Secure the most competitive mortgage and financing rates in Dubai with zero arrangement fees and expert advisory from FirstPoint Real Estate.
At FirstPoint Real Estate, we structure financing strategies that align with your investment goals. Our team connects you with the UAE's top lenders, negotiates competitive rates, and ensures a seamless application processall while minimizing costs and maximizing value.
Dubai's mortgage market offers exceptional opportunities, with rental yields of 7-10% and zero real estate tax. Whether you're purchasing a ready property, refinancing an existing asset, or financing a commercial venture, we help you secure the best terms available. Our commitment to zero arrangement fees means you keep more of your capital working for you.
Receive expert advice from our financing specialists and discover tailored lending options that align with your goals.
Our finance and mortgage advisory team adopts a data-driven, personalised approach to identify the right products and institutions for your specific needs.
Whether you are:
We assess your financial profile, compare institutional lending options, and negotiate directly with banks to secure optimal rates and terms.
Our strength lies in transparency and precision.
Through partnerships with the UAE's leading banks and global financial institutions, FirstPoint delivers competitive rates, reduced fees, and faster approvals, saving clients time and capital.
Unlock professional insights on securing the best mortgage and refinancing rates in Dubai's fast-moving market.
Securing a mortgage or financing arrangement in Dubai doesn't need to be complicated.
Our process ensures clarity, speed, and confidence at every step:
We start by understanding your objectives, property type, and financing needs.
Our team analyses your eligibility and matches you with the most suitable lenders.
We guide you through documentation and ensure timely pre-approval or final approval.
Once approved, funds are released with minimal fees and complete transparency.
This streamlined system allows our clients to access lending efficiently while maintaining compliance with the UAE's central banking standards.
FirstPoint Real Estate provides a comprehensive suite of financing options tailored for both retail and institutional investors:
Each product is vetted for regulatory compliance and designed to help investors capitalise on Dubai's consistent annual capital appreciation of around 15 percent and average ROI of 15 to 25 percent on off-plan projects
Estimate your monthly payments, interest, and tenure before applying:
ISO 9001 | RERA LICENSED | PARTNERED WITH TOP UAE BANKS.
LTV Ratios:
| Borrower Type | LTV Ratio |
|---|---|
| UAE Residents | Up to 50% |
| Non-Residents | Up to 50% (select banks only) |
Property must be from a bank-approved developer such as
Emaar, Nakheel, DAMAC, or Sobha
Valuation and NOC required from the developer
Payment released directly to the developer in tranches
Mortgage eligibility in Dubai differs for residents and international investors. The following comparison outlines the core differences:
| Criteria | UAE Residents | Non-Residents |
|---|---|---|
| Loan to Value (LTV) | Up to 80% (for 1st property) | Up to 50% (depending on the bank) |
| Employment Type | Salaried or self-employed with 6 months in UAE | Overseas salaried/business owner (self-employed) |
| Documentation | Emirates ID/Visa, bank statements | Passport, international income statements |
| Loan Tenure | Up to 25 years | Up to 25 years |
| Interest Type | Fixed and floating rates available | Mostly fixed rates |
| Approval Rate | 7-10 working days | 10-15 working days |
Let our expert advisors simplify your financing journey.
Whether you are purchasing a ready property, an off-plan unit, or applying for a post-handover mortgage, we help you secure the most competitive rates in the UAE.
Contact us:
Explore mortgage tools, funding options, and repayment strategies tailored to your goals.
Get monthly data-driven insights:
| Metric | Major Insights |
|---|---|
| Average Overall ROI | 7-10% |
| Annual Capital Appreciation | 10% |
| ROI in Off-Plan Projects | 15-20% |
| Property Tax | 0% |
| Mortgage Tenure Range | Up to 25 years |
| Typical LTV for Residents | 75-80% |
| Typical LTV for Non-Residents | 50-60% |
| Processing / Arrangement Fees | Often 1% through FirstPoint |
