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Home Loan
Up to 80% LTV for UAE residents, rates from 3.99%.
Islamic Mortgage
Sharia-compliant Murabaha and Ijara structures.
Non-Resident Mortgage
Financing up to 60% LTV, no branch visit required.
Off-Plan Mortgage
Staged financing coordinated with developer payment plans.
Buy-to-Let Mortgage
Rental-yield-aware financing for investors and portfolios.
Mortgage Pre-Approval
Know your budget in 48 hours, before you house-hunt.
Mortgage Refinancing
Switch to a lower rate or release equity from your property.
All Services
See the full range of mortgage services we offer.
Free eligibility checkReady to lock in your rate?
Compare live offers across 20+ UAE banks — every fee disclosed upfront, no cost to explore your options.
48hr average pre-approvalZero broker fees20+ bank partners compared
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- Service Areas
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Dubai
4% DLD fee, the UAE's deepest lender network.
Ajman
Ready-home-led market, the lowest transfer costs in our coverage.
Abu Dhabi
Just 9 confirmed freehold zones, transfer costs roughly half of Dubai's.
Ras Al Khaimah
Off-plan-led and resort-driven, fewer active lenders than Dubai.
Sharjah
The UAE's most affordable market — SRERD-approved zones only.
All Areas
Compare coverage across all 5 emirates in one place.
Free eligibility checkNot sure which emirate fits?
Core mortgage rules are the same everywhere — the details differ. We'll match you to the right lender wherever you're buying.
5 emirates coveredTransfer fees vary 2–4% by area20+ bank partners UAE-wide
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Mortgage brokerage across the UAE
Core LTV rules are set nationally, but transfer fees, freehold zones, and which banks actively lend differ meaningfully by emirate. We know the local detail in each one we cover.
5
Emirates covered
2–4%
Transfer fees vary by emirate
20+
Bank & lender partners compared
1
Broker across every emirate
Coverage by emirate
Each area page below breaks down the local rules, price ranges, and freehold zones specific to that emirate.
Dubai
Our home base — 4% DLD registration fee, the UAE’s deepest lender network.
See homepage →Abu Dhabi
Just 9 confirmed freehold zones, and transfer costs roughly half of Dubai’s.
Learn more →Sharjah
The UAE’s most affordable market — but only SRERD-approved zones are financeable.
Learn more →Ajman
A ready-home-led market, with the lowest transfer costs in our coverage area.
Learn more →Ras Al Khaimah
Off-plan-led and resort-driven, with fewer active mortgage lenders than Dubai.
Learn more →Not sure which applies to you?
Get pre-approved and we’ll confirm the right rules for your specific property.
Start here →Why local market knowledge matters
Core LTV caps are set nationally by the UAE Central Bank and apply everywhere — but that’s where the similarities end. Freehold zones are officially defined per emirate, not UAE-wide. Registration and transfer fees range from around 2% in Abu Dhabi to 4% in Dubai. Some emirates are overwhelmingly ready-home markets, others are dominated by off-plan sales. And critically, not every bank actively lends in every emirate — which is exactly the kind of detail that only shows up when you’re comparing offers with someone who tracks it.
Common questions
Do mortgage rules differ between emirates?
Core LTV caps are set nationally by the UAE Central Bank and apply everywhere, but practical details like transfer fees, freehold zone rules, and which banks actively lend differ meaningfully by emirate.
Which emirates does BestRateHome cover?
Dubai, Abu Dhabi, Sharjah, Ajman, and Ras Al Khaimah, with dedicated local guidance for each.
Does it matter which emirate I get pre-approved in?
Pre-approval itself isn’t emirate-specific, but which banks actively lend on a given emirate’s property can vary — we account for this when matching you to a lender.
Can I buy in one emirate while living in another?
Yes — this is common, for example Sharjah residents buying in Dubai or vice versa. Your residency location and the property’s location are considered separately in the application.
Do transfer fees differ by emirate?
Yes, significantly — Dubai’s DLD fee is 4% (buyer-paid), while Abu Dhabi and Sharjah run closer to 2%, and Ajman and RAK have their own fee schedules. Each area page breaks down the specifics.
Get started in your area
Tell us where you’re buying — a broker who knows that market will follow up.
No cost, no obligation. We’ll never share your details with third parties.