Guides
How UAE mortgages actually work.
Written from the regulation itself, with every figure cited and every lender convention marked as one.
The Guides
Six guides, in the order you need them.
Each one states what the Central Bank requires, what banks do in practice, and the difference between the two.
How Mortgages Work in the UAE
The whole process, from what a bank checks to the day you get the keys.
Read the guide →Loan to Value Explained
What share of the price you can borrow, and the two things that change it.
Read the guide →Debt Burden Ratio Explained
The affordability limit, and why the rate you are tested at is not the rate you pay.
Read the guide →Dubai Fees and Costs
Every line item, from the Land Department to the trustee, with the numbers.
Read the guide →Mortgage Pre Approval
What it is worth, what it is not, and what still sits between you and the keys.
Read the guide →Documents Required
The list, by employment type, and the ones that hold files up.
Read the guide →Next Step
Read the guide, then ask the question it raised. That is what we are for.
A guide explains the rule. A specialist tells you what it means for your own file.