Your Trusted Mortgage Partner
Helping You Finance Your Dream Home.
Independent Mortgage Advisors helping residents and international buyers secure the right mortgage across the UAE.
- RERA Licensed Brokerage
- Bank Rates, Compared
- Always Free Advice
Today, at a glance
- Fixed rates
- from 3.74%
- Pre-approval
- 3–5 working days
- Down payment (expats)
- from 20%
- Advice & comparison
- Always free
0+
Partner banks compared
3–5 days
Typical pre-approval
0%
Independent advice
Dubai & Sharjah
On-the-ground coverage
Mortgage services
Every mortgage, handled end to end.
Residential Mortgage
Tailored home financing for UAE residents, with the best bank rates and a simplified approval process.
First-Time Buyers
Buying your first home? We translate the jargon, map the costs and secure a mortgage that fits.
Home Purchase
Ready-property financing for villas, townhouses and apartments across the Emirates.
Mortgage Refinance
Paying too much? Move your existing mortgage to better terms and cut your monthly repayment.
Remortgage
Restructure your existing loan — new rate, new tenure, or additional funds against your property.
How it works
Four steps from first call to keys.
- 01
Consult
A short call to understand your plans, income and timeline. Free, independent, no obligation.
- 02
Pre-Approve
We package your documents and secure a bank pre-approval — typically within 3–5 working days.
- 03
Match & Negotiate
We compare offers across lenders and negotiate the rate, fees and terms on your behalf.
- 04
Complete
Valuation, final offer, transfer and handover — one advisor manages it to the keys.
100% freehold ownership for foreign investors in designated areas.
Why Dubai?
Unlock property ownership in the world’s fastest-growing city.
High returns, no taxes
Rental yields average 5–8% annually, with no property tax or capital gains tax — your investment works harder for you.
Full ownership & global access
Expats and foreign investors enjoy 100% freehold ownership in key areas, with world-class connectivity.
Safe, stable & investor-friendly
Strong regulation through the Dubai Land Department, and long-term residency options like the Golden Visa.
Decide with numbers, not guesswork
Four tools that mirror UAE lender underwriting.
Repayments, loan-to-value, income eligibility and full prequalification — open a tile below and every figure recalculates instantly.
Your details
Estimated monthly repayment
AED 6,327
Illustrative only — not an offer of finance. Actual rates depend on your profile and lender.
Standard UAE amortisation: monthly payment = loan × monthly rate ÷ (1 − (1 + monthly rate)⁻ⁿ). Adjust any figure and every result updates instantly.
Your purchase
Residency status
Property status
This will be your
Maximum loan-to-value
80%
Based on UAE Central Bank lending caps. Off-plan purchases are capped at 50% LTV for every buyer; the down payment must come from your own funds, not a borrowed source. Indicative only.
UAE Central Bank caps loan-to-value by residency, property status and whether it's your first mortgaged property — off-plan is capped at 50% for every buyer, regardless of price.
Your finances
Estimated borrowing power
AED 2,465,461
Based on the UAE Central Bank 50% debt burden cap and typical 80% LTV. Indicative only — lenders apply their own criteria.
Uses the UAE Central Bank's 50% Debt Burden Ratio cap — the maximum share of gross income that can go toward all debt repayments, mortgage included.
Your profile
Residency
Property
Estimated max loan
AED 1,440,000
Indicative pre-qualification only, not a credit decision or offer of finance. Final approval always depends on the lender’s full underwriting and credit check.
Cross-checks your income-based borrowing capacity against the property's loan-to-value cap, and flags whether your target purchase and down payment are within reach today.
Why choose Homease
Clear advice. Better rates. Zero stress.
Expert Mortgage Advisors
Personalised guidance tailored to your financial goals.
Best Bank Rates
We partner with leading UAE banks to secure the most competitive rates.
Quick Pre-Approvals
Speed up your home search with fast, hassle-free pre-approvals.
Transparent Process
No hidden fees or surprises — just clear, honest advice.
Expats & Locals
UAE resident or overseas, we make homeownership possible.
End-to-End Assistance
From application to handover, we handle everything.
Client stories
Trusted by buyers at home and abroad.
Pre-approved within the week and kept informed at every step. The rate they negotiated beat my own bank's offer comfortably.
I bought in Business Bay without flying in once. Documents, valuation, completion — all handled remotely and on schedule.
They showed us the full cost comparison before we switched. The saving was real — about AED 900 a month.
Downtown Dubai — photographed by the Homease team.
Resources
Guides written by advisors, not algorithms.
Guide
Mortgage Pre-Approval in Dubai
Why pre-approval matters, what banks look for, and how to secure it in 3–5 working days.
Guide
The Expat's Guide to UAE Mortgages
Eligibility, freehold areas, down payments and lending terms for expatriates buying in the UAE.
Guide
Buying from Abroad: Non-Resident Mortgages
How overseas investors finance UAE property — documents, rates and the end-to-end process.
Guide
Refinancing & Mortgage Buyouts
When it pays to switch: reducing repayments by transferring your mortgage to better terms.
From the blog
Market insight, monthly.
Blog
Top 10 Mortgage Consultants in Dubai
Compare the leading mortgage brokers, home loan advisors and UAE property financing companies.
Blog
Top Property Mortgage Providers in Dubai, 2026
Who's lending, at what terms, and how to choose between them this year.
Blog
Real Estate Investment Options for Expats
Freehold areas, yields and financing routes for expatriate investors in Dubai.
Common questions
Answers before you even ask.
What is a mortgage in the UAE?
A mortgage in the UAE is a type of loan used to finance the purchase of a property. It's secured against the property itself, and you repay it over time with interest to the lender (usually a bank or financial institution).
Who can apply for a mortgage in the UAE?
Both UAE residents and non-residents can apply. You must be at least 21 years old and meet the lender's income and employment criteria.
What is the minimum salary required for a home loan in the UAE?
Most banks require a minimum monthly salary of AED 10,000 for salaried individuals. However, it may vary depending on the lender and the mortgage type.
Can expatriates get a mortgage in the UAE?
Yes. Expatriates can apply for a mortgage to buy property in designated freehold areas across the UAE. Lending terms may differ slightly from those offered to UAE nationals.
Ready to own your dream home?
Speak with an expert today.
Get pre-approved for a mortgage in minutes and unlock competitive rates tailored to your financial situation — for residents, expats and international investors.
