Pre-approval validity
Check pre-approval timeframe and document requirements before searching for properties.
Mortgage Banks & Brokers in Dubai
Compare mortgage offers, interest rates, bank criteria and broker services to find the best financing option.
What buyers and owners should compare first
Mortgage options vary significantly by residency, income type and property status. Understand structural differences before applying.
Fixed vs variable rates
Compare initial fixed-period duration against subsequent variable margin rates.
Bank vs broker route
Direct banks may offer fee discounts, while brokers provide multi-bank market access.
Early settlement fees
Review early repayment allowances and exit penalty clauses under UAE Central Bank rules.
Compare mortgage brokers in Dubai
Mortgage brokers help buyers compare offers across multiple banks, prepare documents and manage pre-approval processes.
| Broker | Banks | Languages | Contacts | Details |
|---|---|---|---|---|
| Broker: Yasin Saiyad — Holo | Banks: ADIB, Arab Bank, RAKBANK, Emirates NBD, Standard Chartered, FAB, HSBC | Languages: EN, HI | Contacts: +971 58 105 1898 | Details: Learn more |
| Broker: Zamran Zaharan — First Choice Mortgage Broker | Banks: Multiple UAE lenders | Languages: EN | Contacts: +971 50 603 6088 | Details: Learn more |
| Broker: Mohak Saxena — Lion Mortgage | Banks: ADIB, Ajman Bank, CBD, DIB, Emirates NBD, HSBC, Mashreq, UAB, NBF, RAKBANK, Standard Chartered, FAB, Emirates Islamic, SIB, Arab Bank, Bank of Baroda, NBQ, SNB | Languages: EN | Contacts: +971 58 971 7756 | Details: Learn more |
| Broker: Mohamed Hassan — Capital Zone Mortgage Brokers | Banks: Emirates NBD, HSBC, ADCB, Mashreq, FAB | Languages: EN | Contacts: +971 52 529 6161 | Details: Learn more |
| Broker: Anshuman — Neav Mortgage | Banks: Leading UAE banks | Languages: EN, HI | Contacts: +971 58 684 2759 | Details: Learn more |
| Broker: Daniel Laycock — Raven Finance | Banks: 18+ UAE partner banks | Languages: EN | Contacts: +971 58 586 7151 | Details: Learn more |
| Broker: Abhijith V Kumar — The Lending Tree | Banks: 18+ banks | Languages: EN, HI, TA, ML | Contacts: +971 52 304 9383 | Details: Learn more |
| Broker: Amal Hussein — Huspy | Banks: Emirates NBD, RAKBANK, Standard Chartered, Ajman Bank, Arab Bank, DIB, FAB, Bank of Baroda, ADIB, CBD, Emirates Islamic, HSBC, Mashreq, Al Hilal | Languages: EN, AR, SO | Contacts: +971 56 508 0201 | Details: Learn more |
| Broker: Guzalya Khabibova — GK Mortgage House | Banks: 15+ major UAE banks | Languages: RU, EN, ES | Contacts: +971 50 105 9598 | Details: Learn more |
| Broker: Shiva Prakash — Derby Mortgages / Independent Consultant | Banks: ADCB, FAB, Emirates NBD, DIB, Mashreq, HSBC, CBD, ADIB, Standard Chartered + others | Languages: ZH, EN, RU, FR, AR, HI/UR, ES | Contacts: +971 50 989 5915 | Details: Learn more |
| Broker: Ronan Lynch — Mortgage Solutions DMCC | Banks: Established network of lenders | Languages: EN | Contacts: +971 50 289 8262 | Details: Learn more |
Compare mortgage banks in Dubai
Banks provide direct mortgage products with fixed and variable rate schedules. Compare loan terms and resident status requirements.
Emirates NBD Mortgage
Premier UAE retail bank offering mortgage products for residents and international buyers.
Rate from
3.99%
Term
Up to 25 years
Min. down payment
20% (For residents)
For non-residents
Yes
Languages
EN, AR
First Abu Dhabi Bank (FAB)
Leading bank providing home purchase loans and refinancing options.
Rate from
3.99%
Term
Up to 25 years
Min. down payment
20% (For residents)
For non-residents
Yes
Languages
EN, AR
Dubai Islamic Bank (DIB)
Leading Islamic financial institution offering Sharia-compliant home loans.
Rate from
3.95%
Term
Up to 25 years
Min. down payment
20% (For residents)
For non-residents
Yes
Languages
EN, AR
Mashreq Bank
Innovative retail bank offering fast online mortgage processing.
Rate from
3.99%
Term
Up to 25 years
Min. down payment
20% (For residents)
For non-residents
Yes
Languages
EN, AR
HSBC UAE Mortgage
Global bank offering international property finance and multi-currency mortgages.
Rate from
4.05%
Term
Up to 25 years
Min. down payment
40% (For non-residents)
For non-residents
Yes
Languages
EN, AR
How to read this comparison
This page highlights mortgage banks and licensed brokers in Dubai. Compare rate structures, down payment requirements and processing fees before submitting applications.
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Resident vs non-resident terms
UAE residents typically qualify for higher LTV ratios compared to non-resident investors.
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Valuation & arrangement fees
Factor in upfront bank processing costs, valuation fees and land department registration.
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Salary transfer discounts
Some banks offer lower interest rates if you transfer your monthly salary.
Helpful context
- LTV (Loan-to-Value) - The percentage of property value a bank is willing to finance.
- Pre-approval - Official bank letter confirming maximum borrowing capacity before purchasing.
- EIBOR - Emirates Interbank Offered Rate, used as a benchmark for variable mortgage rates.
- Processing fee - Bank administrative charge, usually 0.5% to 1% of total loan amount.
Estimate your monthly mortgage payment
Estimate your monthly mortgage payment based on property price, down payment, interest rate and loan duration.
Read before you apply
Guides to help buyers understand UAE mortgage rules, calculation methods and pre-approval procedures.
Mortgages
Mortgage Loan Terms in Dubai: Tenure, Rates and Repayment
Understand mortgage loan terms in Dubai, including the 25-year maximum tenure, age limits, EIBOR, fixed and variable rates, monthly payments, early repayment, refinancing, and mortgage costs.
Mortgages
Mortgage requirements for non-residents in Dubai
Understand mortgage requirements for non-residents in Dubai, including LTV limits, lender eligibility, documents, income and age rules, freehold property, valuation, fees, insurance, bank accounts and off-plan financing.
Mortgages
Bank vs Mortgage broker in Dubai
Compare applying directly to a bank with using a mortgage broker in Dubai, including lender choice, pre-approval, rates, EIBOR, fees, LTV and DBR limits, valuation, insurance, refinancing and what to verify before choosing.
Frequently asked questions
For UAE residents purchasing a first home under AED 5M, the minimum down payment is 20%. Non-residents usually require 20% to 50%.
Brokers offer access to multiple lenders and assist with paperwork, which is ideal for complex profiles. Direct banks may occasionally waive internal processing fees.
Yes, many UAE banks offer mortgage products for non-resident investors, subject to income verification and background checks.
