Dubai Mortgage Guide for Expats: How Much Can You Borrow? (2026)
Updated · Property Demand
UAE banks lend to expat residents and many non-residents, within loan-to-value (LTV) limits set by the UAE Central Bank.
Loan-to-value limits for expats
- First home under AED 5 million: up to 80% (20% minimum down payment)
- First home AED 5 million or more: up to 65%
- Second or investment property: up to 60%
- Off-plan: most banks cap at around 50%
- Non-residents: typically 50% to 60%
UAE nationals can borrow slightly more: 80% under AED 5 million, 70% above, and 65% on additional properties.
Remember the fees are not financed
Your down payment must be paid in cash, plus about 6% to 8% for fees (DLD 4%, agent, trustee and mortgage registration). See our buying costs guide.
What banks look at
- Income and employment (salary certificate or business accounts)
- Debt burden ratio: total monthly debt repayments are generally capped at 50% of income
- Credit history (Al Etihad Credit Bureau score for residents)
- Age, as loans must usually end by retirement age
Fixed or variable rate?
Most Dubai mortgages offer an initial fixed period of one to five years, then switch to a variable rate linked to EIBOR. Compare the follow-on rate and early settlement fees, not just the headline rate.
Frequently asked questions
How much deposit do I need to buy in Dubai as an expat?
At least 20% for a first home under AED 5 million, 35% for a first home above AED 5 million, and 40% for a second property, plus about 6% to 8% in fees.
Can non-residents get a mortgage in Dubai?
Yes, some UAE banks lend to non-residents, usually up to 50% to 60% of the property value, with stricter income requirements.
Can I get a mortgage for off-plan property in Dubai?
Some banks finance off-plan purchases, usually up to about 50% of value. Many buyers use the developer's payment plan and arrange a mortgage at handover.
General information, not legal, tax or financial advice. Fees and rules change; confirm with the Dubai Land Department, your bank or a licensed professional.
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