Dubai Mortgage Basics: Down Payment, Fees, and Approval Timeline

Mortgages can be a smart way to buy in Dubai, but it’s important to plan for the full cash requirement—not just the down payment.

What you typically need to budget

• Down payment (varies by buyer profile and property).

• DLD transfer and registration fees.

• Bank arrangement fees and valuation.

Typical timeline

1. Pre-approval: confirm budget range.

2. Property selection + valuation.

3. Final offer + bank approval + transfer.

For a smoother process, align your mortgage pre-approval with the areas and property types you’re targeting.

If you’d like, share your budget and residency status and we’ll outline a realistic cash breakdown and timeline.