Emirate
Mortgages in Dubai | Expert UAE Mortgage Broker
Dubai is the UAE's most dynamic real estate market, offering everything from affordable apartments to ultra-luxury waterfront villas across more than 30 freehold areas. With a wide range of lenders competing for business, buyers can access competitive mortgage rates and flexible structures to suit all budgets.
Get Mortgage AdviceKey Information
Typical Price Range
AED 600K – 50M+
Min. Down Payment
20% (expats), 15% (UAE nationals)
Max Loan Tenure
25 years
Popular Property Type
Apartments, villas, penthouses
Why Buy in Dubai
- ✓Over 30 designated freehold zones open to all nationalities
- ✓Strong rental yields averaging 5–8% in mid-market areas
- ✓No income tax on rental income or capital gains
- ✓Access to 20+ mortgage lenders including all major UAE banks
Frequently Asked Questions
How much deposit do I need to buy property in Dubai?+
Expatriates purchasing property in Dubai typically need a minimum 20% deposit for properties priced up to AED 5M, rising to 30% above that threshold. UAE nationals benefit from a lower 15% minimum deposit.
Can non-residents get a mortgage in Dubai?+
Yes, select UAE banks offer non-resident mortgages for Dubai properties, though the choice of lenders is narrower and down payment requirements are usually 25–35%. Bradgate Heights can identify the most suitable lenders for your situation.
What is the maximum mortgage term available in Dubai?+
The UAE Central Bank caps residential mortgage terms at 25 years, and the loan must be fully repaid by the borrower's 70th birthday (65 for self-employed applicants).
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