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Plain-English mortgage thinking for borrowers, not bankers.

Blog posts, rate breakdowns, and field notes from the desks that actually file your paperwork — not the marketing team that writes the brochure.

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The thinking behind the rate you'll actually pay.

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Featured · Buyer Guides

How much can you borrow on your Dubai salary?

There is a formula, and it is not a percentage of your salary. A UAE bank starts from half your monthly income, subtracts every commitment you hold — including 5% of credit card limits you have never touched — and lends against what is left, at a stress rate it does not publish. That is why two people on the same salary get offers seven hundred thousand dirhams apart, and why a mortgage calculator based on salary alone so often gives the wrong answer.

Vishal Vij

Head of Mortgages & COO

2026-10-0916 min read

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Buyer Guides·13 min

Refinancing a mortgage in the UAE: the four structures

Vishal Vij18 Sept

Mortgage Basics·15 min

Equity Release in UAE: How Much Money Can You Actually Release from Your Property?

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The field notes.

Mortgage Basics·12 min

Is It Easy to Get a Mortgage in Dubai?

For the right borrower with a prepared file, a mortgage in the UAE can be simple and straightforward, three to six weeks, clean set of documents, one valuation, the mortgage is done.

Vishal Vij04 Sept