Smarter UAE Mortgages,
Crystal-Clear Rates.
Compare tailored Conventional & Islamic home finance across 20+ leading UAE banks in minutes. Whether you are a UAE Resident Expat, Emirati National, or International Non-Resident investor, Get Mortgage Consultancy LLC guides you from pre-approval to key handover with AED 0 broker fees on standard residential loans.
Live UAE EIBOR Benchmark Rates & Real Estate Financial News
Track daily Central Bank of the UAE (CBUAE) 1M, 3M, 6M & 12M EIBOR fixings, simulate variable revert margins, and read or publish UAE mortgage & DLD regulatory news.
About Get Mortgage Consultancy LLC
Premier Dubai-based mortgage brokerage & home financing advisory (getmortgage.me) — empowering buyers across the UAE.
Institutional UAE Mortgage Advisory Built Around Your Financial Goals
Get Mortgage Consultancy LLC (getmortgage.me) is a specialized UAE mortgage consultancy headquartered in Dubai. Inspired by modern digital property ecosystems and backed by deep banking relationships, we act as your single point of access to more than 20 Conventional and Islamic financial institutions across Dubai, Abu Dhabi, and the wider Emirates.
Instead of applying to individual banks one by one and risking multiple AECB credit inquiries, our advisory desk analyzes your income profile, Debt Burden Ratio (DBR), and property target to negotiate preferential interest/profit rates, valuation fee waivers, and rapid 48-to-72-hour pre-approvals.
UAE Resident & National Home Loans
Up to 80% LTV for UAE Expats and 85% LTV for Emirati Nationals on ready villas, townhouses, and apartments across all freehold & leasehold zones.
Non-Resident Overseas Mortgages
Up to 65% LTV for international buyers using foreign salaried or business income—no UAE Residency Visa or Emirates ID required to apply.
Mortgage Buyouts & Cash Equity Release
Switch from high EIBOR revert rates to a fresh 3-year fixed rate from 3.75% p.a., or release up to 80% equity on paid-off properties for new investments.
Islamic Finance & Golden Visa NOC
Full access to Sharia-compliant Ijara & Murabaha structures, commercial office/warehouse financing, and 10-year Golden Visa bank NOC processing.
Abdulmoin Shaikh
Founder & Managing Director
Get Mortgage Consultancy LLC (getmortgage.me)
Dedicated to bringing institutional transparency, speed, and bespoke structuring to UAE residential, commercial, and non-resident property financing.
Built on Honesty, Precision & Bank-Side Expertise
"Securing a mortgage in the UAE shouldn't feel like navigating a maze of hidden EIBOR margins and fine print. At Get Mortgage Consultancy LLC, we combine modern digital speed with personal, senior-level structuring—so every client knows their exact borrowing power, upfront DLD cash requirement, and lowest possible bank rate from day one."
Side-by-side comparison of Emirates NBD, FAB, ADCB, Mashreq, DIB, ADIB, HSBC, and Standard Chartered.
Tailored underwriting for self-employed founders, multi-currency overseas income, equity release, and buyouts.
From 48-hour pre-approval and property valuation oversight to FOL issuance and Dubai Land Department transfer.
Interactive UAE Mortgage & DBR Calculator
Real-time Loan-to-Value (LTV) ceilings, upfront Dubai Land Department (DLD) cash breakdown, and 50% Debt Burden Ratio check.
Compare Live UAE Mortgage Offers
Filter between Conventional and Sharia-compliant Islamic home loans, fixed terms, and non-resident packages.
UAE Central Bank Mortgage Rules (2026)
Every licensed bank and Islamic financial institution in the UAE operates under the Central Bank of the UAE (CBUAE) Regulations Regarding Mortgage Loans (Circular No. 31/2013). Here are the statutory ceilings and 2026 market rules.
Statutory Maximum LTV & Down Payment Ceilings
Applied to the lower of the agreed purchase price or independent bank valuation
| Borrower Profile | Property Category | Property Value | Max LTV | Min Deposit |
|---|---|---|---|---|
| UAE National | First Home (Owner-Occupied) | ≤ AED 5,000,000 | 85% | 15% |
| UAE National | First Home (Owner-Occupied) | > AED 5,000,000 | 75% | 25% |
| UAE National | Second / Investment Home | Any Value | 65% | 35% |
| UAE Resident Expat | First Home (Owner-Occupied) | ≤ AED 5,000,000 | 80% | 20% |
| UAE Resident Expat | First Home (Owner-Occupied) | > AED 5,000,000 | 70% | 30% |
| UAE Resident Expat | Second / Investment Home | Any Value | 60% | 40% |
| Non-Resident Buyer | Ready Property (Bank Policy) | Varies by Lender | 50% – 65% | 35% – 50% |
| All Buyers | Off-Plan Property | Any Value | 50% | 50% |
1. 50% Debt Burden Ratio (DBR) & Income Cap
Article 3Total monthly debt repayments—including your new mortgage, personal/auto loans, and 5% of active credit card limits—cannot exceed 50% of gross monthly income. Total borrowing is capped at 7× annual income for expats (8× for UAE nationals).
2. Unfinanced DLD & Closing Costs (Feb 2025 Rule)
Cash RequirementSince February 1, 2025, UAE banks no longer finance the 4% Dubai Land Department (DLD) transfer fee or real estate brokerage commission (2% + VAT) into the mortgage. Buyers should budget ~6.5%–7% of the property value in cash above their deposit.
3. UAE 10-Year Golden Visa on Mortgaged Homes
2026 AdvantageProperties valued at AED 2,000,000 or above qualify for the 10-year UAE Golden Visa even when mortgaged through a licensed UAE bank. Get Mortgage Consultancy LLC coordinates your bank No-Objection Certificate (NOC).
4. Tenure, Age & Early Settlement Caps
Borrower ProtectionMaximum mortgage tenure is 25 years, with maturity capped at age 65 for salaried employees and age 70 for self-employed borrowers or UAE nationals. CBUAE caps early settlement fees at 1% of outstanding balance (max AED 10,000).
Ask Our AI Mortgage Concierge Anything.
Trained on Central Bank of the UAE (CBUAE) rulebooks, live EIBOR benchmarks, 2026 bank rate sheets, DLD closing fee structures, and Golden Visa rules.
UAE Market News & Live EIBOR Benchmark Desk
Stay ahead of Central Bank of the UAE (CBUAE) monetary policy, daily Emirates Interbank Offered Rate (EIBOR) fixings, Dubai Land Department (DLD) regulatory updates, and macroeconomic trends shaping UAE mortgages and real estate.
Emirates Interbank Offered Rate (EIBOR) Fixings
Published daily by the Central Bank of the UAE (CBUAE). Variable & hybrid UAE mortgages typically link to the 3-Month EIBOR plus a fixed bank margin.
UAE 3-Month EIBOR Trajectory & Tenor Curve
Historical movement & current 2026 tenor structure (linked to USD/AED peg & US Fed policy)
Most UAE mortgages begin with a 3-year or 5-year fixed rate (3.75%–3.99%) and then transition to a hybrid revert rate calculated as 3-Month EIBOR + Bank Margin (typically 1.79%–2.25%).
With 3M EIBOR near 4.00%, a variable rate with a 1.85% margin equals 5.85% p.a. Locking a 3.75% fixed rate saves ~AED 2,400/month on a AED 2M loan!
Simulate Your EIBOR Revert Payment
Latest News Affecting UAE Mortgages & Property
Curated regulatory updates, Central Bank announcements, and DLD market shifts—plus add your own custom market commentary.
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