What is the maximum LTV for a Dubai mortgage?

Under UAE Central Bank regulations, UAE residents can borrow up to 80% LTV on properties under AED 5M (first-time buyer) and 65-70% on properties over AED 5M. Non-residents can borrow up to 60% LTV. Second-property purchases carry lower LTV caps.

Can non-residents get a mortgage in Dubai?

Yes. Several UAE banks offer mortgages to non-residents with LTVs typically capped at 50-60%. Non-resident mortgage rates are typically 0.5-1% higher than resident rates and banks require more extensive income documentation.

What is the typical Dubai mortgage term?

Dubai mortgage terms typically range from 15 to 25 years, with 25 years being the maximum under Central Bank regulations. The mortgage must be fully repaid by the time the borrower reaches age 70 (salaried) or 65 (self-employed).

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Dubai Mortgage Calculator

Calculate your monthly EMI, total interest, amortization schedule and affordability for any Dubai home loan. Includes LTV caps under UAE Central Bank regulations and the full closing-cost breakdown.

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UAE Central Bank requires total monthly debt payments to stay under 50% of gross monthly income.

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Dubai Mortgage Basics 2026

Current Rates

Prime borrowers see 4.25–5.75% fixed rates for 3-year terms. Variable rates follow EIBOR + 1.25–2.5% margin.

LTV Caps

Residents: 80% on first home under AED 5M, 65–70% above. Non-residents: up to 60% LTV.

Max Term

Up to 25 years. Mortgage must fully amortize before age 70 (salaried) or 65 (self-employed).

Frequently Asked Questions

What are Dubai mortgage rates in 2026?

4.25–5.75% for prime borrowers on 3-year fixed terms. Variable rates follow EIBOR + 1.25–2.5% margin depending on profile and LTV.

What's the maximum LTV in Dubai?

Residents: 80% LTV on first-home purchases under AED 5M, 65–70% on larger values. Non-residents: up to 60% LTV.

Can non-residents get a Dubai mortgage?

Yes. Several UAE banks lend to non-residents at 50–60% LTV, typically at a 0.5–1% rate premium over resident rates.

What's the typical mortgage term in Dubai?

15–25 years. The Central Bank caps terms at 25 years and requires full amortization by retirement age.

Need help structuring your Dubai mortgage?

MRK Real Estate works with the full panel of UAE banks and international private lenders. We'll help you secure the best rate and structure for your acquisition.