Frequently Asked Questions
Get answers to common questions about mortgages in Dubai
Mortgage Service
Expert Mortgage Solutions
for Dubai Real Estate
At Blackrock International Properties, we specialize in securing competitive mortgage financing for property purchases across Dubai. Our dedicated mortgage advisory team works with over 40 banks and financial institutions to ensure you receive the most favorable terms and rates available in the UAE market.
We understand that purchasing property in Dubai requires significant financial planning. Our mortgage experts streamline the entire process, from initial consultation and document preparation to final approval and disbursement. Whether you're buying your first home, investing in off-plan developments, or expanding your property portfolio, we provide personalized mortgage solutions tailored to your financial goals.
Our Mortgage Services Include:
- Residential Mortgages: Up to 80% financing for UAE nationals and 75% for expats on ready properties
- Off-Plan Financing: Specialized payment plans aligned with developer schedules
- Investment Property Loans: Competitive rates for buy-to-let properties
- Mortgage Pre-Approval: Fast-track approval to strengthen your buying position
- Islamic Financing: Sharia-compliant mortgage solutions
- Refinancing Options: Lower your interest rates and monthly payments
Why Choose Our Mortgage Service?
✓ Access to 40+ Banks: We compare offers from leading UAE banks to secure the best rates
✓ No Hidden Fees: Transparent pricing with clear breakdowns of all costs
✓ Fast Processing: Pre-approvals within 48 hours, full approvals in 2-3 weeks
✓ Expert Guidance: Navigate UAE mortgage regulations with confidence
✓ End-to-End Support: From application to property handover
Get Your Free Mortgage Consultation
Submit your details and our mortgage specialists will contact you within 24 hours to discuss your financing options.
Mortgage Requirements
For UAE Nationals
- Minimum 20% down payment
- Valid Emirates ID
- Salary certificate or business documents
- 6 months bank statements
For Expats
- Minimum 25% down payment
- Valid passport and residence visa
- Employment letter with salary details
- 6 months bank statements
Note: Requirements may vary based on nationality, property type, and chosen lender.
Simple 5-Step Mortgage Process
We've streamlined the mortgage application process to make property financing in Dubai quick, transparent, and hassle-free.
1. Initial Consultation
Discuss your property goals, review your financial profile, and determine your borrowing capacity with our mortgage advisors.
2. Compare Options
We compare mortgage offers from 40+ banks to find you the best interest rates, terms, and conditions available in the market.
3. Document Preparation
Our team assists you in gathering and organizing all required documents to ensure a smooth application process.
4. Application & Approval
Submit your application and receive pre-approval within 48 hours. Full approval typically takes 2-3 weeks.
5. Disbursement & Property Handover
Once approved, the bank disburses funds directly to the developer or seller. We coordinate with all parties to ensure a seamless property transfer.
For UAE nationals, banks typically offer up to 80% LTV for properties under AED 5 million and 70% for properties above that value. For expats, the maximum LTV is 75% for properties under AED 5 million and 65% for properties above. First-time buyers may qualify for higher ratios.
Pre-approval can be obtained within 48 hours with complete documentation. Full mortgage approval typically takes 2-3 weeks, depending on the bank and complexity of your application. Our team expedites this process by ensuring all documents are properly prepared and submitted.
Current mortgage rates in Dubai range from 3.5% to 6% depending on factors such as your credit profile, property type, loan amount, and chosen bank. Fixed rates are available for 1-5 years, after which they typically convert to variable rates. We help you secure the most competitive rates by comparing offers from over 40 banks.
Yes, many banks offer off-plan mortgages in Dubai. However, financing is typically available only when the property is 50-60% complete. The loan is disbursed in stages aligned with the developer's construction milestones. We help you structure payment plans that coordinate developer payments with mortgage disbursements.
Required documents typically include: valid passport and residence visa (for expats), Emirates ID, 6 months bank statements, salary certificate or proof of income, employment contract, property details and sale agreement. Self-employed individuals need additional business documents. Our team provides a complete checklist tailored to your situation.
All costs are transparently disclosed upfront. Standard fees include: property valuation (AED 2,500-3,500), bank processing fee (typically 1% of loan amount), mortgage registration fee (0.25% of loan amount), and life insurance. There are no hidden charges when working with us – we provide a complete cost breakdown before you commit.
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