AREA · DAMAC HILLS 1 & 2
Mortgage DAMAC Hills — Family Villa Community Finance
DAMAC Hills 1 (Trump International Golf Club community) and DAMAC Hills 2 (accessible-price family villas) together form one of Dubai's largest mid-market villa markets. GCC Mortgages arranges finance across both communities and all sub-clusters. Rates from 3.75% p.a. across 25+ UAE banks.
DAMAC Hills 1 vs DAMAC Hills 2
DAMAC operates two adjacent master-plans in south Dubai (formerly Dubailand). DAMAC Hills 1 is the older, more established community anchored by the Trump International Golf Club Dubai. DAMAC Hills 2 is a newer, larger community centred on a community lagoon and park, targeting a more accessible price point.
DAMAC Hills 1 — Golf-course community
- Trump International Golf Club Dubai — 18-hole championship course
- Retail and dining — established community amenities
- Villa sub-communities — Whitefield, Rockwood, Silver Springs, Odora, Aknan, Loreto, Hajar and more
- Signature villas — Fendi-styled and other designer branded homes
- Central location — 25–30 minutes to Dubai Marina
DAMAC Hills 2 — Accessible family community
- Community lagoon and park — central water feature and landscaped park
- Accessible entry pricing — 3-bed townhouses from AED 1.5M
- Villa sub-communities — Camellia, Amazonia, Sanctuary, Casa Viva, Just Cavalli and others
- Newer infrastructure — most sub-communities delivered 2020+
- Family-oriented — schools, retail, community centre
DAMAC Hills 1 Property Market
- 3-bed townhouses: AED 2.5M to AED 4M
- 4-bed villas: AED 4M to AED 7M
- 5-bed villas: AED 5M to AED 10M
- 6-bed+ villas: AED 8M to AED 15M
- Golf-fronting signature villas: AED 10M to AED 30M+
DAMAC Hills 2 Property Market
- 3-bed townhouses: AED 1.5M to AED 2.5M
- 4-bed townhouses: AED 2M to AED 3M
- 4-bed villas: AED 2.5M to AED 4M
- Larger villas: AED 3.5M to AED 6M+
Mortgage Options for DAMAC Hills 1 & 2
Fixed-rate mortgages
Best rates from 3.75% p.a. for salary-transfer customers.
Off-plan finance
DAMAC continues to launch new phases across both communities. See Off-Plan Mortgage Dubai for how staged disbursement and handover finance work.
First-time buyer support
DAMAC Hills 2's accessible pricing suits first-time villa buyers. See First-Time Buyer Dubai.
Buy-to-let
Both communities have strong family-tenant demand. See Buy-to-Let Mortgage UAE.
Golden Visa (for AED 2M+)
DAMAC Hills 1 villas typically exceed the AED 2M Golden Visa threshold. Smaller DAMAC Hills 2 townhouses may need aggregating with a second property to qualify.
How Much Can You Borrow in DAMAC Hills?
- Expat buyers — property ≤ AED 5M
- Max 80% LTV · Min 20% deposit
- Expat buyers — property > AED 5M
- Max 70% LTV · Min 30% deposit
- UAE nationals
- Max 85% LTV · Min 15% deposit
- Non-residents
- Max 65% LTV · Min 35% deposit
- Off-plan during construction
- Max 50% LTV
- Debt Burden Ratio (DBR)
- Total debt ≤ 50% of gross monthly salary
- Min monthly salary (typical)
- AED 15,000
Upfront Costs
- DLD transfer / Oqood fee: 4% of purchase price
- Estate agent commission: typically 2% plus VAT (waived direct-from-developer)
- Mortgage registration: 0.25% of loan amount plus AED 290
- Property valuation fee: AED 2,500 to AED 3,500
- Bank arrangement fee: typically 1% of loan amount
- Trustee office fee: approximately AED 4,000
Our DAMAC Hills Mortgage Services
- Family villa purchase mortgages
- Off-plan finance for new DAMAC launches
- First-time buyer support for DAMAC Hills 2 townhouses
- High-value signature villa mortgages
- Buy-to-let for rental-focused investors
- Islamic finance options
Frequently Asked Questions — Mortgage DAMAC Hills
What is the difference between DAMAC Hills and DAMAC Hills 2?
DAMAC Hills (originally Akoya) is the older, more established community anchored by Trump International Golf Club Dubai. DAMAC Hills 2 (formerly Akoya Oxygen) is a newer, larger master-plan around a lagoon/community park. Both are DAMAC-developed but at different price points — DAMAC Hills 1 is more premium/mature, DAMAC Hills 2 more accessible/mid-market.
Is DAMAC Hills a good area to buy?
Yes — for mid-market family villa buyers wanting community amenities and DAMAC-developer scale. DAMAC Hills 1 offers Trump International Golf Club access, established retail and community facilities. DAMAC Hills 2 offers more accessible entry pricing with newer infrastructure. Both are good buy-to-let performers for family tenants.
What are the price ranges?
DAMAC Hills 1: 3-bed townhouses AED 2.5M–4M, 4-bed villas AED 4M–7M, 5-bed+ villas AED 5M–15M, signature golf-fronting villas AED 10M–30M+. DAMAC Hills 2: 3-bed townhouses AED 1.5M–2.5M, 4-bed villas AED 2M–4M — materially more accessible.
Can I get a mortgage on off-plan DAMAC property?
Yes — DAMAC is on every major UAE bank's approved developer list. Off-plan finance is capped at 50% LTV during construction under Central Bank rules, with refinance to 80% (expat) available at handover.
What rental yields do DAMAC Hills communities produce?
DAMAC Hills 1 villas typically produce 4–6% gross yields. DAMAC Hills 2 townhouses achieve 6–8% given the more accessible entry pricing. Family-tenant demand is consistent across both communities.
Buying in DAMAC Hills 1 or 2?
Mid-market family villa specialists. Rates from 3.75% p.a. 25+ banks compared.