Frequently asked questions

UAE Central Bank mortgage caps generally require UAE nationals to put down at least 15–20% and expatriates 20–25% of the property value, depending on whether it is your first property and its value. Your advisor will confirm the exact figure for your profile.

Yes. Several of our partner banks offer dedicated non-resident mortgage programs, typically with a higher down payment and additional income documentation. We match you to the lenders most likely to approve your specific case.

Your DBR is your total monthly debt obligations — including the new mortgage instalment — divided by your gross monthly income. UAE regulation generally caps this at 50%. We calculate this with you before submitting any application.

Typically a valid passport and Emirates ID, salary certificate or trade license, latest 6 months' bank statements, and the property's title deed or reservation form. Your advisor will provide a checklist specific to your employment type.

Our advisory service is free at the point of application in most cases, as we are compensated by the lending bank once your mortgage is approved and disbursed. Any exceptions are disclosed to you in writing before you proceed.

Most UAE mortgages allow partial or full early settlement, sometimes subject to an early-settlement fee capped by regulation. Use the lump-sum option in our mortgage calculator to see how an extra repayment changes your schedule.

Most straightforward applications with a complete document set reach conditional approval within 5 business days. Full disbursement typically follows 3–5 weeks later, depending on the property transaction.

Your loan automatically moves to the bank's prevailing variable rate unless you refinance beforehand. Our calculator models this switch automatically, and we recommend reviewing your options 2–3 months before the fixed period expires.

Yes — we arrange commercial property finance based on rental yield and business financials. See our Commercial Property Finance service for details.