Facebook-f Linkedin

Mortgage

Facebook Linkedin Instagram

Expert Mortgage & Finance Solutions in Dubai

Whether you’re purchasing your first home, refinancing, investing, or expanding your portfolio,  Sefid Properties provides tailored mortgage solutions designed around your financial goals.

Get Pre-Approved
Speak With a Mortgage Specialist

What We Help With

Home Loans

Refinancing

Equity Release

Expat Mortgages

Investment Property Finance

Off-Plan Property Finance

Commercial Finance

Construction & Development Finance

Mortgage & Finance Enquiry

Full Name
Employment Status

Why Work With Us

Tailored Finance Solutions

We compare lending options to help find suitable solutions aligned with your needs.

Expert Guidance

Our team assists you through the entire finance process, from pre, approval to settlement.

Fast & Simple Process

Help simplify documentation and communication with lenders for a smoother experience.

Mortgage Calculator

AED
AED
Loan Duration
24 Years
Loan Amount
800,000 AED
Monthly Cost
4,780 AED

Frequently Asked Questions

A fixed-rate mortgage keeps the interest rate the same for a set period, usually between 1 to 5 years. After this period ends, the rate may change and is often linked to EIBOR (Emirates Interbank Offered Rate) plus the bank’s margin. A variable-rate mortgage changes based on market conditions and EIBOR movements. This means your monthly repayments may increase or decrease over time depending on interest rate changes. The right option depends on your financial goals and comfort with market fluctuations. Our mortgage advisors can help you choose the most suitable option for your situation.
Yes, you may be able to transfer your mortgage to another bank through a refinance or mortgage buyout. Many property owners choose to switch banks to access better interest rates, improved terms, or more flexible repayment options. The process generally takes around 2 to 4 weeks, depending on the bank and required documents. In some situations, banks may allow a transfer after as little as 3 months, subject to their policies.
* There may also be some costs involved, including:
* Mortgage registration fee: 0.25% of the loan amount plus administration charges (approximately AED 290)
* Property valuation fee: usually between AED 2,500 – AED 3,500
* Early settlement fee: up to 1% of the remaining loan amount or AED 10,000 (whichever is lower)
Some banks occasionally offer promotions that may cover part or all of these fees, helping make the transfer more affordable. It is always a good idea to check current offers with your mortgage advisor.
The Loan-to-Value (LTV) ratio refers to the percentage of the property price that can be financed through a mortgage.
In general:
* UAE Nationals may finance up to 85%
* UAE residents/expats may finance up to 80%
* Non-residents can usually finance up to 75%
For Islamic home finance, this may be referred to as the Finance-to-Value (FTV) ratio, which follows Sharia-compliant financing principles.
Most UAE banks require a minimum monthly salary starting from approximately AED 10,000 for residents and around AED 15,000 equivalent income for non, residents.
To apply, banks may request documents such as:
* Salary certificate
* Recent bank statements
* Payslips
* Employment contract
* Proof of residency (if applicable)
Required documents may vary between banks and applicants.
Yes, non-residents and overseas investors can apply for mortgages in Dubai. Eligibility requirements and approval conditions may differ depending on the bank. In most cases, non-residents can borrow up to 75% of the property value, subject to approval.
Our team assists international buyers throughout the process, helping simplify the application, explain requirements clearly, and find suitable mortgage options based on your needs.
Mortgage approvals in the UAE generally take around:
* 2 to 3 weeks for UAE residents
* 3 to 5 weeks for non, residents
The timeframe may vary depending on the bank, transaction type, and how quickly documents are provided.
Preparing your paperwork early can help speed up the process and avoid delays. Initial documents are usually enough to begin the application, while additional paperwork can often be submitted later if required.
The Debt Burden Ratio (DBR) measures how much of your monthly income goes towards existing financial commitments such as loans, credit cards, and other repayments. In the UAE, banks generally require your DBR to remain below 50% when applying for a mortgage.
There may also be some costs involved, including:
* Mortgage registration fee:
0.25% of the loan amount plus administration charges (approximately AED 290)
* Property valuation fee:
usually between AED 2,500 – AED 3,500
* Early settlement fee:
up to 1% of the remaining loan amount or AED 10,000 (whichever is lower)
Some banks occasionally offer promotions that may cover part or all of these fees, helping make the transfer more affordable. It is always a good idea to check current offers with your mortgage advisor.
Yes, there are usually extra costs involved in addition to the loan itself, which may include:
* Processing fees for handling the application
* Property valuation fees
* Mortgage registration charges
* Life and property insurance costs (where applicable)
* Administrative fees charged by banks or government authorities
The exact costs may vary depending on the lender and property type.
Yes, most UAE banks allow early mortgage repayment or partial settlements. However, some lenders may charge an early settlement fee based on the remaining loan balance. It is recommended to review your mortgage terms with your bank before making additional payments.
Many banks in the UAE require borrowers to have life insurance linked to the mortgage. This helps protect the outstanding loan amount in unexpected situations. Insurance requirements may differ between banks and mortgage products.
There are several ways to strengthen your mortgage application, including:
Maintain a healthy credit profile : Paying bills, loans, and credit cards on time can positively impact your credit score.
Show stable employment and income: Banks prefer applicants with consistent employment history and reliable income.
Keep debt levels manageable: Reducing existing loans and keeping your Debt Burden Ratio within acceptable limits can improve eligibility.
Save for a larger deposit: A higher down payment may improve your loan approval chances and reduce the amount you need to borrow.