Does Capital Western lend the money itself?

No. Mortgages in the UAE are issued by banks. Our job is to find the right bank for your situation, prepare your application and see it through to completion.

Can I get a mortgage if I live outside the UAE?

Often, yes. Several UAE banks lend to non-residents, usually with a larger down payment and more proof of income. We can tell you early on whether your case is likely to work.

What documents will I need?

Typically your passport, visa and Emirates ID if you are a resident, a salary certificate and recent bank statements. Self-employed buyers also provide a trade licence and company accounts. We confirm the exact list for your bank.

Can I get a mortgage on an off-plan property?

Yes, but the loan is generally limited to 50% of the value, and banks only accept certain projects. We check this before you commit.

How long does it take?

Pre-approval usually takes a few days once your file is complete, and the whole process usually takes a few weeks, depending on the bank and the property.

Can I repay my mortgage early?

Yes. Under UAE Central Bank rules, the early settlement fee is capped at 1% of the outstanding balance or AED 10,000, whichever is lower.

Mortgage

Your Dubai home loan, arranged by people who know the market

A mortgage can decide whether you are able to buy at all. We work out what you can borrow, prepare a complete file and take it to UAE banks, so you can make an offer with confidence. For residents and non-residents.

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Why arrange your mortgage with us

A recognised name in Dubai

A mortgage runs on trust. Your application comes from a RERA-licensed Dubai company (ORN 31258), not from an unknown intermediary.

Banks compared for you

We look across UAE banks and explain the rate, fees and terms in plain language.

Eligibility checked first

You learn what you can realistically borrow before you commit to a property.

A complete file

A well-prepared application avoids delays. We tell you exactly what each bank needs.

Residents and non-residents

We help salaried and self-employed buyers, including those who live outside the UAE.

One team for the whole purchase

Your property consultant and mortgage team work together from offer to transfer.

Step by step

From your first question to the keys

Eligibility check
We review your income, existing debts and budget, and estimate what you may be able to borrow.
Documents
You receive a clear checklist, and we put your file together.
Pre-approval
The bank reviews your file and issues a pre-approval, which shows sellers you are a serious buyer.
Choose the property
With your budget confirmed, you agree a price and sign the sale agreement.
Valuation
The bank has the property valued. The loan is normally based on the lower of the price and the valuation.
Final offer
The bank issues its final offer letter. We go through it with you before you sign.
Transfer and keys
The mortgage is registered with the Dubai Land Department, ownership transfers and the home is yours.

How a Dubai mortgage works

How much can you borrow?

Expatriates, first home up to AED 5 million: up to 80% of the property value
Expatriates, first home above AED 5 million: up to 70%
UAE nationals, first home: up to 85% up to AED 5 million, and up to 75% above it
Off-plan properties: up to 50%
Non-residents: usually 50% to 60%, set by each bank

Term and affordability

Loans can run for up to 25 years, and normally have to be repaid by age 65 for employees or 70 for the self-employed. Your total monthly debt payments cannot exceed 50% of your income.

Costs to plan for

Your down payment: the part of the price the bank does not finance
Dubai Land Department transfer fee: 4% of the price
Mortgage registration: 0.25% of the loan
Bank arrangement fee, commonly up to 1% of the loan
Property valuation, plus the life and property insurance the bank requires

As a guide, budget about 7% to 8% of the price on top of your down payment.

Fixed or variable rate?

A fixed rate stays the same for an agreed period and then usually changes to a variable rate. A variable rate moves with a benchmark, usually EIBOR. We compare both for your situation.

These figures are general guidance based on UAE Central Bank rules and common bank practice, and they can change. Each bank decides on each application.

Mortgage questions

Check what you can borrow

Tell us a little about yourself and the property you have in mind. A mortgage specialist will reply with the next steps.

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