Home finance for people who live in the UAE — UAE nationals and expat residents, salaried or self-employed. It’s the most common way to buy a home in Dubai, and it’s the heart of what we do.
A residents mortgage is home finance from a UAE bank for people who live and earn here. Whether you hold an Emirates ID as a long-term expat or you’re a UAE national, it lets you buy a home to live in — or a property to let — without paying the full price in cash up front. You put down a deposit, the bank finances the rest, and you repay it in monthly instalments over an agreed term.
Most residents borrow against a ready property in one of Dubai’s freehold communities, though finance is available across the Emirates. Repayment terms commonly run up to around 25 years, subject to your age at the end of the term. Rates are usually fixed for an introductory period and then move to a variable rate, often benchmarked to EIBOR (the Emirates Interbank Offered Rate) — your advisor will walk you through how each option behaves over time.
Every bank sets its own criteria under the UAE Central Bank’s mortgage regulations, so the deposit, term, and documents that suit you best can vary from one lender to the next. That’s exactly where we come in: we compare the market, translate the fine print, and help you line up a mortgage that fits your income and your plans.
If you live in the UAE and you’re ready to stop renting — or you want to add a home to your portfolio — this is usually the place to start.
Residents can typically finance a large share of the price, with deposits starting from around 20% for expats and 15% for UAE nationals on a first home (illustrative, and subject to the property and lender).
Spread repayments over a term that fits your budget — commonly up to around 25 years, subject to your age at the end of the term.
Many residents fix their rate for an introductory period for predictable payments, then move to a variable rate often benchmarked to EIBOR.
Both are welcome. Employees and business owners simply provide different paperwork to evidence income — we’ll tell you exactly what each bank expects.
A pre-approval in principle — typically valid for around 60 days — lets you shop with a clear budget and negotiate as a serious buyer.
We compare options across UAE banks and handle the back-and-forth, so you see the choices that genuinely fit rather than a single bank’s shelf.
Here’s a general sense of how a residents mortgage tends to work in the UAE. Every figure below is an example to help you plan — not a quote, and not a promise of approval.
All figures above are illustrative examples only and are subject to UAE Central Bank regulations, individual lender criteria, and your personal circumstances. They are not a quote, an offer, or a commitment to lend, and nothing on this page is financial advice. Easy One Finance is a licensed mortgage brokerage in Dubai, UAE [Trade Licence / RERA ORN: to be added].