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We find you the best offers in the UAE with a few clicks
1
Tell us about you
Take 3 minutes to fill out a quick form about you and your dream home.
2
Compare rates
Browse through more than 150 products to find the mortgage that best suits your needs, all in one place.
3
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Connect to a mortgage expert to get a step-by-step guidance. No commitment, for free.
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Mortgages 101
Everything you need to know about mortgages
Fixed/Variable rate
Depending on your situation, you may opt for a fixed rate mortgage where the interest rate you pay on the loan is fixed at a lower rate for a set period of time or a variable rate mortgage where the interest rate is linked to the Emirates Interbank Offered Rate (EIBOR), which is determined by the UAE Central Bank.
Buyout
A buyout mortgage is essentially a refinancing option. It involves moving your existing mortgage to another bank under improved terms and conditions.
Offset
An offset mortgage is linked to a savings account. The balance in your savings account is "offset" against the outstanding loan amount, effectively reducing the amount on which interest is calculated.
What information do I need to apply for a mortgage?
1
Your current situation
Whether you're a first-time buyer, moving to a new property or remortgaging your existing one
2
Your details
Your name, address, and whether you're making a single or joint application
3
Property details
Whether it's a new build, a house or an apartment
4
How much you need to borrow
Usually the value of the property you're buying, minus your deposit
5
How much you earn
Your salary, plus any extras like bonuses or overtime
How to get the best mortgage deals
Interest rates
It's important to assess which option is best-suited to your financial circumstances, whether that's a fixed or variable rate mortgage.
Learn more about rates
Fees
Take into account any fees that may be associated with the mortgage. This will help you determine the overall cost and whether it's within your budget. Also, consider the length of the initial term and whether there is an early repayment charge.
Learn more about rates
Discover your ideal mortgage type
When embarking on your homebuying journey, it's essential to understand the various mortgage types available to make an informed decision tailored to your unique needs. Here's a glimpse into the diverse world of mortgages:
Fixed rate
Stability
Enjoy the security of a constant interest rate, ensuring predictable monthly payments throughout your loan term
Variable rate
Flexibility
Benefit from initial lower rates that may fluctuate over time based on market conditions.
Islamic mortgage
Sharia-compliant
Property financing that complies with Sharia, or Islamic law.
Equity release
Access your equity
Utilize your property's equity while retaining occupancy, with repayment typically upon life changes or the property's sale.