List your property Owner Log in

Stay® · Mortgage Advisory

Know your number,
before you fall in love with the place.

Move your sliders for an instant monthly repayment, then talk to a Stay® advisor who compares the whole market to find your best available rate in the UAE.

Open the calculatorSpeak to an advisor
Whole-of-market adviceNon-residents welcomePre-approval in 5 to 7 days
Open the calculatorSpeak to an advisor

Mortgage advisors in Dubai

Helping you find the right mortgage.

Buying should feel smooth, not stressful. Use the calculator to see your likely monthly repayment, then let our in-house advisors handle the bank, the paperwork and the rate, the same quiet, precise way we run everything at Stay®.

  • We compare lenders across the market, not one bank
  • Residents, non-residents and first-time buyers
  • Pre-approval typically in 5 to 7 working days
  • Clear on costs, always, no surprises

Calculate your mortgage repayments

AED 1,500,000
AED 300,000AED 35,000,000
AED 300,00020%
15%60%
25 years
1 year30 years
4.25%
1%10%
Monthly repayment AED 0

Need help or ready to proceed?

Talk to a Stay® advisor and we will find your best available rate in the UAE.

Start your application Speak to our team

FAQ

Mortgage questions, answered

How much can I borrow for a property in Dubai?

As a general rule, banks lend up to about 7 times your annual income, but the exact figure depends on your salary, existing liabilities, credit history and the bank. Our advisors size this precisely before you make an offer.

What is the minimum deposit in the UAE?

For a first property, expatriates typically need a 20% down payment for homes up to AED 5 million, and 30% above that. UAE nationals usually put down 15%. Off-plan can differ by developer.

Can non-residents get a mortgage in Dubai?

Yes. Non-residents can usually finance up to about 50 to 60% of the property value, depending on the lender, with rates from the high 3% to mid 4% range in 2026.

What interest rate should I expect in 2026?

Most fixed rates currently sit between roughly 3.9% and 4.5%, with variable rates tracking EIBOR. The calculator defaults to an indicative 4.25%. We compare the whole market to find your best available rate.

What documents do I need for pre-approval?

Passport and visa, Emirates ID, salary certificate or trade licence, recent payslips and bank statements, and a liabilities letter. Pre-approval usually takes 5 to 7 working days.

Does Stay® charge for mortgage advice?

Our initial consultation and the calculator are free. We are paid by the lender on completion, and we tell you upfront if any fee ever applies, so you always know exactly what you pay.

Get your estimate