Dubai Mortgage Authority Hub 2026
Complete authority on Dubai mortgages. Compare 8 banks, track EIBOR, understand LTV caps by nationality, explore Islamic financing and plan your total cost of ownership.
Current Market Snapshot
Calculate Your Monthly Payment
Adjust the sliders to estimate your monthly mortgage payment for any Dubai property. Our calculator includes DLD transfer fees, trustee fees and mortgage registration costs so you see the complete picture.
UAE Residents
Up to 80% LTV on first properties under AED 5M. Best rates from 4.25% fixed.
Non-Residents
50-60% LTV with 4-5 lenders. Rates from 5.1%. Additional documentation required.
Islamic Finance
Murabaha and Ijara products available. Competitive with conventional rates.
Mortgage Calculator
Estimate your monthly payments for Dubai properties
Explore the Authority Hub
Bank Comparison
8 leading UAE banks. Compare rates, LTV, processing fees and Islamic options. Filter by your profile.
EIBOR Tracker
Current EIBOR rates and 24-month history. Understand how EIBOR affects your variable-rate mortgage.
LTV by Nationality
20 nationalities covered. Find your LTV cap as resident or non-resident. Central Bank rules explained.
Islamic vs Conventional
Murabaha, Ijara, Musharaka explained. Compare rates, costs and Sharia compliance across products.
Pre-Approval Guide
Step-by-step pre-approval process. Document checklist, typical timeline (5-10 days), rejection reasons.
Total Cost of Ownership
25 Dubai communities. 5-year cost breakdown: mortgage, DLD, service charges, DEWA, insurance.
Understanding the Dubai Mortgage Landscape
Market Overview
Dubai's mortgage market is dominated by 8 major lenders representing approximately 95% of originations. Rates have eased from 5.5% (late 2023) to the current 4.25–6.1% range as EIBOR peaked and is now declining. Fixed-rate mortgages remain popular for borrowers seeking certainty, while variable-rate products track EIBOR plus a 1.25–2.5% margin.
Who Can Borrow?
Residents (UAE nationals, GCC expatriates and other expatriates on residency visas) qualify for higher LTV (70–80% depending on property value) and lower rates. Non-residents face stricter conditions: 50–60% LTV, higher interest rates and limited lender appetite. Self-employed, freelancers and business owners require more extensive documentation than salaried professionals.
Key Regulatory Drivers
The Central Bank of the UAE (CBUAE) sets LTV caps and the EIBOR rate (Emirates Interbank Offered Rate) is the benchmark for variable-rate mortgages. Recent regulatory tightening emphasizes debt-to-income ratios and stress-tested affordability. Islamic mortgages (Murabaha, Ijara, Musharaka) are Sharia-compliant alternatives offered by several banks.
Processing & Timeline
Pre-approval typically takes 5–10 business days for salaried professionals with complete documentation. Full mortgage processing takes an additional 10–15 days once the property is under contract. Non-residents and self-employed borrowers should expect 15–20+ days due to additional verification and source-of-funds documentation.
Need Personalized Mortgage Guidance?
Our team can help you navigate bank options, understand your borrowing capacity, negotiate rates, and structure your mortgage around your life plans. Schedule a consultation to explore off-market deals and tailored solutions.