The Smart Way to Finance Property in Dubai

Compare mortgage rates, calculate payments, and take the first step toward your next property.

Why Choose Housinova for Your Mortgage Needs?

At Housinova, we go beyond property transactions and help you secure the right financial foundation for your real estate journey. With strong experience in the UAE market and trusted relationships with leading lenders, our mortgage advisory service is designed to make financing simple, transparent, and stress-free. Whether you're buying your first home, refinancing an existing property, or investing in off-plan or ready projects, our expert advisors are here to guide you at every stage. We provide tailored recommendations based on your financial goals, along with access to competitive rates, clear comparisons, and exclusive Home Loan Programs. Our team is fully committed to simplifying the entire process. From pre-approval to final disbursement, Housinova supports you with expert guidance, honest advice, and full clarity. With us, you're not just securing a mortgage. You're building a smarter future in real estate.

Mortgage calculator

Easily estimate/calculate your monthly mortgage repayments

Frequently asked questions

Easily estimate your monthly mortgage repayments and gain a clearer picture of your future \n financial commitments – helping you plan ahead with confidence.

Your borrowing capacity depends on your income, existing financial obligations, and the bank’s lending criteria. Most UAE banks allow you to borrow up to seven times your annual income, provided your total monthly liabilities (including the mortgage) do not exceed 50% of your monthly salary.

A flat interest rate remains constant throughout the loan term and is calculated on the original loan amount. A reducing interest rate is recalculated monthly based on your outstanding balance, meaning your interest payments decrease over time. Our advisors will guide you on which option best suits your needs.

You’ll typically need a valid passport, Emirates ID, residency visa, salary certificate, six months of bank statements, and proof of address (such as a utility bill or tenancy contract). Additional documents may be required depending on your employment type and chosen bank.

Yes, non-residents can obtain mortgages in the UAE, although the maximum loan-tovalue (LTV) ratio is usually capped at 50%. Our team will help you navigate the process and ensure all eligibility criteria are met.

Mortgage pre-approval is an initial assessment from the bank confirming how much you can borrow, based on your financial profile. It strengthens your position when negotiating with sellers and speeds up the purchase process once you’ve found the right property.

Yes, banks typically require life insurance to cover the outstanding mortgage balance in case of unforeseen circumstances. Property insurance is also usually mandatory to protect the asset being financed.

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The Smart Way to Finance Property in Dubai

Why Choose Housinova for Your Mortgage Needs?

Mortgage calculator

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Frequently asked questions

How much can I borrow for a mortgage in the UAE?

What is the difference between flat and reducing interest rates?

What documents are required to apply for a mortgage?

Can non-residents apply for a mortgage in Dubai?

What is a mortgage pre-approval and why is it important?

Is insurance mandatory when taking a mortgage in the UAE?

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