Stop Paying Rent. Own Your Home With Minimum Down Payment
See Your Real Monthly Payment
Rates shown are indicative. Your exact interest rate may vary by profile.
Interest Rate3.75%
This rate may vary bank to bank and on any policy update.
AED
AED
25 Years
This calculation is based on the current product data in our database and may vary depending on your profile.
Loan Amount
800,000 AED
Monthly Cost
4,113 AED
Which Mortgage Solution Do You Need?
1. New Purchase
Secure the Right Mortgage for Your New Home
Whether you are buying your first apartment, upgrading to a villa, or investing in UAE property, Credit Link helps you find the right mortgage solution based on your budget, income, and long-term goals. As a UAE-based mortgage broker, we compare options from leading banks to help you secure competitive rates and flexible terms.
2. Refinance / Buyout
Switch to Better Rates and Smarter Terms
If your current mortgage no longer fits your financial needs, Credit Link can help you refinance or transfer your existing loan to a better option. Whether you want to reduce your monthly payments, secure a lower interest rate, or improve your loan terms, our experts guide you through a smooth and hassle-free process. See your potential new payment with our Refinancing Calculator.
3. Equity Release
Unlock the Value in Your Property
Turn your property's built-up equity into usable funds with a structured equity release solution. Whether you need funds for business growth, education, investments, renovations, or personal financial goals, Credit Link helps you explore suitable options while keeping your mortgage plan efficient and manageable. Speak to a consultant about unlocking your equity.
4. Off Plan Mortgage
Finance Your Off-Plan Property with Confidence
Planning to purchase an off-plan property in the UAE? Credit Link helps eligible buyers explore mortgage solutions for selected off-plan projects. From understanding bank requirements to arranging financing near handover, we make the process clearer, smoother, and more convenient. Buying from outside the UAE? See our Non-Resident Finance options.
THE PROCESS
Application to Keys: 7-14 Days
Day 1-2
Pre-Approval
- ✓15-min call with your consultant
- ✓Income verification
- ✓Calculate your max borrowing
- ✓You know your budget
Day 3-5
Document Collection
- ✓We send checklist
- ✓You gather papers
- ✓We review before submission
- ✓Fix issues immediately
Day 6-10
Bank Review
- ✓Submit to multiple lenders
- ✓We handle all questions
- ✓Negotiate better terms
- ✓Update you every 48 hours
Day 11-14
Approval & Closing
- ✓Bank approves
- ✓Property valuation done
- ✓Sign documents
- ✓Collect keys
Home Loan Eligibility Checklist
Everyone Needs:
- Passport + Emirates ID
- Visa + residence permit
- Last 6 months bank statements
- Property documents
Salaried Employees Add:
- Salary certificate
- Last 6 months payslips
- Employment contract
Self-Employed Add:
- Trade license
- Last 6 months business statements
- Last 2 years financials (if available)
- MOA (Memorandum of Association)
FAQ's
How much can I borrow?
General rule: 7x your annual salary. But max monthly debt can't exceed 50% of gross income. Example: AED 25,000 salary = max AED 12,500 total monthly debt = roughly AED 1.8M borrowing capacity. Get your exact figure with our Eligibility Calculator.
What credit score do I need?
700+ gets best rates. But we've approved 580+ scores with strong income and down payment.
Can I apply for home loan while on probation?
Yes, but limited options. We work with 3 lenders. Need strong profile: good salary, 20%+ down payment, employer confirmation letter.
Fixed rate home loan or variable?
Fixed = certainty (same payment for 3-5 years). Variable = lower rate initially but can change. Most people choose fixed for 3-5 years, then refinance when period ends. Full comparison: Fixed vs Variable Mortgage Rates in Dubai.
Should I buy to let or live in?
Both work. Buy to let needs 25% down minimum. Rental income can help with approval but banks calculate conservatively (70% of actual rent).
Best home loan in UAE for expats?
Depends on your situation. We compare all banks and recommend best 2-3 for your specific profile. If you're based outside the UAE, see our dedicated Non-Resident Finance page.