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Emirates NBD Mortgage — UAE's Leading Home Finance Solution

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Emirates NBD is one of the UAE's largest and most trusted banks, offering a wide portfolio of mortgage products for UAE nationals, expats, and non-residents. With competitive rates and a streamlined digital application process, Emirates NBD is a popular choice for first-time buyers and seasoned property investors alike.

Key Features

  • ✓Competitive fixed and EIBOR-linked rates
  • ✓Up to 25-year mortgage tenure
  • ✓Quick pre-approval within 48 hours
  • ✓Wide range of eligible properties across UAE

Typical Rates

From 3.89% fixed for 1 year, reverting to EIBOR + 1.40%

Rates are indicative and subject to change. Contact us for a personalised quote.

Frequently Asked Questions

What loan-to-value ratio does Emirates NBD offer?+
Emirates NBD offers up to 80% LTV for UAE nationals and up to 75% LTV for expat residents on properties valued under AED 5 million. For properties above that threshold, LTV caps apply in line with Central Bank regulations.
Can I get a mortgage from Emirates NBD for an off-plan property?+
Yes, Emirates NBD finances selected off-plan projects from approved developers across Dubai and Abu Dhabi. The bank typically releases funds in stages aligned with construction milestones, and the property must be with a developer on their approved list.
What fees should I expect with an Emirates NBD mortgage?+
Standard fees include a processing fee of around 1% of the loan amount, a property valuation fee, and mortgage registration fees payable to the relevant land department. Your broker will provide a full cost breakdown before you commit.
Is Emirates NBD's mortgage available to self-employed applicants?+
Emirates NBD does consider self-employed applicants, provided they can demonstrate at least two years of stable business income through audited accounts and bank statements. A higher deposit may be required compared to salaried applicants.

Ready to apply with Emirates NBD?

Let Bradgate Heights handle the application for you. We manage every step from pre-approval through to completion.

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