OUR NEST MORTGAGE

Your Trusted Partner for Home Mortgage in Dubai

Navigate the path to your dream home with confidence. Use our free mortgage calculator rates, understand the UAE home loan rates, and let us guide you through every step to get home mortgage in Dubai.

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Your Trusted Real Estate Partner in Dubai

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Trusted by clients across Dubai & the UAE

Our team of experienced mortgage brokers has helped hundreds of residents and expats secure the right home loan.

Clients Served

Residents & expats across the UAE

Years of Experience

Deep expertise in the Dubai property market

Approval Rate

Mortgage approvals at competitive rates

AED 0B+

Mortgages Facilitated

Total home financing value secured

Free Mortgage Calculator UAE

Estimate your monthly payments and understand the breakdown of your home loan in Dubai. This tool helps you plan your budget for property ownership.

Inputs

Property Value: AED 2,000,000

Valuation Fee (one-time, not in EMI): AED 3,000

Down Payment: 20% (AED 400,000)

Loan Amount: AED 1,600,000

Tenure: 25 Years

Fixed Rate (%): 4.25%

Variable Rate After Fixed Period

Fixed Period: 3 Year(s)

Variable Margin (%)

EIBOR Rate (%)

Effective Variable Rate = Margin + EIBOR = 5.75%

Insurance

Life Insurance (monthly % of outstanding): 0.030%

Property Insurance (yearly % of property value): 0.050%

Processing Fee: 1%

Result

Loan of AED 1,600,000 over 25y

EMI — Fixed Period

AED —

per month

EMI — After Fixed

AED —

per month

Your EMI will vary from AED — during the fixed period to AED — after the fixed period. Get a complete mortgage breakdown including:

What's included in your free report

📊

Monthly EMI schedule & full amortization chart

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Total interest payable over the loan tenure

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Life & property insurance estimates

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Processing fees & one-time cost breakdown

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Downloadable PDF & Excel reports

Total Interest

AED 9,32,336

Total Payable

AED 25,32,336

Life Insurance (Total)

AED 1,28,400

Processing Fee

AED 16,000

📥

PDF + Excel

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EMI (Fixed Phase)

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EMI (After Fixed)

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EMI + Life Ins (Month 1)

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Processing Fee

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Total Interest

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Total Payable

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Outstanding Balance — Year by Year

Life Ins. (Month 1)

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Life Ins. % Monthly

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Property Ins. Yearly

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Property Ins. % Yearly

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Valuation Fee

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Total Life Ins. (Tenure)

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Life insurance reduces monthly as the principal reduces. Property insurance is a yearly charge on the property value. Valuation fee is a one-time cost not included in EMI.

Outstanding Balance — Year by Year

Why Choose a Home Mortgage in Dubai?

Dubai offers one of the most dynamic property markets in the world, and getting a mortgage in Dubai allows both residents and expats to own property with ease. Whether you’re buying your first home or investing in real estate, a mortgage gives you the flexibility to manage your finances while securing long-term value.

At OurNest, we simplify every step of the home loan process in Dubai. As experienced mortgage brokers in Dubai, we work with leading UAE banks to ensure you get the best mortgage rates in the UAE, customized to your needs.

Start your home mortgage in Dubai journey with OurNest and experience a smooth, transparent process backed by local expertise.

Here’s why choosing a best mortgage in Dubai makes sense:

Affordable Home Ownership: Spread your payments with flexible repayment terms up to 25 years.
Competitive Interest Rates: Access exclusive fixed and variable rate offers from trusted lenders.
Options for Residents & Expats: Whether you’re a UAE resident or an overseas investor, OurNest helps you find the right expat home loan rates in Dubai.
Strong Investment Returns: Dubai’s growing real estate sector continues to deliver stable returns and capital appreciation.
Expert Mortgage Guidance: Our advisors handle the paperwork, negotiations, and approvals, saving you time and effort.

Are You Eligible for a Home Mortgage in Dubai?

These are the general requirements for a mortgage in Dubai. Lenders may have slightly different criteria, but this will give you a good idea of where you stand.

Key Eligibility Criteria

Age: Generally between 21 and 70 years old.
Residency: Available to both UAE Nationals and Expatriate Residents.
Minimum Salary (Salaried): Typically AED 10,000 to AED 15,000 per month.
Minimum Income (Self-Employed): Typically AED 15,000 per month.
Credit History: A healthy credit report from Al Etihad Credit Bureau (AECB) is crucial.
Non-resident eligibility: Minimum equivalent income of AED 15,000.
Length of service: Minimum 1 month of service will also be considered.

Down Payment & LTV

Your required down payment depends on your residency and the property value. This is known as the Loan-to-Value (LTV) ratio.

Property Value (AED)

AED 2,000,000

UAE National

Max Loan (LTV): 85%

Min. Down Payment: AED 300,000

Expatriate Resident

Max Loan (LTV): 80%

Min. Down Payment: AED 400,000

*LTV ratios shown are for first-time buyers on properties under AED 5 million. Ratios differ for properties above this value.

OurNest – Partner Banks

Our Clients Testimonials

I had a great experience working with Our Nest Real Estate on my recent home purchase. Arya and Anandhu were exceptional as the Mortgage consultants. They went the extra mile at each step. Right from coordinating with the bankers, real estate broker, and everyone involved to make sure everything stayed on track and the process was completed smoothly and in Record Time. Their professionalism, prompt communication, and attention to detail made the whole process of home ownership less stressful. Special Mention to Sarath and his empathetic and pragmatic approach/guidance and help as CEO of Our Nest! You guys got a great team. Thanks again! Highly recommended for a stress free experience of buying a property!

