The deal: money & paperwork

Mortgage in Dubai for residents and non-residents

A mortgage in the UAE is available to residents and to non-residents. Our mortgage broker looks at your case, gets a pre-approval and compares the terms of the banks.

Who can borrowResidents and non-residents

Mortgage registration0.25% of the loan

First stepPre-approval

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What we do

A first look at your income and documents
A pre-approval from a bank before you choose the property
A comparison of the offers of several banks
Support until the money is released at the transfer

The process step by step

First lookResidency, income, existing loans — the mortgage broker says what is realistic.

Pre-approvalThe bank confirms the amount it is ready to give you — before you choose the property.

PropertyWe look for a property the bank accepts and within the approved amount.

Valuation and final offerThe bank values the property and issues the final offer.

TransferAt the trustee office the bank pays the seller and the mortgage is registered.

Cash or mortgage

	Cash	Mortgage
Speed of the deal	Fast — no bank in the process	Longer — the bank approves the buyer and the property
What you can buy	Any property	What the bank accepts; get the pre-approval first
Your position with a seller	The strongest offer	Strong with a pre-approval in hand
Off-plan	By the developer's payment plan	Usually the payment plan is used instead

What you need to prepare

Passport copy
Emirates ID and visa, if you are a resident
Salary certificate or company documents for the self-employed
Bank statements for the last months

Good to know

Get the pre-approval first — a seller takes an offer with it seriously
Rates and conditions depend on the bank and on your profile — the mortgage broker gives the real numbers
Without a pre-approval we look at off-plan with a payment plan

What you get with us

Several banks comparedNot the first offer, but the one that suits your case.

Property and loan togetherThe broker and the mortgage specialist work as one team, so the deal does not stall.

An honest answer firstIf a mortgage is unlikely, we say so and show off-plan with a payment plan.

Questions and answers

Can a non-resident get a mortgage in Dubai?

Yes, a number of UAE banks lend to non-residents; the terms depend on the bank, your country and your income.

How much of the price will the bank finance?

The Central Bank limits the share a bank may lend, and it differs for a first home, an investment property and off-plan. The mortgage broker gives the exact figure for your case.

Are the registration fee and the commission covered by the loan?

Plan to pay them from your own funds, on top of the down payment.

What does the registration of a mortgage cost?

The Dubai Land Department charges 0.25% of the loan amount; the bank also has its own fees.

Why get the pre-approval before choosing the property?

You know your real budget, and a seller takes your offer seriously.

Related services

Conveyancing: contract, NOC and transfer in DubaiWe handle the paperwork of the deal from the contract to the title deed — also when you cannot fly in.Snagging and property inspection before handoverBefore you take the keys, an independent inspection finds the defects — so the developer fixes them first and not at your cost later.

All services

Seafront Properties is a RERA-licensed brokerage in Dubai (ORN 32533). Rules, fees and conditions change — the figures on this page are a guide; we confirm them for your case before you decide. Sources: Dubai Land Department (dubailand.gov.ae).

Mortgage advisory — let's talk

Write to us on WhatsApp — we answer the same day, check the availability and send the floor plans and the payment plan.

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