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Mortgage services

Mortgage Services in Dubai

A clearer path from property search to financing.

Buying property in Dubai involves more than finding the right home. Understanding your financing options, deposit requirements and mortgage process can help you move forward with confidence.

Houzon’s mortgage team works with you from the first conversation, helping you understand your eligibility, compare mortgage options and move through the application with confidence.

Discuss Mortgage Options How the Process Works

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First-Time Buyers
UAE Residents
Overseas Buyers
Refinancing Enquiries

How we help

Mortgage Assistance for Different Buying Plans

First-Time Homebuyers

Understand the practical steps involved in financing your first Dubai property, from budgeting and deposit planning to mortgage pre-approval and final lender approval.

UAE Residents

Explore available routes to mortgage financing based on your employment, income profile, existing commitments and preferred property.

Overseas Buyers

Considering property in Dubai while living abroad? Some lenders offer mortgages to eligible non-resident buyers, with different documentation and financing requirements.

Property Investors

Buying to rent out or building a portfolio? We can help connect your property search with financing discussions that reflect the intended use of the property.

Existing Mortgage Holders

If you are considering refinancing, our mortgage advisers can help you review potential alternatives, costs and eligibility requirements.

What Houzon Can Help You Navigate

Mortgage pre-approvalUnderstand what lenders typically review before they indicate a potential borrowing amount.

Loan optionsLearn the questions to ask when reviewing fixed, variable or other available mortgage structures with our mortgage advisers.

Deposit and purchase costsPlan beyond the advertised property price by accounting for down payments and applicable transaction charges.

Property and purchase coordinationAlign your property search, offer process, valuations and transfer milestones with the financing timeline.

The process

How the Mortgage Process Works

Share Your Property Plans
Tell Houzon whether you are buying, looking for pre-approval or considering refinancing.
Speak to Our Mortgage Team
Your Houzon mortgage adviser reviews your profile, explains lender criteria and outlines the options that may suit you.
Review Options & Apply
We guide you through the documents, suitable mortgage products and the application process with the lender.
Coordinate the Property Purchase
Once a suitable property is identified, valuation, approval and transfer steps are coordinated with the relevant parties. Final lending decisions remain with the lender.

FAQs

Frequently Asked Questions

Can expats living in the UAE get a mortgage in Dubai?

Yes. Expats who live and work in the UAE can get a mortgage in Dubai from UAE banks and lenders, subject to lender criteria and UAE Central Bank rules. Your salary or business income, employment history, existing debts and the property you choose all affect how much you can borrow and the deposit you need.

Can non-residents get a mortgage in Dubai?

Yes. Several UAE banks offer mortgages to non-residents buying property in Dubai. Non-resident buyers usually need a larger deposit than UAE residents, and lenders typically ask for extra documents such as proof of overseas income and recent bank statements. Criteria, loan amounts and terms vary by lender.

How much deposit do I need to buy a property in Dubai?

The deposit depends on the buyer’s circumstances, property and lender. Under the UAE Central Bank framework, the maximum loan-to-value ratio for an eligible UAE-resident expatriate first-home owner-occupier buying a qualifying property under AED 5 million is 80%, which generally means at least a 20% down payment. Other cases can require more, and purchase costs are additional.

What is mortgage pre-approval?

Pre-approval is a lender’s preliminary assessment of a buyer’s potential mortgage eligibility and borrowing amount. It is not a guarantee of final mortgage approval.

How long can a mortgage run in the UAE?

The UAE Central Bank’s published mortgage framework sets a maximum loan term of 25 years. A lender may offer a shorter term depending on age, affordability and its lending policies.

Can self-employed buyers obtain a mortgage?

Yes, subject to the lender’s assessment. Business owners may need to provide company and income documentation in addition to the usual identification and financial records.

Can I refinance my current mortgage?

Potentially. Eligibility, savings and total costs depend on your existing loan and the new lender’s terms. Our mortgage advisers can help you assess whether refinancing is suitable.

Get in touch

Discuss Mortgage Options

Share your plans and we will point you to the right next step, whether that is pre-approval, a purchase or refinancing.

Call us+971 4 452 3345 WhatsAppChat with our team Emailinfo@houzon.com

Your details

We will get back to you within 24 hours.

Mortgage information is general only. Eligibility, rates, fees, loan terms and approval are determined by the relevant mortgage provider and applicable regulations.

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