What deposit do I need for a mortgage in the UAE?

Expats need 20% down on a first home up to AED 5M (30% above AED 5M); UAE nationals need 15%. A second or investment property needs 40% down. Add roughly 7–8% of the price for purchase costs on top.

How much mortgage can I get on an AED 30,000 salary in the UAE?

On an AED 30,000 monthly salary with no other loans, UAE banks can allow up to AED 15,000 in total monthly instalments (the 50% debt burden ratio). At 3.75% over 25 years that supports a mortgage of roughly AED 2,917,543 — about an AED 3,646,929 property at 80% financing. Existing loans and card limits reduce this.

What are current mortgage rates in the UAE?

Advertised fixed rates in verified bank circulars currently run from about 3.75% to 4.49% depending on bank, salary transfer and fixed period. The Mortgease UAE Rate Index — the average best advertised rate — stands at 3.93% (July 2026).

Mortgage Questions, Answered

The questions UAE buyers actually ask — answered straight, from verified bank data.

Every answer below sticks to what we can verify — UAE Central Bank rules, the fee set we use in real proposals, and rates from official bank circulars. Pick a question, or ask us yours directly.

Verified UAE pricing · July 2026

from 3.75% p.a.

Lowest advertised fixed rate in our verified circular set.

Property value AED 2,000,000

Down payment 20% · AED 400,000

Loan term 25 years

Interest rate 3.75% p.a.

Lowest advertised verified rate — we confirm your personal rate free.

Estimated monthly payment

AED 9,490/mo

Loan AED 1,600,000

Affordability

Deposit & LTV

Process & eligibility

Rates

Buyout & switching

Non-resident

Self-employed

Islamic finance

Costs & fees

Off-plan

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Compare with other UAE banks

Standard Chartered mortgage → ADCB mortgage → ADIB mortgage → CBD mortgage → Dubai Islamic Bank mortgage → All 12 bank guides →

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