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Dubai Home Loans for Residents & Non-Residents
Whether you live in the UAE or overseas, we compare offers across our lender panel and manage the application through to disbursal. Consultations are free.
All 10+ Mortgage Products Below Are Available Across Our 20+ Bank Panel
Not Sure Which Product Fits You?
Answer 4 quick questions and we'll match you with the mortgage products best suited to your situation.
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Our Most Popular Products
These financing solutions have helped thousands of clients achieve their property goals in the UAE.
Resale / New Purchase
Up to 80% LTV for ready properties under AED 5M. Financing for buying existing properties or new developments — we compare rates across our bank panel to secure the best terms for your purchase.
I had an outstanding experience with Simply Mortgage. Their team was incredibly efficient, responsive, and made the entire process smooth and hassle-free. - Ahmed Samy
Buyout
CBUAE cap on early settlement fees: max 1% or AED 10,000. Take over an existing mortgage with better terms, lower your rate, or reduce your monthly payments.
Jayesh has been very supportive in my investing journey. He spent lot of time to understand my requirements and identify right lending solutions for me. - Amit Aggarwal
Commercial Property Finance
Specialized mortgages for business premises and investment properties, structured around cash flow projections and long-term business strategy.
Simply Mortgage is a great company for this kind of services, very professional and responsive with all my questions. Mr. Jayesh really guided us and helped us all throughout the process. - Atef Abosaif
Our Complete Product Range
Explore our full selection of mortgage and financing solutions for every need.
Why Buyers Choose Simply Mortgage Over Going Direct to a Bank
Going to a single bank means one rate, one product range and one opinion. We compare across our whole panel so you don't have to.
| Feature | Going Direct to a Bank | Simply Mortgage |
|---|---|---|
| Bank options | 1 | 20+ banks |
| Product options | ~3–5 | 10+ |
| Approval time | 3–5 weeks | Fast pre-approval |
| Rate negotiation | Fixed | Broker-negotiated |
| Paperwork | You manage | 100% managed |
| Fee transparency | Bank-dependent | Full disclosure upfront |
Compare All UAE Mortgage Products at a Glance
Every Simply Mortgage product, side by side — max LTV, minimum down payment, tenure and who it's built for.
| Product | Max LTV | Min Down Payment | Max Tenure | Rate Type | Ideal For |
|---|---|---|---|---|---|
| Resale / New Purchase (Expat) | Up to 80% | From 20% | Up to 25 years | Fixed or variable | Expat residents buying a ready home |
| Resale / New Purchase (UAE National) | Up to 85% | From 15% | Up to 25 years | Fixed or variable | UAE nationals buying their first home |
| Non-Resident Finance | 60–65% | 35–40% | Up to 25 years | Fixed or variable | Overseas investors buying UAE property |
| Islamic / Sharia-Compliant Finance | Up to 80% | From 20% | Up to 25 years | Murabaha / Ijara profit rate | Buyers wanting a Sharia-compliant structure |
| Golden Visa-Linked Mortgage | Up to 80% | From 20% | Up to 25 years | Fixed or variable | Buyers targeting AED 2M+ Golden Visa eligibility |
| Buyout (Refinance) | Up to 100% of outstanding balance | — | Remaining tenure, up to 25 years | Fixed or variable | Switching to a lower rate or better terms |
| Equity Release | Up to 80% of appraised value | — | Up to 25 years | Fixed or variable | Unlocking equity without selling |
| Commercial Property Finance | Up to 70% | From 30% | Up to 15 years | Fixed or variable | Business premises & investment property |
| Plot Finance | Up to 50% | From 50% | Up to 10 years | Fixed or variable | Purchasing land ahead of development |
| Construction Finance | Cost-based, staged | Bank-dependent | Up to 25 years post-completion | Milestone-based disbursement | Funding a build from start to finish |
| Developer Handover Finance | Bridge % of remaining balance | Bank-dependent | 3–12 months bridge | Short-term bridge rate | Managing the developer handover transition |
All limits per Central Bank of the UAE Regulations Regarding Mortgage Loans. Actual approved LTV depends on applicant income, DBR, property valuation and bank approval.
Conventional vs. Islamic Mortgage
Both follow the same CBUAE lending limits — the difference is in how the finance is structured.
| Feature | Conventional | Islamic |
|---|---|---|
| Structure | Interest-bearing loan | Murabaha (cost-plus sale) or Ijara (lease-to-own) |
| Cost mechanism | Interest charged on outstanding balance | Profit rate or rental agreed upfront |
| Ownership | Buyer owns from completion, bank holds mortgage | Bank may hold title until finance is repaid (Ijara) |
| CBUAE LTV rules | Standard LTV limits apply | Same LTV limits apply |
| DBR rule | Standard 50% debt-burden-ratio cap | Same DBR cap applies |
| Available at | All bank panel members | ADIB, DIB, Ajman Bank, Sharjah Islamic Bank |
| Early settlement | CBUAE-capped fee | Bank-specific early settlement terms |
| Late payment | Late payment fee per bank policy | Late payment charged to charity, not bank profit, per Sharia rules |
| Sharia compliance | Not applicable | Certified by the bank's Sharia board |
Fixed vs. Variable Rate
Every product on this page can be arranged as fixed or variable — we'll help you weigh the trade-off.
| Feature | Fixed Rate | Variable Rate |
|---|---|---|
| Rate structure | Locked for an agreed period | Tracks EIBOR + bank margin |
| Payment certainty | Fixed monthly payment during the fix period | Payment moves with EIBOR |
| Typical starting rate | Bank-dependent, confirmed at offer stage | Bank-dependent, confirmed at offer stage |
| After fix period | Reverts to variable unless refinanced | Continues tracking EIBOR |
| EIBOR exposure | None during fix period | Full exposure to rate movements |
| Best for | Buyers who value payment certainty | Buyers comfortable with rate movement, or expecting rates to fall |
| Refinance window | Typically reviewed at the end of the fix period | Can refinance any time, subject to CBUAE early settlement rules |
Residential vs. Commercial
Understand the key differences between our residential and commercial mortgage products.
| Feature | Residential | Commercial |
|---|---|---|
| Loan Term | Up to 25 years | Up to 15 years |
| Down Payment | From 15–20% | From 30% |
| Processing Time | Typically days once documents are complete | Typically longer, business financials required |
| Early Settlement Fee | CBUAE-capped: max 1% or AED 10,000 | Bank-dependent, confirmed at offer stage |
Our 5-Step Application Process
Free Consultation
Tell us your goals, budget and residency status. We identify which products and banks are the right fit.
Document Collection
We guide you through the exact documents your profile needs — no guesswork, no back-and-forth.
Bank-Panel Comparison
We submit your case across our 20+ bank panel and compare offers side by side.
Pre-Approval Issued
Once a bank confirms terms, you receive a pre-approval — typically within days of a complete file.
Valuation, Final Approval & Disbursement
Property valuation, final underwriting, signing and disbursement — we manage every step through to close.
Frequently Asked Questions
More Questions Buyers Ask
Not Sure Which Product Is Right For You?
Our mortgage experts can help you find the perfect financial solution based on your unique situation and needs.