Start with the full budget
Plan for your deposit and the relevant registration, valuation, bank, insurance and other transaction costs. The property price alone is not the amount of cash you need.
Financify · Mortgage advisory
Home Purchase Mortgages in the UAE
From your first budget to the keys in your hand. Understand the monthly payment, the cash you need upfront and the steps between an offer and a completed purchase.
Independent guidance. Lender assessment. Clear next steps.
Who this service is for
For first-time buyers, families moving home and investors buying a completed property in the UAE. Your residency, income structure, existing commitments and the property itself all influence lender options.
What to consider before you apply
Compare the whole mortgage
Look beyond an introductory rate. Review the fixed period, follow-on pricing, total repayment, early settlement conditions and any salary-transfer requirement.
Check the property before committing
A lender’s valuation and acceptance of the property matter. If the valuation differs from the purchase price, the cash needed may change.
How we support your journey
- Discuss your budget and preferred monthly payment.
- Prepare a lender-specific document checklist and request an indicative assessment.
- Compare suitable terms, arrange valuation and complete the lender’s conditions.
- Coordinate mortgage registration and transfer with the relevant parties.
Common questions
Is pre-approval the same as final approval?
No. Pre-approval is conditional. Final approval can depend on valuation, the property, supporting documents and the lender’s checks.
Can I compare different deposit amounts?
Yes. Use the calculator to compare payments and estimated cash requirements, then confirm the deposit required for your own profile with an advisor.
Can Financify guarantee a mortgage?
No. Financify provides mortgage advice and application support. The lender decides whether to approve and on what terms.
Official information and useful reading
Confirm the current requirements for your transaction with the lender and the relevant authority.
UAE Central Bank: mortgage lending framework ↗Dubai Land Department: property sale registration ↗Explore Financify mortgage guides →Page updated 19 October 2026. General information, not an offer or a guarantee. Requirements, fees and availability depend on the lender, property and applicant. Financify is a mortgage advisory brokerage, not a lender.