UAE nationals
Finance the next stage of ownership.
From buying a family home to building on your land, we help UAE nationals understand financing limits, compare lenders and plan each step.
Home, build or refinance
Your main routes
Home Purchase Financing
Secure the right mortgage to buy residential property in the UAE.
ExploreConstruction & Land
Phased, structured funding for your build or land purchase.
ExploreIslamic Home Finance
Sharia-compliant options that fit your goals and values.
ExploreRefinancing & Buyout
Move away from terms that no longer suit you.
Explore
Financing limits
Financing limits for UAE nationals
- Up to 85% of the value for a first home of AED 5 million or less (75% above that).
- Up to 65% for an additional or investment property.
- Total borrowing limited to eight times annual income.
- Maximum term of 25 years, subject to lender policy.
| Property value | Expatriate (UAE resident) | UAE national |
|---|---|---|
| AED 5 million or less (first home) | Up to 80% | Up to 85% |
| Above AED 5 million (first home) | Up to 70% | Up to 75% |
| Additional or investment property | Up to 60% | Up to 65% |
| Off-plan property | Up to 50% | Up to 50% |
Maximum financing as a share of property value under Central Bank limits (checked September 2026). Lenders may set lower limits. Non-residents: set by each lender.
Housing programmes are separate
Some UAE nationals may be eligible for federal or emirate housing programmes, which have their own rules, approvals and terms. Eligibility isn’t automatic, and bank financing limits still apply unless a programme states otherwise. We can help you understand how a programme and bank finance might work together — the programme authority makes its own decision.
Documents you’ll usually need
Exact requirements vary by lender.
- Passport, family book and Emirates ID
- Salary certificate and payslips, or business documents if self-employed
- Bank statements
- Property or land documents
- Housing programme documents, if relevant
Mortgage calculator
Your estimate as a UAE national
An immediate estimate with no contact details required. Adjust the numbers, then talk it through with an advisor.
No. Each programme has its own eligibility rules. We don’t assume eligibility — the programme authority decides.
Sometimes. It depends on the programme’s rules and the lender. We’ll help you understand the options.
Yes. Many lenders offer Sharia-compliant home finance to UAE nationals.
Let’s make your next property decision clearer.
Tell us what you’re planning. An advisor will help you understand the next step.