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    Dubai Properties

    Home Loans UAE – Get the Best Mortgage Rate & Pre-Approval

    Compare offers from 18+ UAE banks with just one application. Expert advisors. Zero fees. Licensed by CBUAE.

    Rates starting from 3.70%
    UAE Nationals, Residents and Non-Residents
    Fast pre-approval
    100% free service

    Get Pre-Approved Today

    Submit one form. Receive multiple offers. Choose the best rate.

    No credit score impact
    Secure & confidential
    Multiple bank offers
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    Compare Rates From UAE's Leading Banks

    Access competitive offers through our partner network

    Key Points in 15 Seconds

    • UAE Nationals: Up to 85% LTV (first home <AED 5M), rates from 3.49%
    • Expat Residents: Up to 80% LTV (first home <AED 5M), rates from 3.75%
    • Non-Residents: Up to 60% LTV (investment only), rates from 4.25%
    • Max Tenure: 25 years, DBR limit 50%

    Investment/second properties: Nationals 65% LTV, Expats 60% LTV. Fees: Processing 0.5%, DLD 0.25%.

    Why Choose LeoCompare for Home Loans

    Join thousands of satisfied homeowners who trusted us to find their perfect mortgage deal

    One Application

    Access 18+ banks with expert-negotiated rates.

    Expert Personal Service

    Real mortgage specialists guide you through every step.

    Competitive Rates

    Compare rates and find the best deal for your mortgage.

    No Hidden Fees

    100% free service with complete transparency.

    18+
    Partner Banks
    24hrs
    Response Time
    0%
    Service Fees
    100%
    Confidential

    Start Your Pre-Approval Journey

    Get pre-approved by multiple UAE banks. Fast, secure, and completely free.

    Get Your Free Mortgage Quote

    Fill out the form below and receive personalized offers from multiple UAE banks

    Step 1 of 2Personal Details

    Personal Details

    UAE: 9 digits

    Choose Your Profile

    Different requirements apply depending on your residency and employment status

    UAE Nationals

    Up to 85% LTV with government support programs

    View details →

    Expat Residents

    Up to 80% LTV for residents with valid visas

    View details →

    Non-Residents

    Invest in UAE property from abroad (60% LTV)

    View details →

    Self-Employed

    Flexible docs for business owners & freelancers

    View details →

    Specialized Loan Solutions

    Tailored financing options for every property type and investment goal

    Commercial Property

    Finance offices, retail spaces & warehouses up to AED 100M+

    Learn more →

    Plot & Land Loans

    Vacant land purchase + construction financing

    Learn more →

    Off-Plan Properties

    Financing for under-construction & pre-launch projects

    Learn more →

    Refinance & Balance Transfer

    Lower your rate & save up to AED 50K/year

    Learn more →

    Equity Release

    Unlock your home's value for investment or expenses

    Learn more →

    Islamic Finance

    100% Shariah-compliant mortgage alternatives

    Learn more →

    Mega Loans

    Ultra-luxury financing AED 15M-100M+ with private banking

    Learn more →

    Portfolio Consolidation

    Simplify multiple property loans into one payment

    Learn more →

    Calculate Your Monthly EMI

    Use our interactive calculator to estimate your monthly payments and explore different scenarios.

    Trusted by UAE Homebuyers

    Join thousands who found their dream home through our partner network

    "Found excellent mortgage options through LeoCompare. Their partner advisors were professional and helped me secure a great rate."

    Ahmed K.
    Dubai Marina
    UAE National
    January 2025

    "As an expat, I was worried about the process. LeoCompare's partners made it easy and got me pre-approved quickly."

    Sarah M.
    Business Bay
    Expat Resident
    December 2024

    "Being a non-resident, I thought getting a UAE mortgage would be difficult. The brokers connected through LeoCompare offered competitive rates and clear guidance."

    James L.
    Palm Jumeirah
    Non-Resident
    November 2024
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    Your Complete Home Loan Guide

    Explore our comprehensive guide covering every aspect of UAE mortgages

    Current Interest Rates

    Compare UAE mortgage rates 3.49%-4.75% & understand rate factors

    Check Eligibility

    Understand who qualifies & key eligibility criteria for mortgages

    Best Home Loans

    Find the best mortgage options based on your unique profile

    Loan Requirements

    Learn what you need to qualify & key requirements by bank

    Required Documents

    Know which documents to prepare for your mortgage application

    Down Payment Guide

    Calculate down payment requirements 20%-50% by property type

    Down Payment Calculator

    Interactive tool to calculate your exact down payment amount

    Fees & Charges

    Understand all mortgage costs processing, valuation & registration

    Fixed vs Variable

    Compare rate types & choose the best option for your goals

    Application Process

    Follow the step-by-step process from application to approval

    First-Time Buyers

    Complete guide for first-time home buyers in UAE

    Pre-Approval Process

    Get pre-approved & understand the pre-approval timeline

    What is a UAE Home Loan?

    A UAE home loan (mortgage) is a secured loan provided by UAE banks to finance residential property purchases. The property serves as collateral. UAE Central Bank regulates all mortgages, limiting the Debt Burden Ratio (DBR) to 50% of monthly income and setting maximum Loan-to-Value (LTV) ratios based on residency status.

    Calculate EMIView RatesUAE NationalsExpat Residents

    UAE Home Loan FAQs

    Get answers to the most common questions about home loans in the UAE

    Related Resources

    Business Payment Fees GuideUAE Business Payments GuideSME Payment SolutionsMoney TransferSME LoansBusiness Loans
    Loan Parameters
    AED 1,000,000
    AED 300KAED 10M
    20%
    AED 200,000
    5%50%
    25 years
    1 year25 years
    4.49%
    2.99%6.99%
    Actual rates vary based on your profile and bank policies
    Calculation Results
    Monthly EMI
    AED 4,442
    Loan Amount
    AED 800,000
    Total Interest
    AED 532,636
    Total Amount Payable
    AED 1,332,636
    Loan-to-Value Ratio
    80%

    Important: Illustrative Calculations Only

    *These calculations are illustrative estimates only and do not constitute a loan offer or commitment.

    • •Actual interest rates, fees, and terms vary based on your credit profile, employment, and bank policies
    • •EMI calculations use illustrative rates (3.89%–4.99%) for estimation purposes only
    • •Complete the pre-approval form to get personalized quotes from multiple UAE banks

    Information Sources: UAE Central Bank, Dubai Land Department, LeoCompare Market Analysis

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