We introduce UAE lenders. We do not pretend a pre-approval is a term sheet. Non-resident loan-to-value is usually well below a UAE-resident 80% — budget the deposit as if the bank will be conservative.
How a Dubai mortgage introduction works
- Send passport, income evidence and the unit (or the budget).
- We introduce one or two lenders who actually write that profile.
- The bank values the property. LTV follows their valuation, not the ask.
- Offer letter, life cover the lender requires, then trustee.
- For off-plan, confirm whether the bank will take the construction cheques.
Resident vs non-resident
UAE residents can often borrow a higher share. Non-residents are commonly in the 50–60% LTV band, with the bank’s own valuation. Do not budget as if you were an 80% buyer because a colleague who lives here got that number.
Off-plan and the bank
Some lenders will finance a registered off-plan unit; many will not until closer to handover. The payment plan on the SPA still runs. We will tell you which file is a cash plan and which can take a mortgage later.
What we will not do
- Quote a rate as if it were committed.
- Send you to a broker who has never seen the SPA.
- Structure a purchase that only works if the valuation prints last year’s ask.
Questions we get
Can non-residents get a mortgage in Dubai?+
Yes, with selected UAE banks. Loan-to-value is usually 50–60%, subject to the bank’s valuation, income and the property.
Do I need a mortgage to buy off-plan?+
No. Most off-plan files are cash against the developer plan. A mortgage, if available, typically comes later — confirm with the lender before you reserve.
Are you a bank?+
No. Luxury Homes Real Estate is a RERA brokerage (ORN 25972). We introduce lenders. The offer letter is theirs.