Dubai Mortgage Broker:
Every UAE Bank. One Advisor.

Resident expats typically need 20% deposit on property up to AED 5 million, rising to 35% on anything above. UAE nationals get 15% up to AED 5M and 25% above. Non-residents start at 40% deposit, with some banks requiring 50%.

Fixed rates start from 3.75% p.a. for salaried expats transferring salary to Sharjah Islamic Bank, with most 3-year fixes between 3.95% and 4.39%. Variable rates run at EIBOR plus 1-2%, roughly 5.45-6.45% in late 2026.

Yes. HSBC, ADIB and Standard Chartered offer no-salary-transfer mortgages, typically 0.1-0.3% above their salary-transfer rate. Worth it if you prefer to keep your existing banking relationship.

UAE banks cap mortgages at roughly 7x annual salary for expats and 8x for UAE nationals, OR 50% debt burden ratio — whichever is lower. On AED 25,000 monthly salary with no other debt, that is approximately AED 2.1 million.

Beyond the deposit, budget around 6-8% of the property price in fees: 4% DLD transfer fee, 0.25% + AED 290 mortgage registration, AED 2,500-3,500 bank valuation, 2% agent fee (if applicable), and 5% VAT on broker and conveyancing fees. We send a full itemised breakdown with every pre-approval.

We compare rates across 18+ UAE banks in parallel; going direct means one bank's rate card. Broker-channel clients typically save 1-2% versus direct applications — tens of thousands of dirhams over the loan term. Our fee is paid by the bank, not by you.