Who is eligible to apply?›
Eligible UAE nationals, resident expatriates and qualifying non-residents can all apply for a UAE residential mortgage.
What's the age requirement?›
Applicants must be at least 21 years old. Maximum age at loan maturity is capped at 65 for salaried expats, and 70 for UAE nationals and self-employed expats.
What documents do I need?›
It depends on your profile and the lender, but the standard set includes a passport copy, residence visa, Emirates ID, salary certificate and bank statements. Self-employed applicants additionally provide a trade licence, company documents and company bank statements. Property documents are required by every lender.
How does the mortgage process work?›
We've designed a frictionless flow. From application through to final approval and disbursement, our team handles the heavy lifting and shapes the journey around your situation. Reach out through the form above to start.
Do you have a track record with residential mortgages?›
Yes. Marker Finance has built a record of helping UAE buyers secure financing for their homes. Our market knowledge and lender relationships translate into reliable, professional support across every step.
Can non-residents apply?›
Yes, non-residents can apply for UAE residential mortgages. Terms, LTV brackets and required documentation may vary by lender.
What interest rates can I expect?›
Rates depend on market conditions and individual lender offers. UAE banks publish a range of competitive fixed and variable structures, and we'll negotiate the most favourable terms available for your profile.
What's the maximum DBR allowed?›
The UAE Central Bank caps the Debt-Burden Ratio at 50% of monthly income.
What's the maximum loan tenure?›
Up to 25 years, subject to the maximum age cap at maturity (65 for salaried expats, 70 for UAE nationals and self-employed expats).
How is the maximum loan amount determined?›
It depends on lender policy, your financial situation, DBR, property value and applicable LTV. Regulator caps also apply: up to 7x annual income for expats and 8x for UAE nationals.
Can I settle my loan early?›
Yes. Early settlement is allowed, with a fee of 1% of the outstanding amount capped at AED 10,000 per UAE Central Bank rules. Partial settlement options vary by lender policy.
Can I qualify with a less-than-perfect credit score?›
Often yes, although the rates and terms offered may differ. Our advisors regularly help clients across credit profiles structure suitable mortgages and improve their financial standing over time.
Are there factors I should consider before applying?›
Yes. Take stock of your overall financial situation, income stability, the long-term commitment and any inheritance implications. We recommend speaking to a legal advisor where appropriate so you fully understand your contractual rights and responsibilities.
How do I start the application with Marker Finance?›
Send your details through the form above or call our team directly. We'll walk you through every step and answer any questions before formal submission to the bank.
