Get your mortgage in Dubai at the best rate
Advertised fixed rates in the UAE start from 3.99%. We compare home loan offers from 20+ banks on your own profile, get you pre-approved, and handle the paperwork through to the keys. Free for buyers.
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- Central Bank regulated
- The bank pays our fee
How it works
- 1
Share your details
Two short steps, about a minute. No documents needed yet.
- 2
We compare 20+ banks
An advisor checks the rate, the fees and the rate after the fixed period, and tells you which offers fit your profile.
- 3
Pre-approval to keys
Pre-approval, valuation, final offer and transfer day. We handle the bank side for you.
Mortgage rates in Dubai today.
Published rates, checked on 26 October 2026. What you’re offered depends on your profile, which is what the call is for.
Rates
- Advertised fixed ratesFixed for 1 to 5 years, at the banks that publish a rate
- from 3.99%
- After the fixed periodMost UAE home loans move to 3-month EIBOR plus the bank’s margin
- EIBOR + margin
- 3-month EIBORCentral Bank of the UAE, 26 Oct 2026
- 4.15%
- Published margins after the fixed periodAt banks that publish one; yours is in your offer letter
- about 1.1% to 1.5%
- Longest loan termCentral Bank rule
- 25 years
A AED 1.5M apartment, expat, first home
- Loan: 80% of the price, over 25 years
- AED 1,200,000
- Monthly payment at 3.99% fixed
- AED 6,327
- Still owed when a 3-year fixed period ends
- AED 1,110,767
- Then at 5.24%: 3-month EIBOR 4.15% plus a 1.09% marginRates move, so we check the rate after the fixed period before you sign
- AED 7,099
The cash you need, not just the deposit.
Banks can’t finance the Land Department or agent fees, so these are paid in cash on top of the deposit.
Buying a AED 1.5M resale apartment
- Down payment, 20%
- AED 300,000
- Dubai Land Department transfer fee, 4%Officially 2% buyer and 2% seller; buyers usually pay all of it
- AED 60,000
- Agent fee, 2% plus VAT
- AED 31,500
- Trustee office feeAED 4,000 plus VAT for properties of AED 500,000 or more
- AED 4,200
Mortgage costs
- Mortgage registration0.25% of the loan plus about AED 290
- AED 3,290
- Property valuationAbout AED 2,500 to 3,500, depending on the bank
- AED 3,150
- Bank processing feeUp to 1% plus VAT at many banks; some waive it
- AED 0 to 12,600
- Total cash, including the deposit
- AED 402,140 to 414,740
That’s about 27% of the price, not 20%. Fees vary by bank and property, so we give you your own figures before you make an offer. More detail in our guide to the deposit and buying costs in Dubai.
We compare offers from 20+ UAE banks.
One application with us, and we compare home loan offers from banks including:
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What clients say once their mortgage is arranged, word for word.
I was rejected by several banks, and almost gave up but they helped me to get mortgage and provide A-Z support, helped me to prepare correct documents package and were with me all the way alone the process.
I can’t thank Wayzfinder enough for helping us secure our mortgage/finance. Their communication, expertise, and dedication were outstanding. They went above and beyond to find the best solution for us and made the entire experience stress free. Highly recommended! Thank you Lithin Thomas!
Friendly and knowledgeable people at Wayzfinder. Handled my query, and guided me through the entire process with sooo much ease. Thank you.
How much can you borrow?
Three Central Bank limits decide your number. The lowest of them is your maximum loan.
Share of the price
- Expats: up to 80% of a first home under AED 5M, 70% above
- UAE nationals: up to 85% under AED 5M, 75% above
- Second or investment homes: 60% to 65%
- Off-plan: up to 50%
Share of your income
- All monthly debt payments, including the new mortgage, up to 50% of your income
- Banks commonly count about 5% of your credit card limits as a monthly debt
- Payments are tested at a higher rate than your starting rate
Loan size and term
- Up to 7 years of salary for expats, 8 for UAE nationals
- Up to 25 years
- Many banks ask for a salary of about AED 10,000 to 15,000 a month
Documents for a mortgage in Dubai.
You don’t need these to send the form. Having them ready is the fastest way to a pre-approval.
You
- Passport and visa copy
- Emirates ID
- Last 6 months of bank statements
Your income
- Salary certificate, if you’re salaried
- Trade licence and company statements, if you’re self-employed
- Non-residents: passport, last 6 months of bank statements and a credit report
The property
- Memorandum of understanding (Form F) for a resale
- Sale and purchase agreement for a new or off-plan home
- Title deed copy, if the seller has one
Questions about getting a mortgage in Dubai.
What are mortgage rates in Dubai right now?
Advertised fixed rates start from about 3.99% at some banks, fixed for 1 to 5 years (checked 26 October 2026). After the fixed period most loans move to 3-month EIBOR plus the bank’s margin; 3-month EIBOR was 4.15% on 26 October 2026. The rate you are offered depends on your income, deposit, whether you move your salary, and the bank.
How much deposit do I need to buy in Dubai?
For a first home under AED 5 million, expats need at least 20% and UAE nationals 15% (30% and 25% above AED 5 million). Off-plan purchases need 50%. On top of the deposit, budget about 7% of the price for fees: the 4% Dubai Land Department transfer fee, agent and trustee fees, mortgage registration, valuation and the bank’s processing fee. Banks can’t finance these fees.
How much can I borrow?
Three Central Bank limits apply: the loan can be up to 80% of the price for an expat’s first home under AED 5 million (85% for UAE nationals), your total monthly debt payments including the new mortgage can’t exceed 50% of your income, and the loan is capped at 7 years of salary for expats (8 for nationals). The maximum term is 25 years.
Can non-residents get a mortgage in Dubai?
Yes, at many UAE banks, usually on ready properties and for about 50% to 65% of the value. Non-resident rates are currently around 4.99% to 5.99%. The basic documents are your passport, the last 6 months of bank statements and a credit report. See our non-resident mortgage guide.
How long does pre-approval take?
Most residents with complete documents receive a pre-approval letter within 48 hours. Non-resident or self-employed files can take a little longer depending on the bank’s underwriting.
Is there a fee to use WayzFinder?
In almost all cases, no. Our fee is paid by the bank once your mortgage is disbursed, so the rate you get through us matches or beats going to the bank directly. Any exception is confirmed with you upfront, in writing, before any work begins.
See what you can borrow.
Send your details in about a minute. We compare 20+ banks on your profile and tell you plainly what you can borrow and what it costs.