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).

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.

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.

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.

For expatriates, the minimum down payment is usually 20% of the property's value. For UAE nationals, it starts from 15%. Higher-value properties may require a larger deposit.

Key documents include: passport and Emirates ID (for residents), salary certificate or trade licence (if self-employed), recent bank statements (3–6 months), proof of income and address, and property documents once selected.

Yes. Self-employed applicants must provide business financials, a valid trade licence, and bank statements proving consistent income.

Pre-approval typically takes 3–5 working days. Final mortgage approval, including property valuation and processing, can take 1–3 weeks depending on the bank and documentation.

Mortgage pre-approval is a bank's conditional agreement to lend you a certain amount. It helps you understand your budget, negotiate confidently with sellers, and speed up the buying process.

We work with top banks to offer the best rates, with personalised support from mortgage experts, fast pre-approvals, resident and non-resident options, and a transparent, hassle-free process.