Looking for mortgage options in Dubai? Need expert advice from a mortgage advisor in Dubai? Or perhaps you want to explore financing possibilities using our Dubai mortgage calculator? Purchasing a property—whether for personal use or investment—is a significant milestone. That’s why having a trusted agency by your side is essential to help you navigate your payment options smoothly.
There are several factors to keep in mind when securing a Dubai mortgage—such as interest rates, loan amount, choosing between a mortgage broker or a bank, and associated costs. If you plan to borrow from a bank, you’ll need to obtain pre-approval, which involves submitting documents and undergoing background checks. Consulting a Dubai mortgage advisor from Ha & Co Real Estate can simplify the process and ensure a seamless experience.
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At Ha & Co Real Estate, we collaborate with over 21 lenders, providing you with a wide range of mortgage options tailored to your unique needs. Relying on a single bank or lender may limit your choices, potentially causing you to miss out on better-suited alternatives. Since buying a property is a significant decision, it’s crucial to explore multiple options and choose the one that best aligns with your financial goals and comfort level.
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In Dubai, your mortgage borrowing limit is primarily based on two key factors: your annual income and existing financial commitments. Depending on your individual circumstances, you may be eligible to borrow up to seven times your yearly income. Additionally, your total monthly debt repayments, including your mortgage, should not surpass 50% of your monthly earnings.
As of 2025, mortgage interest rates in the UAE typically fall between 2.5% and 4.5%, depending on factors such as the mortgage type, the borrower’s financial situation, and the chosen lender or bank. Rates can differ considerably between fixed-rate and variable-rate mortgages—you can explore these options in more detail through our mortgage guide.
To secure a mortgage in Dubai, you’ll need to provide several documents, including a copy of your passport, visa, and Emirates ID, a salary certificate, and proof of address (such as a tenancy contract or DEWA bill). Additionally, bank statements from the past six months may be required, along with other supporting documents like credit card statements, depending on the lender’s criteria.
Pre-approval is a bank’s assurance that you qualify for a mortgage based on specific requirements. The processing time for pre-approval can range from a few days to several weeks, especially for self-employed applicants. Typically, you’ll need to provide documents such as salary slips, bank statements, and employer reference letters, while the bank conducts necessary background checks before granting approval.
The pre-approval process usually takes around 3 to 5 business days for salaried employees and approximately 7 to 10 business days for self-employed individuals. However, the exact timeframe may differ based on the lender and the completeness of your submitted documents.
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