Neon Mortgage is a Dubai mortgage broker with 15+ years of UAE mortgage experience. We compare offers across major UAE banks, match them to your profile, and manage everything from application to property transfer.
Neon Mortgage is a mortgage broker in Dubai that compares home loan offers from major UAE banks, matches them to your income and residency, and handles the application, bank queries and property transfer for residents, UAE nationals and non-resident investors.
Last updated: 15 October 2026
| Neon Mortgage at a glance | |
|---|---|
| What we do | Mortgage brokerage in Dubai: compare, apply, process and transfer |
| Home loans we arrange | New purchase, refinance / buyout, equity release, non-resident, handover payment, off-plan, commercial, plot & construction |
| Who we help | UAE residents, UAE nationals, non-residents, self-employed owners, first-time buyers, investors |
| Banks we work with | Major UAE banks, including Emirates NBD, Mashreq, HSBC, RAKBANK and Emirates Islamic |
| Experience | 15+ years in UAE mortgage advisory; 10,000+ transactions |
| Office | Office 403, Suntech Tower, Dubai Silicon Oasis, Dubai |
| Contact | +971 58 594 6007 · info@neonmortgage.com |
| First step | Free eligibility check |
A mortgage broker in Dubai assesses your finances, compares home loan offers from several UAE banks, submits your application and manages the process through approval, valuation, disbursement and property transfer, so you deal with one expert instead of many banks.
Every bank in the UAE has its own appetite. One may favour salaried professionals in certain companies, another may be more flexible with self-employed owners or overseas income, and a third may price better for larger loans. Going door to door means guessing which one fits you, and every rejected application can leave a trace on your credit file.
A broker removes the guesswork. At Neon Mortgage we look at your income, employment type, liabilities, nationality, residency and the property you want, then approach the lenders most likely to say yes at the best available terms.
| Going to one bank | Using Neon Mortgage | |
|---|---|---|
| Offers seen | That bank's products only | Multiple UAE banks compared |
| Fit to your profile | Trial and error | Matched before you apply |
| Paperwork | You chase every request | We manage bank queries |
| Negotiation | You on your own | Backed by bank relationships |
| After approval | You coordinate the transfer | Support through to transfer |
Built by people who know how UAE banks think, because we have worked inside the process for years.
We understand bank policies, credit criteria and documentation in detail, so your application is built the way lenders want to see it.
We assess your income, employment type and financial profile first, then shortlist the mortgage products where you are strongest.
Complete files, clear communication and trusted relationships across major UAE banks help move your case along.
No jargon and no surprises. You see the numbers, the trade-offs and the total cost before you commit to anything.
Whether you are buying, switching, investing or building, there is a structure that fits. Pick the one closest to your situation.
Finance a ready property in Dubai with fixed or variable options compared across banks.
Learn more →Move your current mortgage to a bank offering a lower rate or better terms.
Learn more →Unlock the equity you have built in your Dubai property for your next goal.
Learn more →Invest in Dubai from abroad with structures designed for overseas buyers.
Learn more →Finance the final payment when your off-plan property is ready for handover.
Learn more →Understand what lenders allow on properties still under construction.
Learn more →Finance offices, shops and other commercial property with the right lender.
Learn more →Fund a land purchase and the build of your own home.
Learn more →Salaried professionals get competitive rates, flexible repayment plans and guidance on every step towards the keys.
Access offers designed for nationals, including higher loan-to-value ratios and solutions built for sustainable ownership.
Buy into Dubai's market from anywhere. We find banks that lend to overseas buyers and guide you through the extra documentation.
Business income is assessed differently by every bank. We point your application to lenders that read it favourably.
From credit report to title deed, we explain each stage in plain language and give you the full cost picture early.
Structure finance across properties, release equity, or switch banks when a better rate is on the table.
Our process takes the weight off you from the first conversation to the day the property is in your name.
We review your income, liabilities, residency and property plans, shortlist suitable UAE mortgage products and show you where you stand.
