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Frequently Asked Questions
As a general rule of thumb, the limit is calculated at 7x the annual salary of the applicant but it also depends on the bank. If the customer already has loans, credit cards and existing liabilities, then this ultimately affects the maximum amount they can borrow.
Rates differ greatly between bank to bank and will all depend on the customer's individual profiling and whether they're salaried or self-employed.
Yes subject to individual client profiling as always. Maximum loan-to-value available for non-residents would be 60% funding with rates at this level starting from 3.89% for a 3-year fixed rate.
For expat residents (first-time buyer): 20%
For UAE nationals (first-time buyer): 15%
For expat residents (second-time buyer): 40%
For UAE nationals (second-time buyer): 35%
There are exceptions to the rules though, some of the banks allow 2nd-time buyers, 20% and 15% deposits for expats and locals, respectively, if their existing mortgage is under 60% LTV.
For salaried applicants: ID documents, salary certificate, 6 months' payslips, 6 months' bank statements and details of existing liabilities.
For self-employed: ID documents, company documents (trade licence, incorporation documents, memorandum of association, shareholders certificate, company profile, etc), audited accounts and/or 12 months business bank statements, 6 months' personal bank statements and details of existing liabilities.
This varies from bank to bank but normally banks will reply with initial observations and requests within 2 working days. Once additional documents have been provided, or additional questions have been addressed, the turnaround time to receive a pre-approval is usually between 5-7 working days.
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Mortgage calculator uae
Using Allsopp & Allsopp's mortgage calculators in the UAE provides accurate and personalised estimates, ensuring you can make informed decisions about your property purchase. With expert support from our mortgage advisors and brokers, we help non-resident investors and residents alike work through the mortgage process with ease.
Dubai mortgages & property loans
Dubai mortgages and property loans offer a range of options for both residents and non-resident investors looking to purchase property in the UAE. With the help of a mortgage advisor or mortgage brokers in Dubai, buyers can explore the best financing solutions, including Dubai mortgages for non-residents, and use a mortgage calculator to estimate monthly repayments. A mortgage brokerage can guide you through the process, ensuring that you understand all the available options, whether you're a first-time buyer or a seasoned investor.
Mortgage advisor
Using a mortgage advisor at Allsopp & Allsopp ensures you receive expert guidance tailored to your specific financial situation, whether you're a first-time buyer or a non-resident investor. Our experienced advisors leverage in-depth knowledge of Dubai mortgages and property loans, helping you manage the complexities of the mortgage process with ease and securing the best possible deal.
Dubai mortgages for non residents
Allsopp & Allsopp is the ideal choice for Dubai mortgages for non-residents because our expert mortgage advisors and brokers specialise in helping international investors handle the UAE property market. With access to a wide range of mortgage options and personalised advice, we ensure non-resident buyers receive tailored solutions that fit their financial goals, making the mortgage process seamless and stress-free.
Non-resident investors
Allsopp & Allsopp is the perfect choice for non-resident investors seeking Dubai mortgages, as we offer expert advice and a deep understanding of the unique needs of international buyers. Our experienced mortgage brokers help non-residents handle the complexities of securing property loans in Dubai, ensuring you access the best mortgage options and making the entire process efficient and transparent.