A client came to us with a painful update: “My mortgage application was rejected.” The bank’s response was brief—mortgage declined due to affordability documentation. But here’s the truth: in the UAE, most mortgage rejected cases are fixable when you tackle the two things banks measure hardest: Debt Burden Ratio  /…

If you’ve renewed a lease in the last year, you’ve probably asked yourself the same thing most residents eventually do: rent vs buy — which one actually saves more over time? In the UAE, this question isn’t just about lifestyle. It’s a real math problem because: Buying comes with big…

If your mortgage rejected message came out of nowhere, you’re not alone. In Dubai, approvals don’t depend on just “salary” or “down payment”—banks run your profile through strict affordability checks, your Al Etihad Credit Bureau file, and the property’s risk/valuation. Below are the most common rejection triggers and exactly how…

If you’re planning to buy property in the UAE, Loan-to-Value (LTV) is the rule that shapes your mortgage down payment (and your whole budget). LTV tells you the maximum percentage a bank can finance, and it’s one of the most important UAE mortgage regulations you’ll deal with. Below is a…

If you’re thinking about applying for financing—whether it’s a personal loan, a credit card, or a home loan—your credit score suddenly becomes very important. And the most common question is: What’s the minimum credit score for a loan in the UAE? Here’s the honest answer: there isn’t one fixed “official”…

A mortgage buyout in Dubai (also called a balance transfer, loan takeover, or mortgage transfer) is one of the fastest ways to reduce your monthly installment, lock a better rate, or release equity—without selling your home. But refinancing your home isn’t just “switching banks.” It’s a process with bank approvals,…

Buying a home with financing can feel straightforward—until a small oversight adds weeks of delays or tens of thousands in extra costs. This guide is written to help you avoid the most common (and expensive) traps people fall into when applying for a mortgage in Dubai—before you submit your application.…

Yes — non-residents can get financing, and a Dubai mortgage for non residents is very common for overseas buyers. The main difference vs residents is simple: higher upfront cash, tighter income checks, and more attention to the property’s “mortgageability”. This guide gives you the full picture — eligibility, financing limits,…

UAE mortgage rates in 2026 are entering a turning point. After years of rising borrowing costs, home loan interest rates are beginning to stabilize, creating new opportunities for buyers, investors, and homeowners looking to refinance.  This guide breaks down the latest UAE mortgage rates, explains what is driving them, and…

Choosing between a fixed rate mortgage and a variable mortgage is one of the biggest money decisions you’ll make when buying a home in the UAE. The “best” option isn’t universal — it depends on how stable you want your monthly payment to be, how long you plan to keep…

Buying property in 2026 as an expat can be straightforward — if you understand the rules before you start. This guide covers everything you need to know about an expat mortgage Dubai buyers typically use, including how home loans in UAE for expats work, what down payment and fees to…

When people hear “Islamic mortgage,” they often think it’s a totally different world from a normal mortgage. In reality, the monthly payment can feel similar — but the structure behind it is different. In the UAE, Islamic banks usually don’t “lend money with interest” for homes. Instead, they use Sharia-compliant…

When you step into the world of property financing in the UAE, one acronym shows up frequently — EIBOR. If your mortgage rate is variable (not fixed), this number plays a central role in shaping your monthly payments. Understanding it clearly can help you plan smarter, budget better, and avoid…

If you’re planning to buy a property in Dubai (or anywhere in the UAE), one number can decide how much you can borrow — and whether your mortgage gets approved: Debt Burden Ratio (DBR). DBR is basically a “stress test” for your monthly budget. Banks use it to make sure…

Choosing the best home loan in UAE is one of the most important financial decisions you will make when buying property. With multiple banks, varying interest rates, and different repayment structures, selecting the right mortgage can feel overwhelming. This complete guide breaks down everything you need to know to confidently…

Buying a home in Dubai is a major milestone, especially if you are doing it for the first time. With a strong real estate market and multiple financing options available, understanding house financing is the key to making confident and informed decisions. This beginner-friendly guide explains everything you need to…

Dubai’s commercial real estate market continues to attract entrepreneurs, corporations, and global investors. Whether you’re expanding business operations, purchasing an office, or investing in retail or industrial property, securing the right financing is key. A commercial property loan in Dubai can help businesses and investors acquire high-value assets while preserving…

Dubai is one of the most popular cities for expats. People move here for careers, business growth, safety, and smart investments. Over time, many start thinking about buying property — not just renting it. For foreigners, getting Home Loans in Dubai can feel like solving a puzzle. Every bank has…

Buying a property in Dubai isn’t something people do casually. For most buyers, it’s a serious commitment and often the biggest financial decision they’ve made so far. That’s why choosing the right mortgage matters just as much as choosing the right property. A question that comes up again and again…

Buying a home in Dubai is a high-speed journey where the gap between the listing price and your actual costs can be a shock. It is easy to fall for a AED 1.5 million villa, but the true test is whether you can handle the payments if interest rates climb…

Buying property in the UAE has become a realistic goal for many people—not only for residents living in the country, but also for overseas investors. Instead of paying the full purchase price upfront, most buyers today rely on property finance to manage costs and spread payments over time. However, property…

Buying property in Dubai is a major financial step, whether you are purchasing a home to live in or investing for rental income. Since property prices are high, most buyers rely on a mortgage in Dubai rather than paying the full amount upfront. However, many people start the process without…

Buying a home in Dubai is no longer just a dream for the wealthy. With flexible payment options and a wide range of banking solutions, getting a mortgage loan in Dubai is now accessible to salaried professionals, business owners, and even non-resident investors. If you’re planning to buy property, this…

Buying property in Dubai is a major financial step, whether you are purchasing a home to live in or investing for rental income. Since property prices are high, most buyers rely on a mortgage in Dubai rather than paying the full amount upfront. However, many people start the process without…