UAE National Home Loans – Get the Best LTV & Government Benefits
Access up to 85% LTV with preferential rates and exclusive government benefits. Get pre-approved in 2-3 working days through our licensed partner network.
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Access preferential rates through our licensed partner network
UAE National Mortgage Benefits 2025
Highest LTV Ratio
Up to 85% LTV for first-time buyers (15% down payment only)
Preferential Rates
Lower interest rates than expats, starting from 3.49% APR
Fast Processing
Pre-approval in 2-3 working days with streamlined verification
Government Support
Access Sheikh Zayed Housing Programme, fee waivers, extended tenures
UAE National Home Loan Advantages
As a UAE national, you enjoy the best loan-to-value ratios and exclusive government benefits
| Criteria | UAE Nationals | UAE Residents (General) |
|---|---|---|
| Minimum Down Payment | 15% (<5M) | 20% (<5M) |
| Maximum LTV | 85% | 80% |
| Interest Rates | 3.70% - 4.75% p.a. | 3.70% - 4.99% p.a. |
| Approval Time | 2-3 working days | 3-5 working days |
| Government Benefits | Available | Not available |
* Rates are indicative and subject to bank approval based on individual circumstances.
Start Your UAE National Pre-Approval
Get connected with our licensed mortgage partners for pre-approval in 2-3 working days
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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
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."
"As an expat, I was worried about the process. LeoCompare's partners made it easy and got me pre-approved quickly."
"Being a non-resident, I thought getting a UAE mortgage would be difficult. The brokers connected through LeoCompare offered competitive rates and clear guidance."
Related Financing Solutions
While UAE nationals enjoy preferential mortgage terms, we also serve expat residents living in the UAE with competitive financing up to 80% LTV. Understanding both programs can help you advise friends and colleagues from the international community about their mortgage options.
UAE nationals seeking Shariah-compliant home financing can explore our Islamic finance solutions, offering Riba-free Murabaha and Ijara structures that align with Islamic principles while still qualifying for enhanced government benefits and support programs available to Emirati citizens.
If you're a UAE national running your own business or working as a freelancer, our self-employed mortgage solutions combine your enhanced UAE national benefits with flexible income documentation tailored for entrepreneurs and business owners, offering the best of both worlds.
UAE National Mortgage FAQs
Information Sources: UAE Central Bank, Dubai Land Department, LeoCompare Market Analysis