Mortgage in Dubai
No More Waiting – Own Your Ideal Home Now! Enjoy Stress-Free Payments & Extended Tenures That Work For You.
5 Best Home Finance Tips to Secure a Home Loan in Dubai in 2025
Government housing program
Benefits
- 0% interest on loan amounts up to AED 800,000
- Zero Processing Fee and discounted valuation fee
- Optional Life insurance
Loan Against Property for Expatriates
Benefits
- Borrow up to AED 25 million
- Financing up to 80% of the property value
- Loan tenor up to 25 years
Loan Against Property for UAE Nationals
Benefits
- Loan amount of up to AED 25 million
- Loan-to-Value (LTV) up to 70%
- Loan against fully constructed and completed properties across all emirates
Home Loans for Self Construction
Benefits
- Up to 100% financing of construction cost
- Payment holiday for 2 years or construction completion whichever is earlier
- Loan amounts up to AED 25 million
- Fixed rate interest option available
Home loans for UAE Nationals
Benefits
- Financing up to 85% of the property value
- Loan amount offered up to AED 25 million
- Government housing included
Home Loans for Expatriates
Benefits
- Financing up to 80% of the property value
- Borrow up to AED 25 Million or 84 salary multiples (whichever is lower)
Unlock the best home finance deals in 2025
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Explore a lifestyle where every detail supports your comfort and peace of mind. Let your next chapter begin at Orchids designed for inspired living.
What people say about us
Looking to save on your current home loan? Switch your Mortgage in Dubai to Orchid Home and enjoy lower interest rates, higher loan amounts, and better terms tailored to your needs.
Mortgage Loan Buyouts
Invest in your future with our commercial mortgage solutions. Whether you're buying a retail space or an office unit, we offer competitive financing options for ready-to-move commercial properties.
Commercial Property Loans
Dreaming of owning a home in the UAE while living abroad? Our non-resident home loans make it simple and flexible, offering attractive rates and easy application processes for international buyers.
Home Loans for Non-Residents
FAQs
Why do I need a Mortgage when buying a home?
A Mortgage allows you to spread the cost of buying a property over several years, making homeownership more accessible. The property acts as security for the loan until it’s fully repaid.
How much can I borrow for a mortgage?
The amount you can borrow for best mortgage Dubai depends on your income, financial commitments, property value, and the lending bank’s policies. Typically, financing can go up to 80–85% of the property value.
What documents are required to apply?
You’ll generally need your passport, Emirates ID, salary certificate, bank statements (last 6 months), and property documents. Self-employed individuals may need additional paperwork.
What types of mortgage rates in Dubai are available?
You can choose between fixed-rate mortgages (your rate stays the same for a set period) and variable-rate mortgages (your rate can change based on market conditions).
What is the difference between buying a ready property and off-plan property with a mortgage?
Buying ready property typically allows faster . For off-plan purchases, some banks provide financing after construction reaches a certain stage.
How long does approval usually take?
Initial pre-approval can take 3–5 working days, while final approval after property selection can take 1–2 weeks, depending on document readiness and bank processes.
Are there any hidden costs when taking a loan?
Besides the down payment, you should budget for bank processing fees, valuation fees, life insurance, property registration fees, and sometimes early settlement charges.
Can I pay off my mortgage early without penalties?
Some lenders allow early repayment, but it may involve a small early settlement fee (usually around 1% of the outstanding balance). Always check the specific bank terms.
Can non-residents or expatriates get a loan in Dubai?
Yes, many banks in the Dubai offer mortgage options for non-residents and expatriates, although the terms and available financing percentage may differ.