Dubai mortgage guidance for Australians

Understand the lending pathway before you commit to a property. We help you prepare and compare your options from Australia.

Residency changes the assessment

UAE residents and non-residents are assessed differently. A bank considers your income, existing debts, documentation and the property itself. Regulatory limits are maximums, not a promise that a lender will offer that amount.

Our calculator begins with an illustrative 50% deposit for a buyer living in Australia. Your actual deposit and rate must come from a lender assessment. Read the non-resident deposit guide.

What we help you compare

• Eligibility for your residency, income type and property.
• Loan amount, term and initial repayment.
• Fixed period, reversion rate and how repayments can change.
• Valuation, arrangement, registration and early-repayment charges.
• Required insurance and other conditions of the offer.

Prepare the application

Requirements vary by bank. Start by confirming the document list: identity and address evidence, income records, bank statements and evidence of existing commitments. Self-employed applicants may need financial statements and additional business records. Use the secure document process agreed for your application; the website enquiry form is for general questions.

Our mortgage fee

Mortgage assistance is charged at 0.5% of the amount borrowed. We receive no commission from banks. On an illustrative AED 1,000,000 loan, that is AED 5,000 before any applicable taxes. The payment stage and exact scope are set out in your quote.

Bank charges, government fees, third-party costs and any separate buyer’s advocacy work are itemised separately. An application remains subject to lender assessment and approval.

Plan the cash as well as the repayment

The deposit is only part of the upfront budget. Use the calculator to explore a scenario, then replace its assumptions with your written quotes. Allow for the agreed purchase costs and an appropriate contingency.

Primary references: CBUAE mortgage regulations and DLD sale-registration fees. Reviewed 15 September 2026. Bank criteria must be checked for your application.