We learn your numbers
Income, residency, the property you have in mind and how long you plan to hold it. Twenty minutes by phone or WhatsApp, no charge.
Mortgage advisory · Dubai, UAE
25.2048° N · 55.2708° E
IMPERIAL
Mortgages
إمبريال للتمويل العقاري
Keys to Dubai Marina
financed properly.
We compare offers from UAE banks, handle the paperwork and walk you from pre-approval to the Trustee office. For UAE nationals, residents and buyers overseas.
80%Maximum loan-to-value for residents buying a first home up to AED 5M
50%Debt burden cap set by the UAE Central Bank on your monthly income
AED 2MProperty value that opens the 10-year Golden Visa route
3-year fixedfrom 3.89%
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5-year fixedfrom 4.09%
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Variable3M EIBOR + 1.49%
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Non-residentfrom 4.49%
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Islamic profit ratefrom 3.95%
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Pre-approval3–5 working days
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Indicative rates · subject to bank approval
Calculator
Run the numbers.
Built on UAE rules: Central Bank loan-to-value caps, the 4% DLD transfer fee, mortgage registration and the 50% debt burden limit. Move a slider and everything updates.
I am a
Your monthly payment
AED0
Loan amount–
Loan-to-value–
Total interest–
Total repaid–
PrincipalInterest
Cash you need on the day
Car loans, personal loans, and 5% of your total credit card limits.
Assessed over the loan term and interest rate from the payment tab, plus a 1.5% stress buffer that banks commonly apply.
You could buy up to
AED0
Max monthly payment (50% DBR)–
Max loan–
Illustrative only and not a mortgage offer. Fees are typical Dubai amounts: DLD transfer 4% + AED 580, mortgage registration 0.25% of the loan + AED 290, Trustee office AED 4,200, valuation about AED 3,150.
Services
What we arrange.
One adviser, every major UAE lender. Pick the route that fits your situation and we run the comparison.
ResidentResident mortgages+
For salaried and self-employed buyers living in the UAE. Up to 80% financing on a first home, fixed or variable, with salary transfer and non-salary-transfer options compared side by side.
- Fixed periods from 1 to 5 years
- Self-employed: 2 years of audited financials or bank statements
- Employed: Minimum salary from AED 15,000 at most banks
OverseasNon-resident loans+
Buying in Dubai from London, Mumbai or Riyadh. We work with the banks that lend to overseas buyers and handle document attestation and remote signing.
- Typically up to 50–60% financing
- Freehold areas only
- Power of attorney for the transfer if you cannot fly in
Off-planHandover finance+
Your off-plan unit is nearly complete and the final payment is due. We line up a mortgage in time for handover so the developer is paid and the title transfers to you.
- Pre-approval ahead of the completion notice
- Valuation timed to handover
SwitchBuyout & refinance+
Your fixed period is ending, or another bank now offers a better rate. We check the early settlement fee (capped at 1% of the outstanding balance or AED 10,000, whichever is lower) against the savings before you move.
- Equity release on owned property
- Rate-review reminders before your fix ends
ShariaIslamic home finance+
Ijara and Murabaha structures from Islamic banks and Islamic windows of conventional lenders, compared on the same basis as conventional mortgages.
- Profit rate instead of interest
- Fixed and variable profit rates
BusinessCommercial property+
Offices, retail units and warehouses bought personally or through a company, including free-zone entities.
- Usually 50–60% financing
- Company financials and trade licence required
Districts
Where are you buying?
Tap a district to load an example purchase price into the calculator.
Example prices for a typical 1–3 bedroom home · for illustration only
Process
From first call to keys.
Most purchases complete in four to six weeks from pre-approval. Here is what happens along the way.
01
Day 1
Banks compete for you
We compare rates, fees and settlement terms across lenders, then submit one clean application. Pre-approval is usually valid for 60 days.
The bank values the home
Once you sign the MOU (Form F) with the seller, the bank sends a valuer and issues the final offer letter. We check every clause before you sign.
Keys at the Trustee office
Manager's cheques are prepared, the DLD transfer is booked and the title deed is issued in your name the same day. We are there with you.
FAQ
Straight answers.
How much deposit do I need as an expat?
At least 20% of the price for a first home up to AED 5 million, and 30% above that. UAE nationals need 15% and 25%. On top of the deposit, budget roughly 7% of the price for fees, including the 4% DLD transfer fee.
Can I get a mortgage if I don't live in the UAE?
Yes. Several banks lend to non-residents in freehold areas, usually up to 50–60% of the value. Expect to provide bank statements, proof of income and a credit report from your home country.
What is the debt burden ratio?
The Central Bank caps all your monthly debt repayments, including the new mortgage, at 50% of your monthly income. Our borrowing calculator uses this rule.
Fixed or variable?
Fixed rates hold for 1 to 5 years, then move to a variable rate linked to EIBOR plus a margin. Variable rates track EIBOR from day one. We model both over your expected holding period.
What does your service cost?
The initial consultation and comparison are free. Our fee is agreed in writing before we submit any application, so there are no surprises at transfer.
Contact
Let's talk keys.
WhatsApp+971 58 584 4383
Office04 452 8881
EmailInfo@imperialmortgages.ae
HoursMon–Sat · 9:00–19:00 GST