UAE residents

Expats and UAE Nationals buying a home to live in, from a first purchase to upsizing into a larger property.

Run the calculator → Book a consultation

WHO IT'S FOR

Built for the resident buyer.

First-time buyersSalaried and self-employed residents purchasing their first home in the UAE.

UAE NationalsPreferential deposit terms on a first home, with structuring for additional properties.

Upsizing familiesMoving from an existing home into a larger one, with the sale and purchase timed together.

Self-employed residentsTrade licence holders and business owners, matched to the banks that assess self-employed income.

ELIGIBILITY & THE NUMBERS

Where this typically lands.

Indicative figures: every case is confirmed against the specific bank, property and buyer profile.

15%UAE Nationals · first home to AED 5M

20%Resident expats · first home to AED 5M

40%Second home or investment property

25 yrsMaximum tenor

HOW IT WORKS

From first call to keys.

Get pre-approvedWe confirm your affordability and deposit requirement against your income and the banks on our panel.

Choose your structureFixed or variable rate, and the lender whose terms suit your plans. We compare the panel, not just one bank.

Property valuationThe bank values the property to confirm the loan amount against the purchase price.

Offer & signingFinal offer letter issued, signed, and the mortgage registered with the Dubai Land Department.

Transfer & handoverFunds are released at transfer and you complete on your new home.

A NOTE FROM THE DESK

"Most residents lose time comparing one bank at a time. We run your file across the whole panel at once, so the comparison happens in days, not weeks."

FREQUENTLY ASKED

Common questions.

How much deposit will I need?

For resident expats buying a first home, from 20% up to AED 5M and 30% above; second and investment properties need at least 40%. Off-plan purchases are limited to 50% bank finance. Budget separately for the 4% DLD transfer fee and other purchase costs.

Fixed or variable rate: which is better?

It depends on your plans. Fixed rates hold for an agreed period and suit buyers who want a predictable repayment; variable rates can fall with the market but carry more uncertainty. We model both scenarios against your numbers before you decide.

What if I'm self-employed?

Self-employed residents are assessed on trade licence, audited financials and bank statements rather than a salary certificate. Fewer banks lend to this profile, so we start by identifying which ones do.

Ready to see your own numbers?

Run the calculator for an indicative repayment, or book a call with the desk to structure the finance for this exact case.