Dubai Property Mortgages Your Pathway to Homeownership
Turning Dreams Into Keys
Buying a property in Dubai isn’t just a financial decision, it’s a lifestyle choice, a step toward security, and a gateway to your future. A mortgage is more than a loan; it’s the key that unlocks your vision. At Touchwood Real Estate, we make this journey seamless helping you navigate every detail with confidence and clarity.
Who Can Secure a Mortgage in Dubai?
Dubai’s property market welcomes residents, expats and international investors alike. Eligibility depends on income, visa status, and credit history. Standard documentation includes passports, salary certificates, and bank statements. Understanding these requirements upfront sets the stage for a smooth, stress free mortgage experience.
Down Payments & Loan Limits Explained
Most buyers start with a 20% down payment for properties up to AED 5 million, with higher percentages for luxury estates or second homes. Loan-to-value ratios differ by buyer category, property type, and price. Touchwood helps you plan strategically, ensuring your mortgage matches your financial goals and lifestyle needs.
Choosing the Right Mortgage for You
Dubai offers a variety of mortgage types to suit different needs:
Fixed-Rate Mortgages:
Predictable payments for long term stability.
Variable-Rate Mortgages:
Flexibility aligned with market movements.
Islamic Mortgages:
Sharia compliant financing without interest.
Interest-Only Mortgages:
Ideal for investors optimizing cash flow.
We guide you in selecting the mortgage that aligns with your lifestyle, investment strategy, and long-term wealth goals.
The Mortgage Journey, Simplified
Navigating mortgages can feel complex but with Touchwood it doesn’t have to:
Pre-Approval: Know your borrowing capacity before house-hunting.
Document Preparation: Organize paperwork efficiently to avoid delays.
Property Valuation: Ensure your investment meets lender and regulatory standards.
Application Submission: Present a complete, strong application.
Approval & Fund Disbursement: Seamless legal checks and signing.
Property Registration: Secure ownership under RERA and Dubai Land Department guidelines.
Interest Rates & Financial Planning
Dubai mortgage rates generally range from 3.5% to 4.5%, depending on your profile and lender. Touchwood helps you understand fixed vs variable rates and plan a mortgage that supports your financial flexibility while maximizing your investment returns.
Fees, Costs & Transparency
We ensure you’re fully informed of all costs, including:
- Dubai Land Department registration fees
- Mortgage registration and processing costs
- Agent commissions and related charges
Transparency allows you to make decisions with confidence, no surprises, just clarity.
Tips for Smooth Approval & Avoiding Pitfalls
Our expert guidance helps you:
- Prepare thorough accurate documentation
- Maintain a healthy debt-to-income ratio
- Choose the best lender for your goals
- Avoid common delays and errors
Refinancing & Equity Release Options
Your mortgage can evolve with your goals. Touchwood provides strategies to refinance, release equity, or optimize your loan, ensuring your property works as hard as you do whether for cash flow, investment growth, or lifestyle upgrades.
Your Mortgage Journey, Personal & Seamless
With Touchwood Real Estate your mortgage experience is fully supported from first inquiry to keys in hand. We deliver expert advice, market insights, and regulatory guidance, making every step smooth, clear, and tailored to you.
Step Confidently Into Your Dubai Home
Owning property in Dubai starts with understanding your mortgage options. Touchwood transforms complexity into clarity, helping you turn your property dreams into reality, today and for years to come.
Contact Touchwood today to explore your mortgage options and step into your Dubai home with confidence