Azora Property connects you with the right mortgage in Dubai - from pre-approval to closing, backed by 15 years of UAE market expertise and access to every major bank.
Use our advanced interactive mortgage calculator to plan your next UAE property investment with full confidence.
Estimate your monthly property payments under UAE regulations
*Strict UAE Central Bank cap: 25 Years
Est. Monthly Payment
Total Repayment
AED 0
Total Interest Paid
AED 0
Principal Loan Amount
AED 800,000
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If you live and work in the UAE, you qualify for resident mortgage terms - the highest LTV ratios available to non-nationals, with access to the full range of bank products and fixed or variable rate options.
Overseas investors purchasing Dubai property without UAE residency still have access to bank financing, with a higher equity requirement. Azora specialises in structuring these applications correctly for the first time.
From your first consultation to mortgage approval and property completion, our team manages the entire process from start to finish, helping you navigate the UAE mortgage process with full confidence.
We review your finances, assess your profile, and find suitable mortgages before securing your official bank pre-approval.
Once you choose a property, we coordinate your mortgage application and valuation to closely match lender requirements.
We guide you through the final offer, documents, mortgage registration, and transfer, from approval to full ownership.
Get tailored mortgage and financial guidance for your UAE property purchase.
2 reviews
Great experience with Azora property! A special shoutout to Mr.Abhishek for helping me make the right choice on my property, and to Mr.Junaid for sorting out the bank account setup so quickly. They made a complicated process feel really easy
1 review
If you need someone who actually understands law, taxation, accounting, and the Dubai new-build market Jonathan and Jimmy are the people to call. I moved here two years ago, then shifted my whole business over, and they were there for every step of the way.
1 review • 1 photo
Had a great run with Azora, thanks largely to our agent Robin. He's sharp, no-nonsense, and on top of everything. Since we were new to this market, having someone walk us through not just the property search but also the bank account setup made the process seamless.
2 reviews • 1 photo
As someone buying property in Dubai for the very first time, I came into this with plenty of nerves. But Gal’s honesty and openness throughout the whole process gave me a really clear understanding of the market and what to expect from developers here. I ended up with a great 1 bdr apartment, thank you for your guidance, good job!
6 reviews
We wish to express our gratitude to Ms. Lenka for the high level of professionalism she brought to every stage of our property purchase. From her thorough understanding of our needs to the expert guidance she offered during negotiations, we felt completely supported.
2 reviews
I recently purchased a property through Azora Property, and I couldn't be happier with the experience. Buying a property can be overwhelming, but the team made the entire process smooth and stress-free from start to finish. They were always available to answer my questions, kept me updated throughout the purchase process, and genuinely cared about helping me make the right decision. What really stood out was their support after the purchase. They didn't just disappear once the deal was done they continued to assist with all the post-purchase requirements and guided me through the handover process without any hassle. It's rare to find a team that is this professional, responsive, and committed to their clients. I'm very grateful for all their help and would highly recommend Azora Property to anyone looking to buy a property with confidence.
2 reviews
Excellent experience with Azora Property. Gal was extremely helpful, attentive, and responsive to all of our questions from start to finish. If you are looking for a reliable and dedicated real estate agent, azora property is the best!
12 reviews • 2 photos
Incredible experience with Azora Property. Their corporate banking support is next level. They took over the entire company bank account opening process and dealt with the banks directly, saving me so much time and back-and-forth. If you want a smooth, stress-free corporate bank setup in Dubai, these are definitely your guys.
Local Guide • 25 reviews • 3 photos
Buying two units in Dubai in 2025 was a big decision for me, and I'm really glad I chose to work with Azora Property. Guy guided me from the very beginning, and I truly appreciated the way he handled the process to make it stress-free.
Local Guide • 14 reviews • 3 photos
I had a great experience working with Azora Property, team was highly professional, knowledgeable, and responsive throughout the entire process. They understood my requirements perfectly and helped me find the right property with complete ease and transparency.
1 review
I honestly had such a smooth experience with Azora Property, especially thanks to Ms Monika. She was extremely helpful, patient, and guided us through every single step of the way.
Mortgage Advisory Services
Both UAE residents and non-residents can access mortgage financing in Dubai. UAE nationals and resident expats qualify for the highest LTV ratios - up to 85% and 80% respectively for a first property under AED 5M. Non-resident international buyers can typically borrow 50-60% of the property value. Self-employed applicants, salaried professionals, and corporate buyers each have tailored routes available. Azora Property advises all buyer types and will confirm your specific eligibility in the initial consultation.
Yes. A Dubai mortgage for non-residents is available through selected UAE banks and lenders, subject to eligibility, income, nationality, financial profile, and property requirements. Our mortgage advisors can assess your profile, compare suitable financing options, and guide you through the application process from pre-approval to completion.
Before you make an offer on any property. A mortgage pre-approval in Dubai tells you exactly how much a bank will lend you, which protects your negotiating position and gives sellers and agents confidence that your offer is credible.
Standard UAE mortgage applications require the following documents: valid passport and visa; Emirates ID (residents only); 3-6 months of bank statements; recent salary certificate (employed) or audited accounts (self-employed); details of any existing liabilities; and proof of overseas income and address (non-residents only). Azora provides a complete document checklist tailored to your employment type and residency status at the start of your engagement - so there are no surprises midway through the process.
The general steps to secure a mortgage in Dubai include: check your eligibility based on income, nationality, and financial profile; get mortgage pre-approval to understand your borrowing capacity; choose your property based on your approved budget; complete the property valuation required by the lender; and secure final approval and complete the mortgage and property registration process.