I had a great experience working with Hadhik. He was always available whenever I had questions and never missed a call. His guidance throughout the mortgage refinancing process was clear, practical, and very well informed. I really appreciated the effort he put into making sure I understood every step and felt confident in my decisions. What stood out most was his genuine commitment to helping me, not just rushing the process. I would highly recommend him to anyone looking for a reliable and knowledgeable mortgage advisor.

Shravan Poojary

Our Nest is the best real estate agency in UAE that provides amazing options for home buying , investment and services where they also provide Mortgage supports to the clients. I strongly suggest you to go with Our Nest.!

Sharon SK

Ournest makes buying a home in Dubai easy and stress-free. Their in-house mortgage team and all-in-one services help turn your dream home into reality. Highly recommended! ⭐ ⭐ ⭐ ⭐ ⭐

professional Aakash Singhal

5 months ago

Understanding Mortgage Rates in UAE

Home loan rate in Dubai can be fixed or variable, and they are influenced by your financial profile and the central bank’s EIBOR rate. Finding the best rate is key to an affordable mortgage in Dubai.

Fixed vs. Variable Rates

Fixed Rates: Your interest rate is locked in for an introductory period (e.g., 1-5 years). This provides predictable monthly payments, making budgeting easier.

Variable Rates: Your interest rate fluctuates with the EIBOR (Emirates Interbank Offered Rate). Your payments can go up or down, offering potential savings but less predictability.

Associated Fees

Beyond the interest, be aware of these one-time fees for your home mortgage in dubai:

Bank Processing Fees.: Up to 1% of the loan amount (+ 5% VAT).
Bank Valuation Fee: AED 2,500 to AED 3,150 (+ 5% VAT).
Mortgage registration fees: depends on the emirates(0.1% to 0.5%).- 1st point
property insurance and life insurance: depends on bank to bank

Illustrative Mortgage Rates Trend

*This chart is for illustrative purposes only and does not represent actual mortgage rates in UAE. Rates vary significantly based on lender and applicant profile.

Securing Your Mortgage In Dubai: Our Simple Process

We streamline the journey to property ownership. Here’s how we guide you from application to moving in.

Mortgage Process Steps

Get Pre-Approved

This is the most crucial step. We help you gather all the necessary documents and submit them to our partner banks to get a pre-approval letter. This letter confirms the loan amount you're eligible for, giving you a clear budget for property hunting.

Find Your Property

With your budget defined, you can confidently search for your dream home. Once you find it, you'll make an offer and sign a Memorandum of Understanding (MOU) with the seller. The bank will also conduct a valuation of the property.

Get Your Final Offer

Using your MOU and the property valuation, the bank will issue a Final Offer Letter. This document details the final loan amount, your interest rate, the loan term, and all other conditions. We review this with you to ensure everything is clear.

Transfer & Move In

The final step is the property transfer at the Dubai Land Department (DLD) office. The bank will disburse the loan amount, the seller is paid, and the property title deed is registered in your name. Congratulations, you are now a homeowner!

Get Expert Mortgage Help in Dubai

Finding the right mortgage in Dubai can feel overwhelming, but it doesn’t have to be. OurNest connects you with expert mortgage brokers in Dubai who guide you from start to finish. Whether you’re comparing home loan brokers in Dubai, checking mortgage eligibility, or seeking the best mortgage rates in the UAE, our team ensures you make the right decision for your financial goals.

FAQs

Your questions about getting a home mortgage in Dubai, answered.

1. What documents are needed for a mortgage loan in UAE?

You will typically need your valid Passport, UAE Residency Visa, Emirates ID, a salary certificate, 6 months of bank statements, and proof of address (like a DEWA bill). Self-employed individuals will need to provide company trade license and 12 months of bank statements.

2. How do I find the best mortgage rates in UAE?

The “best” rate depends on your profile. As mortgage brokers, we compare offers from all leading banks on your behalf. We negotiate to find you the most competitive fixed and variable mortgage rates in UAE that match your financial situation, saving you time and money.

3. What is the minimum salary required to get a mortgage in Dubai?

The minimum salary for a home mortgage in Dubai usually starts from AED 10,000–15,000 per month. Requirements vary by bank and employment type. OurNest helps residents and expats find mortgage in Dubai that match their income and budget.

Use OurNest’s mortgage calculator to check your loan eligibility instantly and explore the best mortgage rates in the UAE for your income level.

4. Can I use this mortgage calculator for any property in the UAE?

Yes, our home loan calculator UAE tool is designed to give you an estimate for any residential property in Dubai, Abu Dhabi, or other emirates. Remember that the final monthly payment will depend on the exact interest rate and loan amount offered by the bank.

5. What happens if I miss a mortgage payment?

Missing payments on your mortgage loan can lead to your account falling into arrears. This will negatively impact your credit rating and can affect your ability to secure financing in the future. It’s crucial to contact your bank immediately if you foresee any issues with your payments.

6. What are the current mortgage rates in Dubai?

Current mortgage rates in Dubai range between 3.99%–5.49%. Rates depend on your loan amount, down payment, and profile. OurNest compares offers from top lenders to secure the best mortgage rates in the UAE for you.