We prepare and submit your file, handle paperwork and answer bank queries to secure approval from the right lender.
From valuation and final approval to agreement signing, account opening and disbursement, we manage each step.
We stay with you until the transfer is complete, keeping the bank, agent and registration steps moving together.
The UAE Central Bank sets the maximum loan-to-value (LTV) that banks can offer. Your broker's job is to find the bank that actually lends up to that limit for your profile.
| Buyer and property | Typical maximum loan | Minimum deposit |
|---|---|---|
| Expat resident, first home, up to AED 5M | Up to 80% | 20% |
| Expat resident, first home, above AED 5M | Up to 70% | 30% |
| Expat resident, second or later property | Up to 60% | 40% |
| Off-plan property | Typically up to 50% | 50% |
| UAE national, first home | Higher than expats (we confirm your exact limit) | Lower than expats |
| Non-resident investor | Lower than residents; varies by bank | Larger deposit required |
Figures reflect general UAE Central Bank limits at the time of writing. Individual banks can apply stricter criteria, and rules can change. Confirm your own limit with an adviser before making an offer on a property.
Exact requirements differ by bank. We give you the precise checklist for your chosen lender.
The deposit is only part of the cash you need on transfer day. Add the government and bank charges below so there are no surprises, and compare them across offers, not just the headline rate.
Example, AED 2,000,000 apartment: a 20% deposit is AED 400,000, and the loan is AED 1,600,000. Fees on top (DLD 4%, mortgage registration, valuation, bank processing and 2% agent commission) typically add up to roughly AED 140,000 to 150,000.
We calculate your exact numbers for the bank and property you choose, before you commit.
Use the full calculator| Cost | Typical amount |
|---|---|
| Down payment (expat, first home up to AED 5M) | 20% minimum |
| Dubai Land Department transfer fee | 4% of price |
| Mortgage registration (DLD) | 0.25% of loan + AED 290 |
| Trustee and title deed fees | Fixed fees; vary by property |
| Property valuation | About AED 3,000 |
| Bank processing fee | Up to about 1% of loan |
| Agent commission (if applicable) | Commonly 2% of price |
| Life and property insurance | Varies by bank and profile |
Your rate is the biggest driver of what the loan costs you each month. Here is how the two main structures work in the UAE.
The rate is locked for an initial period, commonly one to five years, giving you a predictable payment. When the period ends, the loan normally reverts to a variable rate of EIBOR plus the bank’s margin, so check what that reversion rate is before you sign.
The rate is EIBOR plus a fixed bank margin and moves whenever EIBOR resets. It can cost less when rates are falling and more when they rise, so it suits borrowers with room in their budget.
Rates are moving. The Central Bank of the UAE raised its Base Rate to 3.9% effective 17 September 2026, and 3-month EIBOR was around 4.2% in early October. Banks are repricing, so a rate quoted a few weeks ago may no longer be on offer. Ask us for live bank quotes rather than relying on headline figures.
Lender appetite, valuations and property types differ from one community to the next. Choose your area for tailored mortgage guidance.
Waterfront towers and apartments close to the beach, popular with expat professionals and investors. Most purchases here are apartments, so the bank's valuation of your specific tower and unit matters.
Premium apartments around Burj Khalifa and Dubai Mall. Ticket sizes are higher here, so the AED 5 million threshold in the Central Bank rules often comes into play.
Beachfront villas and apartments, frequently at higher price points and with strong interest from overseas buyers. Lender appetite for larger loans varies, which is where comparing banks pays off.
Canal-side residential towers beside the city's business core, with a mix of resale and off-plan stock. Popular with investors and owner-occupiers who want to be central.
One of Dubai's more accessible freehold communities, with apartments and townhouses at lower entry prices than the waterfront areas. A common starting point for first-time buyers.
A master-planned community of villas, townhouses and apartments, aimed at families. Larger family homes mean larger loans, so affordability and the deposit need careful planning.
