Mortgage in Dubai — Home Loan Guide for Expats 2026

Expats can get a mortgage in Dubai for up to 75% of the property value (LTV). UAE residents can borrow up to 80% LTV for properties under AED 5M.

Mortgage rates in Dubai 2026: fixed rates from 3.99–5.5% for the first 3–5 years, then variable (EIBOR + spread).

Eligibility: minimum salary AED 15,000/month, valid UAE residence visa, 6+ months employment. Self-employed: 2 years of audited accounts required.

NAHY Real Estate partners with leading UAE banks for mortgage pre-approval. WhatsApp: +971 52 687 6772.