Services
Mortgage for Ready Property
Financing for completed, title-deeded property — the most straightforward mortgage scenario, with the widest choice of banks and the best available rates.
| Financing (LTV) | up to 80% (up to AED 5M) · from 70% (above AED 5M) — residents |
| Rate | from 3.75% p.a. |
| Term | up to 25 years |
| Timeline | 3–6 weeks from application to transfer |
Documents
- Passport
- Visa + Emirates ID, for residents
- Salary certificate / employment contract, for salaried applicants
- 3–6 months personal bank statements (bank-dependent)
- Payslips / WPS evidence, where required
- Company licence, corporate statements, VAT/CT/audit documents, for business-owner applicants
- Property documents: booking form / SPA / Oqood / title deed / MOU / statement of account, depending on the case
- Existing liabilities: credit cards, loans
We reply within 15 minutes during working hours
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Frequently asked questions
Yes, since there's no construction-stage risk for the bank to assess.
Yes, an independent bank valuation (AED 2,500–3,500) is standard before final approval.
DLD transfer fee (4% of value), mortgage registration fee (0.25% of loan), valuation and processing fees.
Yes, a lower LTV typically qualifies for a better rate tier.
Yes, refinancing to a lower rate or better terms is common once market conditions or your profile improve.
Talk to us about your situation
We reply within 15 minutes during working hours
Tell us your goal, your nationality or residency status and your rough timeline — the more specific the first message, the faster we can help.
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