Established villa communities with steady family demand and mature neighbourhoods. Villa valuations can vary by phase, plot and condition.
Our home community and a practical, well-connected area with apartments aimed at residents and investors. Our office is at Suntech Tower, so you can visit us in person.
Buying elsewhere in Dubai or the UAE? Talk to our team and we will advise on your community.
A mortgage broker in Dubai reviews your income, residency and property, compares offers from multiple UAE banks, submits your application, manages bank queries and coordinates the process until the mortgage is disbursed and the property is transferred. You get access to several lenders through one conversation instead of approaching banks one by one.
A bank can only offer its own products and policies. A broker compares several banks against your profile, which helps you find the lender most likely to approve you at a competitive rate and saves you from multiple rejected or duplicated applications, each of which can leave an enquiry on your credit report.
Fee arrangements differ between brokers, so always ask for a written explanation of any fees before you proceed. Neon Mortgage will explain the costs involved at the start of your journey, before you commit to an application.
Look for a broker that compares several banks rather than pushing one, explains any fees in writing before you proceed, understands your profile (salaried, self-employed or non-resident), manages the process through to property transfer, and shows a verifiable track record. Check that the firm is properly registered to operate in the UAE and ask for the total cost of each option, not just the headline rate. Neon Mortgage is built around these principles.
Under UAE Central Bank rules, expat residents buying their first completed home worth up to AED 5 million can typically borrow up to 80% of the value, which means a minimum 20% deposit. Above AED 5 million the maximum loan is typically 70%. Second properties and off-plan purchases have lower limits, and non-residents generally need a larger deposit. Individual banks may apply stricter limits.
Yes. Resident expats with a valid UAE visa can apply for a home loan, and several banks also lend to non-residents buying Dubai property from overseas, usually with a lower loan-to-value and additional documentation. A broker can identify which banks accept your nationality, income source and country of residence.
Once your documents are complete, pre-approval commonly takes around one week. Final approval, which includes the bank's property valuation, and the transfer at the Dubai Land Department usually take several more weeks, depending on the bank, the property and how quickly all parties respond.
Besides the deposit, budget for the 4% Dubai Land Department transfer fee, the mortgage registration fee of 0.25% of the loan plus AED 290, trustee and title deed fees, a property valuation fee (around AED 3,000 is common), a bank processing fee that can be up to 1% of the loan, and agent commission if you use an agent (commonly 2%).
Yes. Many UAE banks lend to self-employed professionals and business owners. They usually ask for a valid trade licence, business and personal bank statements, and financial statements, and they review your credit history. Lender appetite varies widely, which is where a broker's bank-by-bank knowledge helps.
Both exist. Most fixed-rate products in Dubai are fixed for an initial period of one to five years and then revert to a variable rate based on EIBOR plus the bank's margin. Variable rates move with EIBOR from day one. Which is better depends on your budget, how long you plan to keep the loan and your view on rates.
Yes. A mortgage buyout lets you move your loan to another bank for a better rate or terms, and an equity release lets you borrow against equity in a property you already own. Early settlement fees, new valuation and registration costs should be weighed against the saving. A broker can run that comparison for you.
We advise buyers across Dubai's freehold communities, including Dubai Marina, Downtown Dubai, Palm Jumeirah, Business Bay, Jumeirah Village Circle, Dubai Hills Estate, Arabian Ranches and Dubai Silicon Oasis, where our office is based. We also help buyers in other parts of the UAE on request.
More answers on our FAQs page and in our mortgage blog.
Tell us a little about your plans and a Neon Mortgage adviser will come back to you with honest next steps and the options that fit your profile.
Neon Mortgage
Office 403, Suntech Tower, Dubai Silicon Oasis, Dubai, UAE
+971 58 594 6007 · info@neonmortgage.com
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Information on this page is general guidance, not financial advice. Rates, loan-to-value limits, fees and eligibility depend on the bank, your profile and current UAE regulations, and may change without notice. All applications are subject to bank approval and terms and conditions.
