Let’s find your new home together Mortgage is more easy you think. it’s just one click away
Do you dream of buying your own home in the UAE? Maybe an apartment in Dubai or a villa in Abu Dhabi? Good news it’s totally possible! As an expat, you can get a mortgage (a home loan) to make that dream come true.
It might sound complicated, but it’s actually a straightforward process. This guide will explain everything you need to know in simple words.
What is a Mortgage?
A mortgage is money you borrow from a bank to buy a home. You pay it back slowly, every month, for several years.
Here’s what you need to know:
Down Payment: This is the amount you pay first from your own savings. For example, if a home costs AED 1,000,000, you might pay AED 200,000 (20%) yourself, and the bank lends you the rest.
Loan Amount: Banks usually lend up to 80% of the home’s price for expats, and up to 85% for UAE nationals.
Interest: This is the extra money you pay to the bank for lending to you. You can choose a fixed interest rate (your monthly payment stays the same for some years) or a variable rate (it can change over time).
Can Expats Get a Mortgage? Yes
Yes, expats can get mortgages in the UAE. There are just a few basic rules:
You need a stable job. Most banks want to see that you’ve been working for at least 6 months.
You need a minimum salary. This is usually around AED 5,000 per month.
You must be between 21 and 65 years old.
How Much Money Can You Get?
The bank won’t pay for the whole house. As an expat, you usually need to pay at least 20% of the house price yourself. The bank will loan you the other 80%.
Example: If a house costs AED 1,000,000, you need AED 200,000 for the down payment. The bank will give you a loan for AED 800,000.
You’re Key to a Dream Home: UAE Mortgage Guide 2025
Buying a home in the UAE is an exciting milestone! Whether you’re dreaming of a sunlit apartment in Dubai Marina or a cozy villa in Abu Dhabi, the journey to homeownership is now easier than ever. With new government initiatives, competitive bank offers, and expert help from QuickApplyUAE.ae, your dream home is within reach.
In this article, we’ll cover:
Top UAE mortgage keywords you should know.
Simple comparison of UAE banks and their offers.
Easy step-by-step process to apply for a mortgage.
Documents required for a smooth application.
New First-Time Buyer Policy introduced by the UAE government.
Let’s dive in!
Your Key to a New Home A Simple Guide to UAE Mortgages
Imagine drinking your morning coffee in your own home in the UAE. Maybe it’s an apartment in Dubai with a view of the sea, or a villa in Abu Dhabi with a garden. This dream can come true and it’s easier than you think!
Buying a home is a big step. But with the right help, it can be simple and stress-free. That’s where QuickApplyUAE.ae comes in. We help you find the best home loan (called a “mortgage”) and guide you every step of the way.
UAE Bank Mortgage Comparison
Here’s a quick comparison of what major UAE banks offer for mortgages:
| Bank | Interest Rates | Max Loan-to-Value | Special Features |
| Emirates NBD | Competitive | Up to 80% for expats | Flexible repayment plans |
| Mashreq Bank | Low introductory | Up to 85% for nationals | Fast approval process |
| ADCB | Attractive fixed | Up to 80% | Discounts on fees |
| DIB | Sharia-compliant | Up to 85% | | No early settlement fee |
| HSBC UAE | Customized | Up to 80% | Dedicated relationship manager |
| FAB | Highly competitive | Up to 85% for nationals | Fast processing & flexible terms |
Each bank has its perks, but why stress over comparisons? QuickApplyUAE.ae does the work for you! We compare offers and find the perfect match for your needs.
Easy Mortgage Application Process
Getting a mortgage doesn’t have to be complicated. Here’s a simple 4-step process:
1. Pre-Approval
Use our online mortgage calculator on QuickApplyUAE.ae to check your eligibility.
Get pre-approved in as little as 24 hours
2. Property Selection
Choose your dream home. We’ll help you verify its value and legal status.
3. Submit Documents
Provide the required documents (listed below). We’ll review everything to ensure accuracy.
4. Approval & Transfer
Sign the agreement, and the keys to your new home are yours
New First-Time Buyer Policy in the UAE
The UAE government recently launched a game changing policy to support first-time homebuyers
Reduced Down Payment As low as 15% for expats and 10%for UAE nationals.
Lower Registration Fees: Discounted property registration fees at land departments.
Extended Repayment Tenure Up to 30 years for Emirati applicants.
This initiative aims to make homeownership more accessible. At QuickApplyUAE.ae, we help you leverage these benefits to save time and money.
How to Apply in 5 Easy Steps
We make the process simple and fast:
Step 1: Check Your Budget Online
Go to www.Quickapplyuae.ae and fill out a short form. We’ll tell you how much you can borrow in just 60 seconds!
Step 2: We Find Your Best Offer
We match you with the best bank and loan offer for free.
Step 3: Gather Your Papers
You will need:
Passport and visa copy
Emirates ID
Bank statements (last 3-6 months)
Salary certificate or pay slips
We’ll help you collect these easily.
Step 4: Property Check
The bank checks the home value. We handle all the arrangements.
Step 5: Get Your Keys!
Sign the papers, and the home is yours! We make sure everything goes smoothly.
Why Choose QuickApplyUAE.ae?
Here’s why we are the best in the UAE market
Fast Processing: Get pre-approved in 24-48 hours
Best Rates Guaranteed we negotiate with banks to secure the lowest interest rates
Zero Hidden Fee: Transparent processes from start to finish.
Expert Guidance: Our team handles everything from document collection to final approval.
Ready to Take the Next Step?
Don’t let paperwork or confusion hold you back. Your dream home is just a click away!
Visit www.Quickapplyuae.ae today to:
Check your eligibility.
Compare mortgage offers.
Apply with expert assistance.
Let’s turn your dream of homeownership into reality!
#UAEMortgage #FirstTimeBuyer #DreamHome #QuickApplyUAE #HomeLoanUAE
Disclaimer
The information provided in this article, “Mortgage in UAE: Everything You Need to Know as an Expat,” is for general informational and educational purposes only. It is not intended as financial, legal, or professional advice.
While we strive to keep the information accurate and up-to-date, mortgage regulations, interest rates, bank policies, and government fees in the UAE are subject to change at any time without notice.
We strongly recommend that you consult directly with qualified financial advisors, legal professionals, and banking institutions before making any decisions or taking any action related to a mortgage or property purchase.
The examples and calculations given are for illustrative purposes only and may not reflect the exact terms you will be offered. Your eligibility for a mortgage and the final terms are solely at the discretion of the lending banks and are based on their specific criteria and your personal financial circumstances.
QuickApplyUAE.ae acts as a facilitator and mortgage advisor. We are not a bank or a direct lender. The final approval and terms of any mortgage product are the responsibility of the partnering financial institutions.
We do not assume any liability for actions taken based on the content of this article, including any errors, omissions, or inaccuracies it may contain.
