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Mortgage & Home Loan Solutions in Dubai

Buying property with finance requires the right preparation. CBA Real Estate helps buyers understand mortgage eligibility, bank requirements, down payment planning, valuation steps, approval timelines, and property options that match their budget and financing position.

Mortgage consultation and professional guidance

Mortgage Support

Why choose mortgage support with CBA Real Estate?

Buying property with finance can feel complicated, especially when comparing bank requirements, down payment options, eligibility criteria, valuation steps, and approval timelines.

CBA Real Estate helps buyers and investors in Dubai understand the mortgage process clearly, from initial eligibility guidance and document preparation to bank coordination, property shortlisting, valuation support, and final transfer steps.

Whether you are buying your first home, upgrading, refinancing, or investing, our team helps make the journey more structured, transparent, and aligned with your budget, property goals, and long-term buying strategy.

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Mortgage Calculator

Estimate your monthly mortgage payment based on the property price, down payment, interest rate, and loan term. This calculator gives you a quick guide before speaking with a mortgage advisor.

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FAQ

Mortgage FAQs

Clear answers about Dubai mortgage eligibility, down payments, approvals, documents, bank valuation, fees, repayment terms, and buying property with finance.

Mortgage documents usually include a valid passport, Emirates ID if you are a UAE resident, residence visa if applicable, salary certificate or employment letter, recent bank statements, payslips, proof of income, and details of existing loans or credit cards. Self-employed buyers may also need trade licence documents, audited financials, company bank statements, and business ownership details.
The down payment depends on your residency status, property value, buyer profile, and bank policy. As a general guide, UAE nationals may qualify for higher financing than expatriates, while non-residents usually need a larger cash contribution. Banks also assess whether this is your first property, second property, investment purchase, or off-plan purchase before confirming the final loan-to-value.
Loan-to-value, or LTV, is the percentage of the property value that the bank may finance. For example, if a property is worth AED 2,000,000 and the bank finances 80%, the loan amount would be AED 1,600,000 and the buyer would need to pay the remaining AED 400,000 plus all transaction costs.
Banks review your income, employment status, credit history, existing liabilities, credit card limits, age, residency status, property type, and the value of the property. They also check your debt-burden ratio to make sure your total monthly repayments remain within the allowed limit.
DBR measures how much of your monthly income is already committed to debts such as personal loans, car loans, credit cards, and the proposed mortgage payment. A lower DBR usually improves your chances of approval because it shows the bank that your income can comfortably support the mortgage.
Mortgage pre-approval is an initial confirmation from the bank showing how much you may be able to borrow based on your income, liabilities, documents, and credit profile. It helps buyers search within a realistic budget and negotiate more confidently before making an offer.
No. Pre-approval is based on the buyer’s financial profile, while final approval also depends on the selected property, bank valuation, legal checks, documents, and the bank’s internal approval process. A buyer can be pre-approved but still need final property approval before transfer.
Mortgage buyers should budget for the down payment, Dubai Land Department transfer fee, trustee fees, title deed fees, agency commission where applicable, bank valuation fee, bank processing or arrangement fee, mortgage registration fee, insurance, and any developer NOC or clearance-related costs. These costs are separate from the property price and should be planned before making an offer.
Dubai Land Department mortgage registration is usually 0.25% of the mortgage value, plus applicable title deed, knowledge, innovation, and service partner fees. The exact total depends on the mortgage type, property status, and registration channel.
Mortgage tenure can usually go up to 25 years, depending on the bank, borrower age, income, and profile. A longer term can reduce the monthly payment, but it may increase the total interest paid over the life of the loan.
A property valuation is the bank’s independent assessment of the property’s market value. The bank normally lends based on the lower of the purchase price or valuation amount. If the valuation comes lower than the agreed purchase price, the buyer may need to increase the cash contribution or renegotiate the deal.
Some banks may finance selected off-plan properties, but off-plan mortgage options are usually more limited than ready property mortgages. Financing depends on the developer, project status, construction progress, handover timeline, and bank policy. Many buyers use developer payment plans first and consider mortgage finance closer to handover.
Yes, some banks offer mortgages to non-resident buyers, but the terms are usually stricter than for UAE residents. Non-residents may need a larger down payment, stronger income proof, international bank statements, credit reports, and additional documents depending on their country of residence and the lender’s policy.
Yes, but the process requires coordination with the seller’s bank. The bank liability amount must be cleared, the mortgage release must be arranged, and the transfer is completed after the required documents and payments are processed through the correct DLD trustee procedure.
After final mortgage approval, the bank issues the final offer letter. The buyer signs the bank documents, valuation and legal checks are completed, required manager cheques are prepared, and the transaction moves toward transfer at the Dubai Land Department trustee office.
For individuals, DLD mortgage registration can require a letter from the mortgagee bank, mortgage contracts certified by the bank and signed by both parties, Emirates ID for identification or passport for non-resident foreigners, developer e-NOC for provisional sale properties where applicable, and power of attorney if a representative is acting.

Client Reviews

Real feedback from clients who trusted CBA Real Estate for buying, selling, renting, and investing in Dubai property.

5

I recently rented out my unit with the help of CBA Real Estate and I was thoroughly impressed! Their team, especially Miss Kamile, demonstrated exceptional attention to detail, ensuring every aspect of the rental process was handled seamlessly. I appreciated her transparency in communication, keeping me informed at every step. Kamile’s integrity and commitment to clarity made the entire experience stress-free.

Reyaz Ahmad
Google
5
2026-03-12

I had a great experience with CBA Real Estate, thanks to Jhona. She was very helpful, professional, and responsive throughout the process. She made everything clear and easy, and I really appreciated her support. Excellent customer service—thank you, Jhona!

Dina Uvasheva
Google
5

I’m extremely grateful to Sameer and CBA Real Estate.
Sameer managed everything perfectly — with excellent timing, outstanding efficiency, and complete professionalism.
It’s truly a pleasure to find people of this quality and commitment here in Dubai.
100% recommended. Thank you again for your great service!

Chris Fuentes
Google
5

I had a great experience with CBA Real Estate. The team was professional, responsive, and very helpful throughout the process. Everything was handled smoothly and efficiently. I would highly recommend them to anyone looking for reliable real estate services.

Luxlink Owner
Google
5
2026-04-29

CBA Real Estate was great to work with. The team was friendly, professional, and easy to communicate with. Everything was handled smoothly and on time. I would definitely recommend them.

Louis Danica
Google
5

Working with Yashar Momeni was a fantastic experience. He’s professional, knowledgeable, and really listens to your needs. He made the whole process smooth and stress-free. Highly recommended

Delaram Zand
Google
5

I had a very good experience with Fedi. He is very professional, reliable, and always fast responsive. He guided me through each step clearly, answered all my questions and made the whole process smooth and stress-free. I truly appreciated his honesty and attention to detail. Highly recommended.

Victoria Sirkova
Google

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