Getting a Mortgage in the UAE doesn't have to be Complicated
Keyspace simplifies the entire process. Our mortgage specialists work with UAE banks to help you get pre-approved faster and with less hassle.
- Financing up to 80% of property value
- Pre-approval in 24–48 hours
- Step-by-step support from our mortgage team
Based on your profile, we can connect you with tailored mortgage solutions from leading UAE banks. A specialist will guide you every step of the way.
Estimate Your Monthly Payment
Based on UAE Central Bank mortgage regulations
This calculation is based off of live products in our database
A Simpler Way to Get a Mortgage
Many buyers think getting a mortgage in the UAE is complicated. With Keyspace, we guide you every step of the way.
We review your profile and borrowing capacity.
Our team connects with partner banks on your behalf.
Know how much you can borrow before choosing a property.
Once you choose a property, we help complete the bank approval smoothly.
We Help Every Type of Buyer
Whether you're buying your first home, investing, or living in the UAE as an expat — we make mortgages work for you.
Guidance through the entire mortgage process.
Finance investment properties in the UAE.
Mortgage solutions designed for expatriates.
Support even if you were declined before.
Mortgage Options Built for You
Tailored mortgage solutions from leading UAE banks — structured around your profile and goals.
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Financing up to 80% of property value
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Competitive mortgage rates from UAE banks
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Flexible repayment terms
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Options for residents and expatriates
Why Buyers Choose Keyspace
Our goal is simple: make financing your property as easy as possible.
Common Questions Answered
Everything you need to know about getting a mortgage in the UAE — answered clearly and simply.
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The amount you can borrow depends on your income, residency status, and the property value. As a general rule, UAE banks lend up to 80% of the property value for residents and expatriates on properties up to AED 5 million.
For properties above AED 5 million, the maximum drops to 70% LTV. UAE Nationals may qualify for slightly higher financing. Your Keyspace specialist will assess your full profile to give you a precise figure.
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With Keyspace managing the process, most clients receive a mortgage pre-approval within 24 to 48 hours of submitting the required documents.
Because we work directly with multiple UAE banks simultaneously, we avoid the delays that come from applying to banks one at a time. Having your documents ready — salary certificate, bank statements, Emirates ID, and passport — helps us move as quickly as possible.
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Yes — expatriates living and working in the UAE can qualify for a mortgage. Most major UAE banks offer mortgage products specifically for expats, with financing of up to 80% LTV on properties valued up to AED 5 million.
Eligibility typically requires a valid UAE residency visa, a minimum monthly income (usually AED 10,000 or above), and a stable employment record. Keyspace has extensive experience helping expats navigate this process smoothly.
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Under UAE Central Bank regulations, the minimum down payment is 20% of the property value for residents and expats on properties up to AED 5 million. For properties above AED 5 million, the minimum rises to 30%.
UAE Nationals benefit from lower thresholds — 15% down on properties up to AED 5 million. Buyers should also budget for transfer fees, registration costs, and broker fees typically totalling 4–7% of the purchase price.
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A previous rejection does not mean you cannot get approved. Banks decline applications for many reasons — income structure, documentation gaps, or simply not being the right fit for that lender. Different banks have different criteria.
Keyspace reviews your full profile, identifies what caused the decline, and finds the right bank partner for your situation. Many of our clients have successfully secured mortgages after being turned down elsewhere. Talk to us before giving up.
Find Out If You Qualify
for a Mortgage
Our mortgage specialists will guide you through the process and help you explore financing options available to you.