Mortgage UAE
Everything about mortgages in Dubai and the UAE
The property loan market in the UAE is evolving rapidly, creating unparalleled opportunities for property buyers — and for the brokers who serve them.
The property loan market in the UAE is evolving rapidly, creating unparalleled opportunities for property buyers — and for the brokers who serve them.
While mortgages currently account for a smaller share of transactions than in developed markets, demand is rising fast. In 2022, mortgages represented 16.7% of 160,000 real estate deals, up from 10.5% in 2020 — and are projected to approach 20%.
Among the lowest globally. For properties up to $1,000,000, rental income often surpasses monthly loan payments over a 25-year term — making property ownership both affordable and profitable.
The UAE's zero-tax policies and dynamic business climate make it ideal for diversifying portfolios with mortgaged properties in a tax-friendly environment.
World-class schools, a high standard of living and a safe environment — a mortgage provides the flexibility to move from renting to owning.
Drawn by ~15% average annual property-price growth; financing at rates as low as 3.98% lets them capitalize while minimizing upfront costs.
Use a mortgage automation tool or consult experts to calculate your borrowing capacity based on income and existing commitments.
Explore fixed-rate, interest-only, 15-year and 10-year plans to find the best fit for your needs.
Gather proof of income and property details and work with trusted mortgage partners to finalize your deal.
Dubai provides innovative tools like equity-release mortgages to help owners access the value of their assets. Refinancing means replacing your current loan with a better one — often at lower rates or improved terms.
A cash-out mortgage lets homeowners access the equity in their property as cash for reinvestment or personal use. Behomes gives brokers unparalleled access to market insights so they can offer competitive solutions to clients.
Dubai's lending ecosystem is supported by platforms like Behomes, which simplify mortgage comparison across the UAE. Our CRM mortgage software makes calculations instant, so clients immediately see how to expand their financial capabilities — increasing the number of properties available to buy and clarifying the monthly payment.
Our mortgage distribution system even lets brokers earn commissions from banks: sign a partnership with Behomes and we share part of the bank commission with you.
Behomes partners with the TOP 17 banks in the UAE — get the most favorable terms for every client.
As of 2024, fixed-rate mortgage rates in Dubai range between 3.78% and 3.98% — among the lowest globally.
Refinancing involves replacing your current loan with a better one, often with lower rates or improved terms.
It allows homeowners to access the equity in their property as cash for reinvestment or personal use.
Yes — the UAE market is attractive to a diverse group of buyers. Our partners can advise on eligibility and the best terms for your situation.
Give your clients instant mortgage calculations and offer the best terms from 17 UAE banks.