UAE Mortgage Rates 2025: Calculate Your Repayments Now
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Frequently Asked Questions
Most banks allow borrowing up to 7x your annual income, but this depends on your profile. Existing loans or credit cards will reduce your maximum limit.
Rates vary across banks and depend on your personal profile, income type, and whether you’re salaried or self-employed.
Yes, depending on individual profiling. Non-residents can typically access up to 60% financing, with fixed rates starting from 3.89% for 3 years.
Expat residents (first property): 20%
UAE nationals (first property): 15%
Expat residents (second property): 40%
UAE nationals (second property): 35%
Some banks offer exceptions if your existing mortgage is below 60% LTV.
Salaried applicants: ID, salary certificate, 6 months’ payslips, 6 months’ bank statements, details of liabilities
Self-employed applicants: ID, trade licence, company documents (MOA, incorporation, shareholder certificates, etc), audited accounts or 12 months business statements, 6 months personal statements, details of liabilities.
Typically a few days, depending on your bank and how quickly documentation is provided.
If you want personalized guidance, our mortgage specialists are here to help you understand your options and secure the best possible rates.