Mortgage Brokers inDubai & the UAE
One application, compared across our panel of UAE lenders — for residents, expats and non-resident buyers. Consultations are free.
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From instant consultation to premium property financing options.
Trusted by Homebuyers Across Dubai & UAE
Working directly with leading UAE lenders
Quick Rate & EMI Estimator
Estimate only, based on an illustrative 4.5% rate and 25-year term. Your actual rate depends on lender, profile and eligibility.
Simply Mortgage is a UAE Central Bank registered mortgage brokerage based in Dubai, comparing rates across 20+ banks to secure the best home loan for residents, expats, and non-residents, with transparent, disclosed fees.
Why Homebuyers Choose Simply Mortgage for Brokerage Consultancy in Dubai?
We analyze offers from 20+ CBUAE-regulated lenders to negotiate lower bank processing fees, rate discounts, and flexible early settlement terms.
- 20+ CBUAE-regulated lenders compared side by side on your behalf
- Buyer types covered: residents, non-residents, self-employed, commercial, construction and developer handover
- Fast pre-approval — timelines confirmed on request
How Much Can You Borrow? UAE Mortgage LTV Limits
Maximum loan-to-value and minimum down payment by buyer category, per Central Bank of the UAE mortgage lending regulations.
| Buyer Type | Property Value | Max LTV | Min. Down Payment |
|---|---|---|---|
| UAE National — First Home | Up to AED 5M | 85% | 15% |
| UAE National — First Home | Above AED 5M | 75% | 25% |
| Expat Resident — First Home | Up to AED 5M | 80% | 20% |
| Expat Resident — First Home | Above AED 5M | 70% | 30% |
| Second / Investment Property | Any | 60–65% | 35–40% |
| Off-Plan Property | Any | ~50% | ~50% |
| Non-Resident Buyer | Any | 60–65% | 35–40% |
Maximum Debt Burden Ratio (DBR): total monthly debt obligations, including the mortgage, cannot exceed 50% of gross monthly income.
Minimum income: AED 10,000/month for salaried applicants, AED 25,000/month for self-employed applicants.
Maximum tenure: 25 years, subject to the borrower being no older than 65 (salaried) or 70 (self-employed) at maturity.
Source: Per Central Bank of the UAE Regulations Regarding Mortgage Loans.
What You'll Pay Upfront on a UAE Mortgage
- Down payment
- 15–50% of property value (see LTV table)
- DLD mortgage registration fee
- 0.25% of loan amount + AED 290
- DLD property transfer fee
- 4% of property value
- Bank processing fee
- ~1% of loan amount (bank-dependent)
- Property valuation
- AED 2,500–3,500
- Broker fee
- No upfront broker fee — payable only on successful bank disbursal. Full fee details are confirmed in writing before you submit any application.
- Life insurance
- ~0.4–0.9% of loan p.a., often bundled
- Property insurance
- ~0.05% of property value p.a.
Why UAE Home Buyers Consult a Broker Instead of Going Straight to a Bank?
Going Direct to One Bank
You're assessed against a single set of criteria and receive a single offer. This works well for salaried applicants with straightforward, standard-profile files, but it means you never see how that offer compares to what other lenders would give you.
Using a Broker
One application is compared across many lenders instead of just one. This matters most for non-standard profiles — non-residents, self-employed applicants, commercial purchases, construction finance, or developer handover cases — where eligibility and pricing vary significantly from bank to bank.
Our Products
Explore our range of customized mortgage products designed to meet your specific financial needs.
Trusted by Clients Across UAE
Join 40+ satisfied clients who found their perfect mortgage solution with us.
Ready to Find Your Perfect Mortgage?
Our mortgage experts are ready to guide you through the process and help you secure the best rates and terms for your property investment.
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