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Home Loan & Mortgage in UAE
Residents & Expats Welcome

Own your dream home in the UAE. Finoragroup compares mortgage rates from all major UAE banks and arranges the best deal tailored to your property and income profile.

Enquire Now Free Consultation

From 3.99% p.a.

Starting Rate

Up to 25 Years

Max Tenure

Up to 85% LTV

For UAE Nationals

Expat-Friendly

Both Residents & Non-Res

Home Finance Options

Conventional Home Loan

Standard mortgage with fixed or variable interest rates from leading UAE banks.

Islamic Home Finance

Sharia-compliant Murabaha or Diminishing Musharaka structures from UAE Islamic banks.

Off-Plan Property Finance

Developer-linked mortgages for off-plan purchases with deferred payments during construction.

Mortgage Refinancing

Switch your existing mortgage to a better rate — we identify banks offering the most savings.

Eligibility Requirements

  • Minimum age: 21 years (max age 65–70 at loan maturity)
  • Minimum monthly income: AED 15,000 (salaried) / AED 25,000 (self-employed)
  • Valid UAE residence visa (for expatriates)
  • Good credit history (AECB credit score)
  • Property must be in UAE freehold area (for expats)

Frequently Asked Questions

UAE nationals can borrow up to 85% LTV for their first property. Expatriates can borrow up to 80% LTV. Properties above AED 5 million have a lower LTV cap of 65–70%.

Yes. Expatriates with a valid UAE residence visa and stable employment income can apply for a mortgage with most UAE banks. Finoragroup identifies lenders with the best expat-friendly terms.

Most UAE banks offer mortgage tenures of up to 25 years for UAE nationals and up to 25 years for expatriates (up to age 65 for salaried, 70 for self-employed).

Yes. Most UAE Islamic banks offer Murabaha and Diminishing Musharaka home finance products that are Sharia-compliant alternatives to conventional mortgages.

Mortgage Enquiry

Our mortgage advisor will compare rates and contact you within 24 hours.

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