HSBC UAE Mortgage — Global Banking, Local Expertise
Enquire NowHSBC UAE offers a comprehensive range of mortgage products backed by one of the world's most recognised banking brands. Whether you're a UAE resident, expat, or non-resident investor, HSBC provides competitive fixed and variable rate options for property purchases across the Emirates.
Key Features
- ✓Fixed and variable rate options
- ✓Finance for residents and non-residents
- ✓Up to 80% LTV for UAE nationals
- ✓Dedicated relationship manager support
Typical Rates
From 3.99% fixed for 1 year, reverting to EIBOR + 1.45%
Rates are indicative and subject to change. Contact us for a personalised quote.
Frequently Asked Questions
Can non-residents apply for an HSBC UAE mortgage?+
Yes, HSBC UAE offers mortgage products specifically designed for non-resident buyers. Eligibility criteria and maximum loan-to-value ratios may differ from resident products, so it's worth speaking to a broker to understand exactly what you qualify for.
What is the minimum salary requirement for an HSBC UAE mortgage?+
HSBC UAE typically requires a minimum monthly salary of AED 15,000 for salaried applicants, though this can vary by product and nationality. Self-employed applicants are assessed on documented business income over a minimum of two years.
How long does HSBC UAE take to approve a mortgage?+
A pre-approval decision from HSBC UAE usually takes 3–5 working days once all documentation has been submitted. Full mortgage approval after property valuation is typically completed within 2–3 weeks.
Does HSBC UAE offer an offset mortgage facility?+
HSBC UAE does offer home loan products with linked current account benefits that can help reduce the effective interest you pay over time. Your broker can explain how these structures work and whether they suit your financial profile.
Ready to apply with HSBC UAE?
Let Bradgate Heights handle the application for you. We manage every step from pre-approval through to completion.
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