Your question opens a WhatsApp chat with a Remart mortgage advisor. Not financial advice; information is based on publicly available lender data and may not be current.
From pre-approval to keys
01Free consultationShare your goals on WhatsApp or a call. We check eligibility in minutes.
02Pre-approvalWe compare offers across 12+ banks and secure your pre-approval letter.
03Valuation & offerThe bank values the property; we negotiate the final offer letter.
04Transfer & keysWe coordinate the DLD transfer with the bank, seller and trustee.
Mortgage questions
What is the minimum down payment in Dubai?
Residents need at least 20% for properties up to AED 5M (30% above), UAE nationals 15%, and non-residents typically 40%. Off-plan usually requires 50%.
How much are the upfront costs?
Budget around 7% of the price: 4% DLD transfer fee, 2% agency fee, mortgage registration (0.25% of the loan), valuation (~AED 3,000) and trustee fees.
Fixed or variable — which should I choose?
Fixed rates (1–5 years) give certainty; variable rates track EIBOR and can be cheaper when rates fall. Our advisors model both for your situation.
Can non-residents get a mortgage?
Yes — several banks lend to non-residents at up to 60% LTV, with proof of income and a clean credit history in your home country.
Do you charge for mortgage advice?
No. Remart’s mortgage service is free to clients; we’re compensated by the partner banks.
