Mortgages for Residents and Non-Residents
in Dubai/UAE

Mortgages Made Simple for Everyone

Whether you're a resident or just passing through, owning a piece of Dubai is now within your reach

Mortgages for Residents

Navigating the Dubai Mortgage Maze?

The intricacies involved in obtaining a mortgage in Dubai are multifaceted and can often appear intimidating, more so if you’re not a resident of the emirate. The city’s dynamic property landscape, coupled with its unique set of regulations, requires a deep understanding and careful navigation.

Furthermore, with a plethora of banking institutions each offering varied mortgage packages, pinpointing the right fit for your specific needs can be a challenge in itself. This entire process, from deciphering the legalities to selecting the most suitable bank, can indeed make one feel swamped and uncertain about the path ahead.

Why Choose Us for Your Dubai Mortgage Needs?

  • Expertise: Decades of experience in the Dubai property market.
  • Tailored Solutions: Mortgages customised to your unique needs.
  • Fast Approvals: Speedy processing to get you closer to your dream home.
  • Transparent Process: No hidden fees or surprises.
  • Local Knowledge: In-depth understanding of Dubai’s ever-evolving property landscape.
  • Dedicated Support: A team of mortgage specialists committed to guiding you at every step.
  • Competitive Rates: Access to some of the best mortgage rates in the market.
  • Flexible Terms: Options to suit both short-term and long-term property goals.
  • Trustworthy Partnerships: Collaborations with reputable banks and financial institutions in Dubai.
  • Seamless Documentation: Assistance with all necessary paperwork to ensure a smooth application process.
  • Post-Approval Assistance: Continued support even after your mortgage has been secured.

Our Services

Our clients entrust us with their most significant transactions and disputes due to our expertise in navigating challenges and mitigating risks.

Employed Resident

employed resident


Fixed for 3 years

2.25% + 3M EIBOR with a minimum floor rate of 2.25%
Property Insurance – 0.042% p.a.
Life Insurance – 0.0184% p.m

Employed Non Resident

employed non resident


Fixed for 3 years

1.79% + 3M EIBOR with a minimum floor rate of 1.69%
Property Insurance – 0.04% p.a.
Life Insurance – 0.01167% p.m

Self Employed Resident

self employed resident


Fixed for 3 years

1.79% + 3M EIBOR with a minimum floor rate of 4.29%
Property Insurance – 0.04% p.a.
Life Insurance – 0.0116% p.m

Self Employed Non Resident

self employed non resident


Fixed for 3 years

1.89% + 3M EIBOR with a minimum floor rate of 1.89%
Property Insurance – 0.04% p.a.
Life Insurance – 0.0116% p.m
Al Habtoor tower Interior Render 5

Transform Your Dream into Reality

Discover our unparalleled luxury home building and refurbishment services today and enhance your living standards.

Why Choose AIZ for Real Estate Investments?

Our clients entrust us with their paramount transactions and disagreements. They recognise our prowess in navigating challenges and significantly reducing risks.

Proven Expertise

Years of experience in the Dubai real estate investment sector.

Risk Mitigation

Advanced strategies and procedures to protect your investments

Client-Centred Approach

Custom-tailored solutions crafted to meet every client's unique needs and preferences

Unparalleled Support

A dedicated team is always on hand, ready to provide expert guidance and advice.

Innovative Solutions

harnessing and leveraging the very latest market trends and cutting-edge technologies

Trustworthy Reputation

A legacy of satisfied clients and successful property ventures.

High quality finishings by our designer

Our dedication to perfection is evident in even the minutest details. At Starling, we take pride in presenting top-tier finishes from esteemed Italian designers.

From opulent materials to masterful craftsmanship, our properties epitomise a harmonious blend of elegance and sophistication, resulting in spaces that radiate enduring allure and unmatched style.

Al Habtoor Tower Render 2

Invest in Villa Renovations with AIZ Real Estate Brokerage

Our passive investment program lets you earn significant returns with a 60% share of the ROI, while we take 40%. For projected returns, see the calculator below. Experience the perks of property investment without the complexities of its management.

Our experienced team handles everything from property purchase to tenant management. We ensure your investment thrives and remains well-maintained. Receive regular updates and enjoy our commitment to transparency and ongoing communication.

Please note: Past returns aren’t guarantees for future results; market conditions can affect ROI.

Contact us now to explore the benefits of investing with AIZ Real Estate Brokerage.

Renovation Investments in Dubai: Enhancing Property Value

Dubai’s real estate is synonymous with luxury, and strategic renovations can significantly boost a property’s market appeal and value. Here are some considerations and associated costs when refurbishing in this dynamic emirate:

  1. Strategic Value Addition: Prioritise high-ROI renovations such as kitchen and bathroom makeovers, extensions, and smart home integrations.

  2. Elevated Market Appeal: Modernised properties stand out in Dubai’s competitive market, attracting premium buyers and tenants.

  3. Energy Efficiency: Given Dubai’s climate, energy-efficient upgrades, like advanced cooling systems and thermal insulation, are both value-adding and cost-saving.

  4. Preservation of Property: Regular maintenance and refurbishments combat the wear and tear from the region’s conditions, safeguarding your investment.

Associated Costs:

  • DLD Fee: The Dubai Land Department charges roughly 4% on property transactions.

  • Broker’s Fee: Typically, brokers in Dubai command a 2% fee of the property’s value.

  • Renovation Costs: These are variable, depending on the renovation’s scope.

  • NOC Fee: This No Objection Certificate fee, required by developers or community management, can vary.

Remember to account for these factors in your budget and utilise tools, like our ROI calculator, to gauge the potential returns from your renovation endeavours in Dubai.

Considering a renovation investment in Dubai? Let our experienced team guide you. Share your enquiries and investment goals in the contact form below, and we’ll be in touch promptly.

Related Articles

Leave a Reply

Your email address will not be published.