Stop Paying Rent. Own Your Dubai Homewith Just 20% Down
12,847 Home Loans Approved Since 2015
2,400 Were Self-Employed.
Self-employment isn't "difficult", it's 40% of our business. We know exactly how to present variable income for bank approval.
See Your Real Monthly Payment
This is the average rate. Your exact rate might be lower.
This calculation is based off of live products in our database
Which Home Loan Do You Need?
PURCHASE MORTGAGE
Buy Your Dream Home with Financing That Fits Your Budget.
Whether it's your first apartment or you're upgrading to a villa, we secure competitive rates from over 15 UAE lenders.
REFINANCE MORTGAGE
Lower Your Rate, Reduce Payments, or Access Your Equity.
Your mortgage doesn't have to stay the same forever. If rates drop or your financial situation improves, refinancing could save you thousands of dollars each month.
HOME RENOVATION LOAN
Finance Your Property Improvements Up to 85% of Home Value.
Need a new kitchen? Adding a room? Complete renovation? Finance it through your mortgage at lower rates than personal loans.
THE PROCESS
Application to Keys: 7-14 Days
Pre-Approval
- ✓15-min call with your consultant
- ✓Income verification
- ✓Calculate your max borrowing
- ✓You know your budget
Document Collection
- ✓We send checklist
- ✓You gather papers
- ✓We review before submission
- ✓Fix issues immediately
Bank Review
- ✓Submit to multiple lenders
- ✓We handle all questions
- ✓Negotiate better terms
- ✓Update you every 48 hours
Approval & Closing
- ✓Bank approves
- ✓Property valuation done
- ✓Sign documents
- ✓Collect keys
Real Case Studies
From Rejection to Villa in 10 Days
James, Self-Employed Consultant
The Problem:
AED 45K average income, but it fluctuates monthly. Three banks were rejected for "inconsistent income."
What Changed:
Showed 3-year average, client contracts, and revenue stability. Found a bank that understands modern work.
Result:
- →AED 3.2M approved at 4.1%
- →75% LTV
- →10 days total
- →Dubai Marina villa
Approved While Still on Probation
Sarah, Social Activist
The Problem:
Perfect apartment found. AED 18K salary, but on 3-month probation. Every bank said, "wait."
What Changed:
Emphasized UK degree, 25% down payment saved, employer letter confirming permanent role.
Result:
- →AED 1.2M approved at 4.75%
- →Still on probation
- →11 days total
- →Paying AED 6,450 vs AED 7,500 rent
Recent Job Change Didn't Stop Approval
Omar, Software Engineer
The Problem:
Changed jobs 2 months ago (40% salary increase to AED 35K). Banks wanted 6 months of employment.
What Changed:
Highlighted career progression in same industry, salary jump, 30% down payment, credit score 755.
Result:
- →AED 2.1M approved at 4.35%
- →75% LTV
- →16 days total
- →Business Bay 2-bedroom
What You'll Actually Pay
Unlock once to view live EIBOR and indicative residential ranges (same as the main site).
Home Loan Eligibility Checklist
Everyone Needs:
- Passport + Emirates ID
- Visa + residence permit
- Last 6 months bank statements
- Property documents
Salaried Employees Add:
- Salary certificate
- Last 6 months payslips
- Employment contract
Self-Employed Add:
- Trade license
- Last 6 months business statements
- Last 2 years financials (if available)
- MOA (Memorandum of Association)
FAQ's
How much can I borrow?
General rule: 7x your annual salary. But max monthly debt can't exceed 50% of gross income. Example: AED 25,000 salary = max AED 12,500 total monthly debt = roughly AED 1.8M borrowing capacity.
What credit score do I need?
700+ gets best rates. But we've approved 580+ scores with strong income and down payment.
Can I apply for home loan while on probation?
Yes, but limited options. We work with 3 lenders. Need strong profile: good salary, 25%+ down payment, employer confirmation letter.
Fixed rate home loan or variable?
Fixed = certainty (same payment for 3-5 years). Variable = lower rate initially but can change. Most people choose fixed for 3-5 years, then refinance when period ends.
Should I buy to let or live in?
Both work. Buy to let needs 25% down minimum. Rental income can help with approval but banks calculate conservatively (70% of actual rent).
Best home loan in UAE for expats?
Depends on your situation. We compare all banks and recommend best 2-3 for your specific profile.