Resident Mortgages in the UAE

Access the best mortgage rates in Dubai and the UAE as a resident, guided by brokers with 25+ years of local expertise.

As a UAE resident, you have access to some of the most competitive mortgage products in the region, with loan-to-value ratios of up to 80% for first properties. Bradgate Heights Mortgages works with over 20 lenders to find the right product for your circumstances, whether you are salaried, self-employed, or a business owner. Our team navigates the full application process on your behalf, from initial eligibility checks through to property registration.

FCA Regulated Advice

20+

UAE Lenders

80%

Max LTV

Free

Consultation

Why Choose Bradgate Heights

Higher LTV Ratios

UAE residents can access loan-to-value ratios of up to 80% on properties valued under AED 5 million, reducing the upfront capital required to enter the market.

Access to 20+ Lenders

We compare products across more than 20 UAE banks and mortgage providers to ensure you receive the most competitive rate and terms available to your profile.

Dedicated Case Manager

Every client is assigned a dedicated mortgage advisor who manages your case from start to finish, keeping you informed at every stage of the process.

Fast Pre-Approval

Our established relationships with UAE lenders allow us to secure mortgage pre-approvals in as little as 48 hours, giving you a confirmed budget before you search.

How It Works

Check Eligibility

We review your residency status, income documents, credit history, and liabilities to determine your borrowing capacity and the lenders most suited to your profile.

Choose Product

We present a personalised comparison of mortgage products, including fixed and variable rate options, and advise on the best fit for your goals and circumstances.

Application

Our team compiles your full application pack, liaises with the lender, and manages any requests for additional documentation on your behalf throughout underwriting.

Completion

Once approved, we coordinate with the bank, the developer or seller, and the Dubai Land Department to ensure a smooth property transfer and mortgage registration.

Frequently Asked Questions

What is the minimum down payment for a UAE resident mortgage?+

UAE Central Bank regulations require a minimum down payment of 20% for properties valued under AED 5 million for first-time buyers who are UAE residents. For properties above AED 5 million the minimum rises to 30%.

Can I get a UAE mortgage if I am on a fixed-term employment contract?+

Yes, many UAE lenders will consider applicants on fixed-term employment contracts, provided you have completed a minimum probationary period, typically three to six months, and have sufficient time remaining on your contract.

What salary do I need to qualify for a resident mortgage in the UAE?+

Minimum salary requirements vary by lender, but most UAE banks set a floor of AED 10,000 to AED 15,000 per month for salaried applicants. Self-employed applicants are assessed on documented income over a two-year period.

How long can a UAE resident mortgage term be?+

Most UAE lenders offer mortgage terms of up to 25 years, subject to the applicant's age at the end of the term not exceeding 65 for salaried employees or 70 for self-employed borrowers.

Does my AECB credit score affect my mortgage application?+

Yes, the Al Etihad Credit Bureau score is checked by all UAE lenders. A poor score can result in higher rates or a declined application. We advise all clients to review their AECB report before applying so any issues can be addressed proactively.

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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