Islamic Mortgages in the UAE

Sharia-compliant home finance structured as Ijara or Murabaha — we compare the best Islamic mortgage products across the UAE.

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Islamic mortgages, structured in accordance with Sharia law, are widely available across the UAE and are popular with both Muslim and non-Muslim buyers who prefer an ethical, interest-free financing model. The two most common structures are Ijara, a lease-to-own arrangement, and Murabaha, a cost-plus-profit sale. Bradgate Heights works with dedicated Islamic banks and the Islamic windows of conventional banks to find the most competitive Sharia-compliant product for your UAE property purchase.

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Why Choose Bradgate Heights

Sharia-Compliant Structure

Islamic mortgages are structured to avoid riba (interest), making them compliant with Islamic principles and approved by the bank's independent Sharia Supervisory Board.

Competitive Total Cost

Modern Islamic mortgage products are designed to be competitive with conventional mortgages in terms of overall cost, and in some cases offer a lower effective rate.

Widely Available

Islamic mortgage products are offered by major UAE institutions including Abu Dhabi Islamic Bank, Dubai Islamic Bank, Emirates Islamic, and the Islamic windows of several conventional lenders on our panel.

Suitable for All Buyers

Islamic mortgages are not restricted to Muslim buyers. Any UAE resident or non-resident can access these products, and they are increasingly chosen for their transparency and ethical financing framework.

How It Works

Check Eligibility

We assess your financial profile against the eligibility criteria of Islamic lenders, which are broadly similar to conventional mortgages with some differences in required documentation.

Choose Product

We explain the differences between Ijara and Murabaha structures and present a comparison of available Islamic products and profit rates across our lender panel.

Application

We manage your Islamic mortgage application, ensuring all documentation meets the specific requirements of your chosen Islamic lender and their Sharia compliance process.

Completion

We coordinate the Sharia-compliant transfer process, which involves the bank purchasing the property and then leasing or selling it to you, ensuring all parties are satisfied.

Frequently Asked Questions

What is the difference between Ijara and Murabaha Islamic mortgages?+

In an Ijara structure, the bank purchases the property and leases it to you, with a portion of each payment reducing your outstanding balance until you own the property outright. In a Murabaha structure, the bank purchases the property and sells it to you at a pre-agreed higher price payable in instalments.

Are Islamic mortgage rates competitive with conventional UAE mortgages?+

Yes, Islamic mortgage products are structured to be broadly competitive with conventional products. The profit rate applied by Islamic lenders is calculated to reflect market rates and the product is transparent in its total cost of finance.

Can non-Muslims apply for an Islamic mortgage in the UAE?+

Yes, Islamic mortgages in the UAE are open to applicants of all faiths. Many non-Muslim buyers choose Islamic products for their transparent structure, asset-backed nature, and ethical underpinning.

Is the down payment requirement different for an Islamic mortgage in the UAE?+

The Central Bank LTV rules apply equally to Islamic and conventional mortgages, so the minimum down payment is the same. Individual Islamic lenders may have their own additional eligibility requirements.

Are Islamic mortgages available for off-plan properties in the UAE?+

Yes, Islamic off-plan financing is available through a number of UAE lenders. The specific Sharia-compliant structures used for off-plan transactions differ slightly and we explain these clearly during the product selection stage.

Ready to get started?

Speak to a specialist today for a free, no-obligation consultation. We compare 20+ UAE lenders to find the mortgage that is right for you.

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