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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.

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 shortly.

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. Non-residents, properties over AED 5 million and second homes usually need a larger deposit. Purchase costs, including the 4% Dubai Land Department transfer fee, are paid on top.

What is mortgage pre-approval in the UAE?

Pre-approval is a lender’s initial assessment of how much you may be able to borrow, based on your income, commitments and documents. It helps you search within a realistic budget and shows sellers you are a serious buyer. It is valid for a limited period and is not a guarantee of final mortgage approval.

What is the maximum mortgage term in the UAE?

The maximum mortgage term in the UAE is 25 years under the UAE Central Bank’s mortgage regulations. A lender may offer a shorter term depending on your age, affordability and its lending policies.

Can self-employed people get a mortgage in Dubai?

Yes. Business owners and self-employed buyers can get a mortgage in Dubai, subject to the lender’s assessment. Lenders usually ask for a trade licence, company and personal bank statements and proof of business income, in addition to the usual identification documents.

Can I refinance my mortgage in Dubai?

Yes, in many cases. Whether refinancing makes sense depends on your current rate, the remaining loan, any early settlement fee and the new lender’s terms. UAE Central Bank rules cap early settlement fees at 1% of the outstanding balance or AED 10,000, whichever is lower. Our mortgage advisers can help you compare the costs and savings.

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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