Answers
Can I get a 100 percent mortgage in the UAE?
A short answer, with the article it comes from.
The answer
No. The most any UAE lender may finance is 85 percent of the property's value, and only for a UAE national buying a first home worth AED 5 million or less. Expatriates cap at 80 percent below AED 5 million, and the deposit must come from your own money, not a personal loan or a credit card.
CBUAE Circular 31/2013 Articles 2.4 and 3.2, checked 2 October 2026.
The Central Bank sets the maximum loan to value for every lender in the UAE, and none of its caps reaches 100 percent. Second homes and investment property cap at 65 percent for UAE nationals and 60 percent for expatriates, and anything bought off plan caps at 50 percent for everybody.
Nor can the gap be borrowed elsewhere. Article 2.4 of the circular says the down payment "should be drawn from the borrower's own resources and not from other sources of borrowing (including personal loans or credit cards)".
The caps are a ceiling, not the norm. The circular expressly allows lenders to adopt more conservative ratios, and the loan is measured against the bank's valuation of the property, so a valuation below the price increases the cash you need.
If the deposit is the obstacle, the useful question is which purchase your cash actually supports once the Land Department fees are added on top. A specialist can work that out for your case before you agree a price.
Rules are the easy part. Your file is the question.
Not sure what your deposit buys? Talk to a Specialist.