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Read insightsUnderstanding mortgages.
A mortgage is a loan from a bank or financial institution to help you buy or invest in a property or asset, repaid over an agreed period.
Loan to Value is the percentage of the property's value that a lender will finance. In the UAE this is typically up to 80% for residents on a first property, with the rest paid as a down payment.
A prepayment is an extra payment made towards your loan on top of your regular installment. It reduces your outstanding balance and the total interest you pay over the tenure.
Full closure (or settlement) is paying off your entire outstanding mortgage balance before the end of the tenure, closing the loan completely. Early-settlement fees may apply.
A first mortgage is the primary loan secured against a property. It holds first priority over any other loans taken against the same property.
A second mortgage is an additional loan taken against a property that already has a first mortgage, allowing you to borrow against your built-up equity.
Some lenders allow rental income from an investment property to be considered when assessing your eligibility, helping investors qualify for larger or additional finance.
A commercial mortgage finances non-residential property such as offices, retail units and warehouses. Terms, deposits and rates differ from residential mortgages.
Tips for a strong application
Small steps that meaningfully improve your approval chances.
Maintain a good credit score
A higher score improves your approval chances and unlocks better rates.
Keep your documents ready
Having the right documents on hand saves time and speeds up approval.
Manage your debt wisely
Lowering existing debt can meaningfully increase your eligibility.
Choose the right tenure
Pick a tenure that balances your monthly budget and total cost.
Plan your finances
Plan your EMI comfortably within your monthly budget for peace of mind.
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