Dubai’s real estate market continues to attract both end-users and global investors with its tax-free environment, growing infrastructure, and strong rental yields. However, understanding how to finance your property is just as important as choosing the right unit.
Whether you're an expat residing in the UAE, a non-resident buyer, or a Golden Visa holder, this 2025 mortgage guide by SBJ Real Estate will walk you through the full property financing process — from eligibility and documentation to interest rates, down payments, and bank comparisons.
| Buyer Type | Minimum Down Payment | Max LTV | Loan Term | Notes |
|---|---|---|---|---|
| UAE Nationals | 15% | 85% | 25 years | First property only |
| Expat Residents | 20% | 80% | 25 years | Must show income |
| Non-Residents | 50% | 50% | 15–20 years | More restrictions |
🧾 Note: LTV = Loan-to-Value Ratio
For Salaried Applicants:
For Self-Employed Buyers:
| Mortgage Type | Description | Pros | Cons |
|---|---|---|---|
| Fixed Rate | Fixed interest for 1–5 years | Predictable payments | Higher initial rate |
| Variable Rate | Linked to EIBOR | Lower start rate | Can fluctuate |
💡 SBJ Tip: Fixed rates are preferred for long-term holders; variable may suit flippers or short-term investors.
As of Q2 2025:
Most banks do not fund off-plan properties until the project is 50%–80% complete.
Alternatives:
🔑 SBJ Real Estate provides verified off-plan payment plan comparisons across top developers.
| Fee Type | Approximate Cost |
|---|---|
| DLD Transfer Fee | 4% of property value |
| Bank Mortgage Fee | 1% of loan amount |
| Property Valuation Fee | AED 2,500 – AED 3,500 |
| Life Insurance (mandatory) | 0.3%–0.6% of loan amount p.a. |
| Registration Trustee Fee | AED 4,200 (under AED 2M) |
| Bank | Max LTV | Fixed Rate | Special Feature |
|---|---|---|---|
| Emirates NBD | 80% | From 4.29% | Fast-track expat loans |
| ADCB | 80% | From 4.49% | Self-employed support |
| Mashreq | 75% | From 4.25% | Digital application |
| FAB | 80% | From 4.39% | UAE national offers |
| RAKBANK | 75% | From 4.55% | Flexible income options |
Financing a property in Dubai in 2025 is more accessible than ever - but choosing the right structure matters. From understanding your down payment requirements to comparing bank rates and hidden costs, the mortgage process demands a combination of financial awareness and professional support.
At SBJ Real Estate, we don’t just help you find the right home - we help you finance it intelligently, securely, and with confidence.
📞 Speak to our mortgage team today to get pre-qualified or explore custom payment plans from top developers across Dubai.
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