Residential
Buying Your First Home in Dubai
A starting point for first homes, family moves, and investment purchases
We assess your borrowing capacity in line with current UAE Central Bank mortgage regulations and compare fixed and variable-rate products across leading UAE lenders. We also help you budget for the full transaction cost, including valuation fees, transfer costs and the 4% Dubai Land Department transfer fee.
Moving to a Larger Family Home. For second-property purchases, financing is generally available at lower loan-to-value ratios than for a first home. We analyse the equity in your existing property, model sell-and-buy versus equity-release scenarios, and identify lenders experienced in bridging and back-to-back transactions.
Investment Property Finance. We work with lenders that consider rental income when assessing affordability for investment properties. Whether you're purchasing a long-term rental or a holiday-home investment, we structure the application to meet lender affordability requirements and UAE Central Bank Debt Service Ratio (DSR) guidelines.