Let's get you the best deal on your mortgage

DirectSB offers financing for people who want to buy a new property, but also for people who already own a property and are exploring refinancing. A new purchase may be your first home or an investment property. Refinancing can mean freeing up funds for different purposes, or switching an existing mortgage to a lower interest rate. We have market-leading solutions for both cases.

DirectSB can offer loan options to both UAE residents and international buyers. Loan-to-value limits vary depending on your status and the interest rates banks offer. Banks consider your source of income — if an applicant has an investor visa but their income is from abroad, they are considered a non-resident for lending purposes.

Lenders in the UAE offer financing to most nationalities, but this can change depending on global factors. Knowing your nationality lets DirectSB make sure your application goes to a lender who accepts your status. UAE applicants may also benefit from higher lending limits, according to the UAE Central Bank's criteria.

If you already have a mortgage in the UAE, your loan-to-value (LTV) may be limited to 60% for expats and 65% for Emirati nationals. If you already have a loan, we may be able to transfer it to the same lender as your new application to obtain favourable terms for both loans.

With a joint mortgage, applicants can combine their incomes and increase the loan amount they can borrow. They will be recorded as joint borrowers on the mortgage and joint owners on the title deed. Banks in the UAE lend to married couples and some combinations of family members. Friends and distant relatives are not normally offered a joint mortgage.

Both salaried employees and self-employed business owners can choose from a variety of products. If you are listed on the trade license, MOA, or share certificate of the firm you work for, banks will view you as self-employed for loan reasons — even if you pay yourself a salary. If your company is older than two years and you can show audited financials, more lenders will be eager to lend to you.

Banks normally lend up to seven multiples of the applicant's yearly wage as the maximum loan, and they require a minimum income of AED 10,000 for at least one applicant. Example: a salary of AED 20,000/month equals AED 240,000/year — seven times that is AED 1,680,000. For a joint application you can combine two salaries.

In the UAE you must be at least 21 to obtain a mortgage. The loan must be repaid in full before the applicant turns 65 for salaried applicants and 70 for company owners, corresponding to the retirement ages set by the UAE Central Bank.

DirectSB has a large network of trusted real estate partners we can introduce you to. If you know which location you wish to buy in, we can pair you with an expert in that area to assist with your property search while we process your mortgage application.

As part of our service we offer access to a bank-grade valuation module which gives a full valuation report of your chosen property before you commit to the purchase. This is vital to understand the true market value before signing the Form F and paying the security deposit.

The minimum income a bank needs is AED 10,000 for at least one applicant, and they typically lend up to 7 multiples of the annual salary as a maximum loan. For a joint application you can combine two salaries, or some banks will allow one salaried applicant and one self-employed.

If you would like the security of set payments for a period of time — to help with budgeting and to shield you from interest rate rises — a fixed deal makes sense. Banks typically fix the rate for 1–5 years. If you are looking for the lowest possible interest rate and fluctuating payments are not a concern, consider a variable rate.

With Islamic financing, the bank buys the property for you and then rents it back until the loan is fully repaid, so you do not pay interest — the bank's profit is built into the agreed leaseback price. Conventional loans follow the standard interest model. If unsure, choose "Best offer" and we'll compare everything for you.

The maximum term of a loan is 25 years or until retirement age, whichever comes first. For salaried applicants the loan must end before age 65; for business owners, age 70.

Buying a property is not cheap, and the costs add up quickly. The good news: some banks provide additional funds to help cover the fees associated with buying — some offer an additional loan equal to 4.8% of the property's value.