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The Dubai South Specialists
Peaches Properties · Mortgage Services

The right mortgage.
At the right rate.

From pre-approval to keys in hand, we shop your file across the UAE’s leading banks and handle every step — so you borrow well and move fast.

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80%
Max financing
3.75%
Rates from
25 yrs
Longest term
48h
Pre-approval
Plan it

What would it cost each month?

Property valueAED 2,000,000
Down payment20% · AED 400,000
Loan period25 years
Interest rate3.99%
Estimated monthly payment
AED 8,437
Principal AED 1,600,000
Interest AED 930,967
Down paymentAED 400,000
Upfront cash · incl. 4% DLDAED 480,000
Total payableAED 2,930,967
Get pre-approved
Estimates use standard amortisation and are for guidance only. Best fixed rates from 3.75% as of mid-2026; your offer depends on salary transfer, loan-to-value and bank campaigns. Upfront figure adds the 4% DLD transfer fee to your down payment; bank, valuation and insurance fees apply separately.
The rules at a glance

Down payments, by the book.

Minimum deposits are set by the UAE Central Bank and depend on who you are and what you are buying. We structure your file to the best bracket available.

Check my numbers →
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First home under AED 5M. 20% down for expat residents, 15% for UAE nationals — finance up to 80%.
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First home above AED 5M. 30% down for expat residents, 25% for UAE nationals.
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Second or investment property. 40% down for expat residents, 35% for UAE nationals.
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Off-plan purchases. 50% down with bank finance — or use the developer’s payment plan instead.
Non-residents can also borrow — typically 35 to 40% down, depending on the bank. Terms run up to 25 years.
Why Peaches Properties

We negotiate.
You move in.

The bank you walk into is rarely the bank with your best rate. We put your file in front of all of them — and manage the process to handover day.

Every bank, one application
We shop your file across the UAE’s leading lenders and bring back the sharpest offers.
Pre-approval in 48 hours
Know your exact budget before you fall for a home — typically valid for 60 days.
Paperwork, handled
Salary letters, valuation, insurance, transfer day at the DLD — our team runs it all.
Mortgage advisory arranged with our partner specialists. Bank criteria and timelines vary by profile.
The road home

From application to keys.

A mortgage has a rhythm. Here is ours — and where we take the weight off.

Start my pre-approval →
Today
Documents in
Passport, salary proof, statements — WhatsApp them over. We package your file the way banks like to read it.
48 hours
Pre-approved
Your budget locked with the sharpest offer on the market, typically valid for 60 days.
Week 1–2
Valuation and final offer
The bank values your chosen home and issues the offer letter — we negotiate the fine print.
Transfer day
Keys in hand
Settlement at the DLD trustee office, beside you until the title deed prints. Welcome home.
Questions

Asked every day.

Can non-residents get a UAE mortgage?

Yes — several banks lend to non-residents, typically at 35 to 40% down and slightly higher rates. We match you to the lenders who like your profile.

How much can I borrow?

Banks cap your total monthly repayments at 50% of income, and most lend up to around 7 years of annual salary. Pre-approval turns that into an exact number — in about 48 hours.

Do I have to transfer my salary?

No. Plenty of banks lend without a salary transfer — though transferring can trim roughly 0.25 to 0.50% off your rate. We price both options for you.

Fixed or variable rate?

Most buyers fix for 1 to 5 years, then revert to an EIBOR-linked rate. We model both against how long you plan to hold the property before you choose.

Can I finance an off-plan purchase?

Bank finance covers up to 50% on off-plan — but many developers offer payment plans that need no bank at all. We compare both routes and often blend them: developer plan now, mortgage at handover.

What upfront costs should I budget?

Plan for roughly 6 to 8% on top of the price: the 4% DLD transfer fee, agency and bank arrangement fees, valuation and insurance. The calculator above shows your down payment plus DLD at a glance.

Worth knowing
Buying at AED 2 million or more? Your purchase can come with a 10-year Golden Visa — done in 24 hours.
Peaches Properties · Mortgage Services

Let’s find your rate.

Tell us what you are buying — or what you earn — and our mortgage team comes back within two days with real numbers from real banks.

Peaches Properties LLC · Specialist Property Advisory for Dubai South · Rates and approvals are set by the banks under UAE Central Bank regulation; figures on this page are indicative as of August 2026.
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