Marina
- Mina Rashid
- Bluewaters Island
- Sobha Hartland
- Al Furjan
- Arjan
- Dubai Silicon Oasis
- Dubai Sports City
- Dubailand
- Arabian Ranches
Projects
(13)
- The Oasis by Emaar
- Meraas projects
- Sobha Hartland II
- Sobha One
- Dubai Creek Harbour
- Emaar Beachfront
- Address Residences Jumeirah Resort
- The Heights Country Club & Wellness
- DAMAC Lagoons
- Couture by Cavalli
- Six Senses Residences The Palm
- Binghatti projects
- Bulgari Lighthouse
Abu Dhabi
Areas
- Al Reem Island
- Yas Island
- Saadiyat Island
- Hudayriyat Island
- Al Raha Beach
- Khalifa City
- Zayed City
- Masdar City
- Al Raha Gardens
- Al Shamkha
- Al Reef
- Al Ghadeer
- Mohammed Bin Zayed City
Projects
(14)
- Yas Park Gate · Yas Island
- Yas Park Views
- The Sustainable City · Yas Island
- The Source II · Saadiyat Island
- Renad Tower · Al Reem Island
- Manzel · Reem Hills
- Majlis · Reem Hills
- Canal by M · Al Reem Island
- Reem Eight · Al Reem Island
- Mayyas at The Bay · Yas Island
- Al Ghaf · Saadiyat Lagoons
- Fay Alreeman II · Al Shamkha
- Marlin · Al Reem Island
- Elie Saab Waterfront
Unless we state a partnership, listing a project, developer or brand name does not imply any affiliation with or endorsement by that developer or brand.
Also Sharjah and the other emirates, subject to bank and property criteria. Buying somewhere not listed here? Ask us about it.
Ask about your areaWhat clients say.
Excellent service from start to finish. Mortgease made the mortgage process smooth and stress free. They compared multiple banks for me and explained everything clearly.
Extremely impressed with the service for my home loan. As a small business owner they advised me on the best solution and took care of the full process from start to finish.
Professional, responsive, and honest. The team really knows the Dubai mortgage market. They saved me time by handling all the paperwork and negotiations.
Straight answers on UAE mortgages.
Still unsure? Ask on WhatsApp and an advisor replies.
Ask on WhatsAppDo I pay Mortgease anything?
There is no Mortg Ease client brokerage fee. The lender pays us on completion. Bank, valuation, government registration, trustee, insurance and any agency costs still apply.
How much deposit do I need?
For a first home, expatriate residents need at least 20% below AED 5 million and UAE nationals 15% up to AED 5 million. Above AED 5 million it is 30% and 25%, more for a second home, and 50% for off-plan. The CBUAE regulation does not set a separate non-resident limit, and each bank can ask for a larger deposit. In Dubai, also budget for the DLD transfer fee (4% of the price, in practice the buyer usually pays all of it) and mortgage registration at 0.25% of the loan plus AED 290.
Can I get a mortgage if I'm self-employed?
Often, yes. Lenders differ widely on how they assess business income, so we look for the banks whose criteria fit your business.
How long does approval take?
An advisor responds within 24 hours on working days. Bank conditional pre-approval typically takes 3 to 5 working days after complete documents, subject to lender checks.
Can I buy from outside the UAE?
Yes. Several UAE banks lend to non-residents, usually with a lower loan-to-value. Much of the process can be handled remotely; whether anyone must attend in person depends on the bank and the transfer.
Is an advertised rate an offer?
No. Advertised rates are a starting point. Pricing depends on your income, residency, property and term, and your rate is confirmed only in the lender's written offer.
Know the market before you commit.
Get an early view of what you may be able to borrow.
One short conversation, our panel of 18+ UAE banks compared, and your file started. No Mortg Ease client brokerage fee, no obligation.