Services
Mortgage for Residents
UAE residents get the most favourable mortgage terms available in the market — up to 80% financing on a first home, and access to every lender that operates in the UAE.
| Financing (LTV) | up to 80% for property up to AED 5M · from 70% above AED 5M |
| Rate | from 3.75% p.a. (fixed, salary-transfer) |
| Term | up to 25 years |
| Price | Free for standard salaried resident cases — A&D's fee is paid by the bank |
Documents
- Passport
- Visa + Emirates ID, for residents
- Salary certificate / employment contract, for salaried applicants
- 3–6 months personal bank statements (bank-dependent)
- Payslips / WPS evidence, where required
- Company licence, corporate statements, VAT/CT/audit documents, for business-owner applicants
- Property documents: booking form / SPA / Oqood / title deed / MOU / statement of account, depending on the case
- Existing liabilities: credit cards, loans
We reply within 15 minutes during working hours
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Frequently asked questions
Not mandatory, but it typically improves your rate by 0.25–0.50 points.
Most banks require AED 15,000/month salaried or AED 25,000/month self-employed.
Yes, at a lower LTV than a first home — reviewed case by case.
Yes, UAE banks require mortgage life insurance for all borrowers.
Pre-approval in days; full approval to transfer typically 3–6 weeks.
Talk to us about your situation
We reply within 15 minutes during working hours
Tell us your goal, your nationality or residency status and your rough timeline — the more specific the first message, the faster we can help.
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