Start with the number
Use the eligibility calculator, then speak with us. The viewing list should follow the budget, not the other way around.
First home
First-Time Buyer Mortgages in Dubai
The first purchase, without the fog.
A first home mortgage in Dubai starts with eligibility and pre-approval, then the right building and a transfer without surprises. Residents and non-residents. No consultancy fee.
A first-time buyer mortgage in Dubai is a UAE home loan for your first property. Start with how much you can borrow, get pre-approval, then view. Residents often plan from a 20% deposit on a ready home; non-residents often around 40%. Crelco compares banks and stays with you to transfer.
Most of the anxiety around a first home in Dubai is not the interest rate. It is not knowing what you can borrow, which documents matter, or when to make an offer. Crelco settles those in order.
Residents buying a first ready property are often considered from a 20% deposit. Non-residents should plan for more, commonly around 40%. We will tell you which applies, which banks prefer your profile, and when the file is ready to be seen by the market.
You do not need to know the jargon. DBR, LTV, Form F, trustee. We translate, compare lenders independently, and keep the file moving. There is no consultancy fee from Crelco.
How a file can look
Illustrative only. Not an offer and not your number. An advisor replaces this with the file.
First ready home, resident, AED 1.5 million
A 20% deposit is AED 300,000. Dubai Land Department registration and other transfer costs sit on top of that, not instead of it. Pre-approval first, then we list the cash you actually need.
First purchase from overseas
Plan around a 40% deposit on a ready home unless a bank confirms otherwise. Pre-approval can start before you fly. The viewing trip is more useful with a number in hand.
Rules we refer to: UAE Central Bank, mortgage rules · Dubai Land Department. Banks still apply their own, often tighter, limits.
- A clear reading of eligibility before you spend weekends viewing.
- Pre-approval so offers are taken seriously.
- Bank comparison that is not a single product pitch.
- MOU review before you sign.
- A dedicated advisor through to the keys.
How it works
The file, in order.
Residents and non-residents
Both can buy. The deposit, paperwork, and bank appetite differ. We set expectations in the first conversation so the search is realistic.
Offers and the MOU
Once pre-approved, you can offer with a number the other side respects. We review the MOU or Form F before you commit.
Through to the keys
Valuation, approval, trustee, and DLD registration are a sequence. One advisor stays with the file so you are not explaining your story twice.
See what you can borrow.
A Crelco advisor maps the file, compares banks, and you decide. Crelco does not charge any consultation fees.
Documents
What we typically ask for
- Passport, visa, and Emirates ID if resident
- Salary certificate
- Three to six months of bank statements
- Proof of address
- Any existing liabilities, listed plainly
Exact lists vary by bank and employment type. We collect only what the file requires.
Also useful
Related at Crelco
Questions
Asked, answered.
Direct answers first. If yours is not here, an advisor will take documents, timing, and the bank that actually fits.
Private consultation
Speak with a Crelco mortgage advisor.
Independent advice. Banks compared for your file. Crelco does not charge any consultation fees.