Mortgage Solutions for Dubai Properties

At Think Mortgages, we believe financing is not just a transaction — it is a financial strategy. We act as your long-term mortgage partner, ensuring your property investments are structured intelligently and efficiently.
Get pre-approved with UAE’s leading banks. We compare rates, handle paperwork, and guide you from application to approval.

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Mortgage Calculator
AED
200,00050,000,000
AED
Years
125
%
110

Monthly Payment:

AED 0

View Mortgage Costs and Fees Download PDF Report
Total Purchase Costs
Total Required Upfront

Ready to take the next step?

Our team of experts can help you find the best mortgage rate for your purchase journey.

Mortgage Costs and Fees

Land Department Fee i
Trustee Office Fee incl. 5% VAT i
Mortgage Registration i
Real Estate Agency Fee incl. 5% VAT i
Bank Arrangement Fee i
Valuation i
*Conveyancing Fee incl. 5% VAT i
TOTAL PURCHASE COSTS
TOTAL REQUIRED UPFRONT
This calculator is for illustration purposes only and should be used as a guide, the rates shown are subject to change. A full breakdown of charges will be given at the time of your mortgage offer.

These charges and fees are based on industry averages and should be confirmed with your Real Estate agents for exact figures, Think Properties Real Estate accept no liability for indicative illustrations.
*AED 6,000 (+VAT) for cash-to-cash transactions
AED 9,000 (+VAT) for a mortgage on either side
AED 10,000 (+VAT) for a company (plus AED 2,000 per additional layer)

Mortgage Enquiry

After submitting your details, one of our Customer Service consultants will connect you with a mortgage advisor to assist with the process and requirements.

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Navigating UAE Mortgages Requires Expertise

Our mortgage advisors work with 20+ banks to find you the best rates and terms. Whether you’re a first-time buyer, investor, or refinancing, we simplify the process and handle the complex paperwork so you can focus on finding your property.

Our Core Services

Residential Home Loans

  • First-time buyer mortgages
  • Property purchase financing
  • Ready & off-plan mortgage solutions
  • Primary & secondary market transactions

Non-Resident & Expat Mortgages

  • Structured financing for overseas investors
  • Guidance on eligibility & documentation
  • Currency exposure advisory

Pre-Approval Services

  • Fast-track mortgage pre-approvals
  • Bank comparison & rate negotiation
  • Borrowing capacity assessment

Refinancing & Equity Release

  • Rate reduction advisory
  • Buyout & liability restructuring
  • Cash-out solutions for investments

Commercial & Investment Mortgages

  • Office & retail property financing
  • Portfolio leverage structuring
  • High-net-worth customized lending

Why Choose Think Mortgages

Independent & Unbiased Advisory

We compare multiple UAE banks to secure the most competitive rates and terms.

Strategic Structuring

We don’t just process applications  we structure financing aligned with your long-term investment goals.

Strong Banking Relationships

Established partnerships with leading financial institutions in the UAE.

Speed & Transparency

Clear communication. No hidden surprises. Efficient processing.

End-to-End Support

From pre-approval to property transfer and final disbursement.

Mortgage Process

Initial Consultation

Seamless property handover ensuring all documents, payments, and inspections are completed at the time of handover.

Pre-Approval

Submit documents to multiple banks. Receive pre-approval letters within 3–5 business days.

Property Selection

Shop with confidence knowing your budget. We can advise on properties that match your pre-approval.

Final Approval

Once you find a property, we submit the full application with property details for final approval.

Disbursement

Bank releases funds to seller. We coordinate with conveyancing team for smooth property transfer.

Mortgage Rates, Eligibility & Bank Partnerships

Bank Partners

  • We Work With UAE’s Leading Banks
  • Includes Emirates Nbd, Dubai Islamic Bank, Fab
  • Also Partnered With Adcb and Mashreq Bank
  • Access to 15+ Other Banking Partners
  • Focused on Finding You the Best Rates

Rates & Eligibility

  • Current UAE Mortgage Rates Range From 3.5% to 6.5%
  • Rates Depend on Bank, Loan Type, and Buyer Profile
  • Expat Buyers Need 20–25% Down Payment for First Homes
  • Investment Properties Require 30–35% Down Payment

Required Documents

Passport Copy

UAE Visa Copy

Emirates ID

Salary Certificate

3-6 Months Bank Statements

Existing Loan Statements (if Any)

Property Details (Once Selected)

Employment Contract

FAQ

For expat first-time buyers purchasing a property under AED 5 million, the minimum down payment is 20% of the property value. For properties over AED 5 million or second/investment properties, down payment increases to 30-35%. UAE nationals enjoy lower down payment requirements at 15-20%

Pre-approval typically takes 3-5 business days once all documents are submitted. We work with multiple banks simultaneously to compare offers. Full approval after property selection takes 7-10 days. We keep you updated throughout and handle all bank communications.

Standard requirements: Passport and visa copies, Emirates ID, salary certificate or employment contract, 3-6 months personal bank statements, and existing liability statements. Self-employed applicants need additional documents including trade license and company financials. We provide a complete checklist based on your situation.

Yes, self-employed individuals can obtain mortgages in Dubai. Requirements include: valid trade license, minimum 2 years in business, 12 months company bank statements, audited financials or tax returns, and sometimes higher down payment (30-35%). We work with banks experienced in self-employed lending.

Beyond the down payment, budget for: property valuation fee (AED 2,500-3,500), mortgage registration fee (0.25% of loan amount), bank processing fee (0.5-1% of loan amount), insurance (life and property), and DLD fees (4% of property value). We provide a complete cost breakdown upfront.

We partner with 20+ UAE banks and financial institutions including Emirates NBD, Dubai Islamic Bank, First Abu Dhabi Bank, ADCB, Mashreq Bank, HSBC, Standard Chartered, and more. This allows us to compare rates and find the best fit for your specific financial profile and property type.

Ready to Explore Your Mortgage Options?

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