Mortgage
Financing your Dubai property
What you can borrow, what you need up front, and what the bank will ask for. Explained before you make an offer.
The basics
How mortgages work here
Most buyers in Dubai finance part of the purchase. Residents and non-residents borrow on different terms, and the deposit is the part people underestimate.
Your deposit
Banks lend a percentage of the property value and you fund the rest, plus purchase costs, from your own money. [Confirm current loan-to-value limits for residents, non-residents and off-plan with your provider.]
What you can borrow
Lenders size the loan against your income and existing commitments, not just the property price.
Fixed or variable
A fixed rate holds your payment steady for an agreed period. A variable rate moves with the market. Which suits you depends on how long you plan to hold.
Pre-approval first
Getting approved in principle before you shop tells you your real budget and makes your offer far stronger with a seller.
Buying off-plan
Developer payment plans and mortgages work differently, and not every project or stage can be financed. We check before you reserve.
Costs beyond the price
Bank arrangement fees, valuation, property registration and insurance all sit on top of the purchase price. [Add confirmed figures.]
Indicative calculator
What might this cost per month?
A rough monthly figure to plan with. It is not an offer, a quote, or an approval.
- Deposit needed
- AED 300,000
- Loan amount
- AED 1,200,000
- Total interest over term
- AED 801,398
Indicative only, based on the figures you enter. Actual rates, eligibility and fees are set by the lender and depend on your income, residency and the property. Purchase costs such as registration and agency fees are not included.
How we help
From eligibility to keys
Eligibility conversation
Income, residency, existing loans and how much you have available up front. Ten minutes tells us what's realistic.
Introduction to a lender
We put you in touch with our mortgage partner, who compares products across banks on your behalf.
Pre-approval
The bank confirms in principle what it will lend, so you shop with a real number and negotiate from a stronger position.
Property and valuation
Once you've chosen a property, the bank values it and issues the final offer letter.
Final offer and signing
You review the rate, the term and the fees. We keep the seller and the timeline aligned while it's processed.
Transfer
The bank releases funds at the DLD transfer, the property registers in your name, and the mortgage is recorded against it.
Our mortgage partner
We work with Huspy
Huspy is one of the UAE's largest mortgage brokers, comparing offers across a wide network of banks. Their advisors handle the application; we stay involved on the property side.
One application, compared across their panel of UAE lenders, instead of walking into a single bank.
[Confirm with Huspy: client-side fees, and exactly how this may be stated on the website.]
Eligibility, documents, valuation and the bank offer, tracked by a named mortgage advisor.
Your Top Neom advisor sees where the application stands, so financing and the property timeline stay aligned.
Two ways to start
Get a decision in principle
Either check your eligibility directly with Huspy, or have a Top Neom advisor set it up with you.
Check eligibility with Huspy
Answer a few questions about income and the property. Takes a few minutes, no documents needed to start.
Start with HuspyOpens Huspy, our mortgage partner. Anything you enter in the calculator above is carried across.
Have an advisor call you
Prefer to talk it through first? Tell us your situation and a Top Neom advisor will call, then introduce you to Huspy with the details already in place.
Request a call backBest if you are still choosing a property, or buying off-plan.
Top Neom Real Estate Broker introduces clients to Huspy. Mortgage advice, approval and terms come from Huspy and the lender, not from us. [Confirm the exact disclosure wording Huspy wants used.]
Not sure what you can afford?
Send us your situation and we'll come back with a realistic budget, the deposit you'd need, and an introduction to Huspy.